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Discover IT approval for me !!! ๐Ÿ˜๐Ÿ˜ƒ on 3/31/2021

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Anonymous
Not applicable

Discover IT approval for me !!! ๐Ÿ˜๐Ÿ˜ƒ on 3/31/2021

After manyyyy years of Patience, again I waited for YEARSsSsSsS ( sued by them in 2001 ). But today 3/31/2021. Btw, I had a bad motorcycle wreck, 8/15/2000, ( helicopter flight included to Shock Trauma ) But I naturally fell behind on ALL my bills !!! Ultimately, I was sued by Discover, ( It ballooned quick fast & in a hurry, to $7500 ๐Ÿ˜ฃ๐Ÿ˜ฅ๐Ÿ˜ฎ๐Ÿ˜•โ˜น ) But eventually, after I finally got back to work, ( light duty ) I paid back every dollar I owed, PLUS their attorney fees, etc. BUT, as I was saying, I went to the Discover pre-qual page today, entered my info, AND it came up and said I was pre-qualified for I think 2 or 3 different cards. ( Srry for the memory lapse ) But it also listed, a SOLID APR !!! NOT a range like I've heard of. But a CLEARLY listed, solid 11.99 APR. NOT like 11.99 thru 24.99 kinda thing. Any how, I clicked SUBMIT, and I was INSTA approved for $7k !!! ๐Ÿ˜๐Ÿค—๐Ÿ™‚ Yayy me !!!! Yes, since that wreck back in the day, I have thoroughly since rebuilt my credit, ( still walk with a limp ) and I have, long since BACK in STELLAR credit/life mode ๐Ÿ˜‰๐Ÿ˜€๐Ÿ˜˜๐Ÿ˜๐Ÿค— !!! But a very interesting data point. I burned Discover, NOT in a bankruptcy, ( NEVER ) but they did sue me, and they WON !!! But I paid em back every cent via paycheck court garnishment. But also, I was NOT blacklisted, and clearly approved !!! It is NOT my highest S/L card, or any where near my highest c/l card !!! But now, it does put me over 100k in available credit limit lines total between all my cards !!! ๐Ÿ˜˜๐Ÿ˜ฒ๐Ÿง๐Ÿพ๐Ÿค—โ˜บ๐Ÿ˜Š. And yes, I defaulted on them 20+ years ago !!! So if any one else has/had a similar situation, this is how it went for me with Discover today !! From a HUGE problem I had with them back in the day !!! ๐Ÿ˜๐Ÿ˜™๐Ÿ˜๐Ÿฅณ๐Ÿค–๐Ÿ‘พ๐Ÿ‘ฝ๐Ÿ™ˆ๐Ÿ‘€๐Ÿคบโ›ท๐Ÿ‘…

 

PS, I took the Discover IT quarters 5% card ( I chose green...lol ๐Ÿ˜†๐Ÿ˜…๐Ÿ˜‚ ) I already have the Chase Trifecta, Sapphire, FU, and Freedom which Freedom is a category card also. But hoping they won't overlap same catagories, b/c I'll take 5% cash back, vs 2% anytime I can get it !!! ๐Ÿ˜—๐Ÿ˜„๐Ÿ˜๐Ÿ˜‰๐Ÿ˜€ It's like NOT paying sales tax !!! Srry Uncle Sam !!! ๐Ÿ˜‹๐Ÿ˜๐Ÿ˜˜๐Ÿ˜‚๐Ÿคฃ๐Ÿ˜€๐Ÿ˜‰

 

Good Luck all !!! ๐Ÿค—๐Ÿ˜๐Ÿ˜˜๐Ÿ˜๐Ÿ˜ฑ๐Ÿ™ˆ๐Ÿ‘€๐Ÿค™๐Ÿ‘‹

16 REPLIES 16
AllZero
Mega Contributor

Re: Discover IT approval for me !!! ๐Ÿ˜๐Ÿ˜ƒ on 3/31/2021

Congratulations on your approval, your road back to recovery, and $100K TCL!

Message 2 of 17
Anonymous
Not applicable

Re: Discover IT approval for me !!! ๐Ÿ˜๐Ÿ˜ƒ on 3/31/2021

Congrats on your approval. Geez sounds like quite the journey you went through over th past few decades. Happy to see you were able to turn everything around and make all well again! ๐Ÿ˜„

 

Incredible score and total CL, great work! ๐Ÿ˜Ž

Message 3 of 17
Credit4Growth
Senior Contributor

Re: Discover IT approval for me !!! ๐Ÿ˜๐Ÿ˜ƒ on 3/31/2021

Thank you for sharing part of your journey!

Congratulations on your instant approval!  ๐Ÿฅณ 

Message 4 of 17
MartyWrite75
Valued Contributor

Re: Discover IT approval for me !!! ๐Ÿ˜๐Ÿ˜ƒ on 3/31/2021

Awesome sauce!  Congratulations on your approval!

April 2024: Experian 772; Equifax 779; Transunion 781


Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS (#2): $6,200 (Sock drawer) || Discover It: $11,400 || Cap One Walmart: $600 (Sock drawer) || AMEX BCP: $8,900 || Amazon Prime Store Card: $10,000 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $5,500 || Citi Custom Cash: $9,500 || Verizon VS Visa: $10,000 || Amex Hilton Honors: $10,000 || Amazon (Chase) Prime Rewards (VS): $9,500

Wishlist Cards:
Paypal Mastercard || Bread Mastercard

Gardening to 10/2024(ideally)
Total Utilization: 11%
Inquiries: Exp: (1) Trans: (0) Equif: (0)

Message 5 of 17
RickNATL
Established Contributor

Re: Discover IT approval for me !!! ๐Ÿ˜๐Ÿ˜ƒ on 3/31/2021

Congrats....glad to see you got the win!

Message 6 of 17
M_Smart007
Legendary Contributor

Re: Discover IT approval for me !!! ๐Ÿ˜๐Ÿ˜ƒ on 3/31/2021

Congratulations on your Discover IT approval! ...

Message 7 of 17
MyFault
Valued Contributor

Re: Discover IT approval for me !!! ๐Ÿ˜๐Ÿ˜ƒ on 3/31/2021

Congrats on your approval!






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Message 8 of 17
CreditAggie
Community Leader
Super Contributor

Re: Discover IT approval for me !!! ๐Ÿ˜๐Ÿ˜ƒ on 3/31/2021

Congratulations on your Discover approval!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (May 2024):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 9 of 17
fsalsa2
Regular Contributor

Re: Discover IT approval for me !!! ๐Ÿ˜๐Ÿ˜ƒ on 3/31/2021

Congrats on your discover approval! 




NFCU Cash Rewards: $24,000
NFCU More Rewards: $24,000
NFCU Visa Signature Go Rewards: $29,600
Capital One Quicksilver: $500
Capital One Quicksilver One: $500
Military Star Card: $ 3,400
Venmo Credit Card: $5,400
USAA Platinum Visa: $4,000
American Express Delta Skymiles Reserve: $10,000
American Express Platinum
X1 Credit Card: $ 27,500
Chase Freedom Flex: $ 3,700
Message 10 of 17
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