Discover IT and Amex EveryDay Approval

[Anonymous]

I was just approved for an Amex EveryDay card with a $5000 starting limit and on Thursday I was approved for a Discover IT card with a $6500 starting limit. Just crossed two cards off my wishlist! 

[kilroy8]

Two great cards, and nice SL's. Congrats!

[CreditCuriosity]

Congrats.. Care to share your stats with others to make the post more meaningful and helpful such as scores, AAoA, baddies if any, etc.  Thanks!

[Anonymous]

Congrats on both approvals and very nice SL

[Anonymous]

My bad, I'm new to the forums. 

EX: 662 - 3 inquiries 

EQ: 655 - 2 inquiries

TU: 649 - 2 inquiries

Utilization: 64% - My wife lost her job so we had to use our CCs more than we wanted to. Currently working on bringing this down.

Baddies: BK - Falls off in September of this year.

AAoA: 6 years 2 months

Current Cards:

Discover IT - $6500

Amex EveryDay - $5000

Capital One Platinum - $2250

CapitalOne Quicksilver - $6000

[CreditCuriosity]

---

@Anonymous wrote:

My bad, I'm new to the forums. 

EX: 662 - 3 inquiries 

EQ: 655 - 2 inquiries

TU: 649 - 2 inquiries

Utilization: 64% - My wife lost her job so we had to use our CCs more than we wanted to. Currently working on bringing this down.

Baddies: BK - Falls off in September of this year.

AAoA: 6 years 2 months

Current Cards:

Discover IT - $6500

Amex EveryDay - $5000

Capital One Platinum - $2250

CapitalOne Quicksilver - $6000

---

Thanks!

[AverageJoesCredit]

Wow, very good sls on those scores. Enjoy 2 cards that will grow nicely with you. Welcome to the Forum ,FICO not LA

[Anonymous]

@Trudint

Major Congrats on your new Discover It and Amex ED approvals and SLs!!!

FYI in case you're interested: You might want to give serious consideration

to getting an Early Exclusion (EE) for your bankruptcy. If you do a quick search

in the forum, you'll find out that TransUnion will EE 6 months early, Experian 3

months early, and Equifax 1 month early. Since your BK is due to fall off in Sept,

that means you have an excellent shot at TU and EX granting you an EE. Just some

food for thought. Congrats once again!

[Anonymous]

Thanks for the advice @AllThingsInTime. I'll look into the EE this evening. 

Quick question, since I was approved the Amex ED today, is it worth trying for the Amex Express Cash card? I ran the pre-qual and it shows I'm eligible.

[Anonymous]

@Trudint

The short answer to your question is that I'd go after the EE's

for TU and EX right away this month, and then go after the EE for

EQ in August. If all goes well, you'll have three (3) clean files

and scores across the board in the 700s. That's a much better

position from which to go after the Amex Express Cash card.

I'm sure others will chime in as well, but that's what I'd do if I were

in your shoes right now. Congrats again on your success!