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Discover IT approval SL 10500

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Established Member

Discover IT approval SL 10500

I had been looking for a BT card and built up the courage to apply today. Thankfully the SL is enough to transfer my balance and maintain low individual utilization. 10500 SL, 14 months 0% APR on BT and purchases, 0% BT fee. I was preapproved online for different terms, but chose to apply using mail offer for the 0% BT fee.
Scores:
TU 716
EX 708
EQ 720
Utilization: 14%
Inquiries: 4/24
AAOA: 8 years
AOYA: 7 months

Onward and upward one step at a time thanks to Myfico.
Message 1 of 14
13 REPLIES 13
Established Contributor

Re: Discover IT approval SL 10500

Congrats on the approval and killer SL!! And a 0% BT fee to boot!
Message 2 of 14
Senior Contributor

Re: Discover IT approval SL 10500

Congrats on you're it Approval!! Very Nice SL

Message 3 of 14
Super Contributor

Re: Discover IT approval SL 10500

Nice SL and I'm glad it will absorb your BT nicely.

 

Many people to take on a Discover BT tend to report better luck with SP CLIs.  That being said, I'd recommend trying for them starting around Month 4 of your account being opened.  From there a good routine would be to request a SP CLI on the first Monday of the month following your updated FICO score on their site.  If you're able to bump up your limit a bit more due to having that balance on there that will be a great thing since it will just drive that utilization down even lower.  You may have more luck building that limit now with the BT balance present compared to 14 months from now after you have it paid off.

Message 4 of 14
Community Leader
Super Contributor

Re: Discover IT approval SL 10500

Congrats on your new card

Message 5 of 14
Established Contributor

Re: Discover IT approval SL 10500

Congrats on your approval, very nice CL



Message 6 of 14
Established Member

Re: Discover IT approval SL 10500

Thanks for the advice. I will definitely keep that in mind when the time comes. Hopefully i will have a good chunck paid down by then as well.
Message 7 of 14
Frequent Contributor

Re: Discover IT approval SL 10500

Congrats!!

 

I've had my card for about 2 1/2 months now. So far so good. I think you'll be happy with it.

 

 

7/2019 Ex 08 670 TU 08 686, EQ 08 692. And climbing...

Cap 1 QS $500, Cap 1 QS1 $750, Discover $9500.
Message 8 of 14
Senior Contributor

Re: Discover IT approval SL 10500

Congrats and awesome SL auto boot!









Message 9 of 14
Senior Contributor

Re: Discover IT approval SL 10500

Congrats! Nice SL to start off with.





My posts are JMHO. I DO NOT claim to be a FICO expert. Just sharing my experiences from rebuild to recovery after BK DC. My siggy is not to brag at all. Just to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 10 of 14
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