cancel
Showing results for 
Search instead for 
Did you mean: 

Discover IT approval SL 10500

Highlighted
Valued 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
Highlighted
Valued 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
Highlighted
Epic Contributor

Re: Discover IT approval SL 10500

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

popcorn eating emoticon.gif

Message 3 of 14
Highlighted
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
Highlighted
Community Leader
Super Contributor

Re: Discover IT approval SL 10500

Congrats on your new card

2020 is like a steak cooked well-done that needs to get out of my face. - @imapharmacygirl
Message 5 of 14
Highlighted
Established Contributor

Re: Discover IT approval SL 10500

Congrats on your approval, very nice CL



Message 6 of 14
Highlighted
Valued 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
Highlighted
Valued 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.

 

 

July 2020
Experian Fico 8. 707
Transunion Fico 8. 705
Equifax Fico 8. 724

Capital one QS1. $2450
Discover IT Cashback. $12,000
PNC cash rewards signature Visa. $17,500
Chase SW rapid rewards signature visa $6900
Amex Green Card NPSL POT $11,000

Amex Hilton Honors $1000
Citi Rewards $3900
Message 8 of 14
Highlighted
Senior Contributor

Re: Discover IT approval SL 10500

Congrats and awesome SL auto boot!










Message 9 of 14
Highlighted
Super Contributor

Re: Discover IT approval SL 10500

Congrats! Nice SL to start off with.

Message 10 of 14
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.