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Discover IT approval SL 10500

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Anonymous
Not applicable

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
Anonymous
Not applicable

Re: Discover IT approval SL 10500

Congrats on the approval and killer SL!! And a 0% BT fee to boot!
Message 2 of 14
M_Smart007
Legendary Contributor

Re: Discover IT approval SL 10500

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

Message 3 of 14
Anonymous
Not applicable

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
simplynoir
Community Leader
Mega Contributor

Re: Discover IT approval SL 10500

Congrats on your new card

Message 5 of 14
Anonymous
Not applicable

Re: Discover IT approval SL 10500

Congrats on your approval, very nice CL

Message 6 of 14
Anonymous
Not applicable

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
Anonymous
Not applicable

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.

 

 

Message 8 of 14
macinjosh
Senior Contributor

Re: Discover IT approval SL 10500

Congrats and awesome SL auto boot!


Samsung Financing TD Bank $3,200


Message 9 of 14
FireMedic1
Community Leader
Mega Contributor

Re: Discover IT approval SL 10500

Congrats! Nice SL to start off with.


Message 10 of 14
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