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Discover It APPROVAL!

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Established Contributor

Discover It APPROVAL!

I went ahead an apped for a 2nd Discover card and was surprised with a 12,500 limit! I really only got this card for the 18 month BT offer as I need to transfer a balance in a couple of months. I'll also throw some 5% category spend on this as well since it is matched for the 1st year. I plan to combine this Discover into my older one once the BT is paid off!

 

Data Points:

Experian 697 

 

I think experian was the only one that was pulled since it was the only I received a notifcation more. Coincidentally, it is also my lowest score which makes the starter limit even more surprising!

 

 

Amex Gold NPSL, Amex Hilton Aspire 3k, Amex Marriott Bonvoy 1k, AMEX BBP 3.5k, AMEX Hilton Surpass 4.5k, BOA Cash Rewards 8.2k, BOA Better Balance Rewards 2k, Care Credit 15k, Chase Amazon Visa 19.825k, Discover 11.8k, Discover 12.5k, Nordstrom Store 4.5k , Fidelity Visa 10k, Cap 1 QS 15k, Cap 1 Savor 10.5k, Citi Rewards+ 4.4k, Citi DC 7.5k, Citi Advantage Platinum 5.5k, US Cash+ 3.5k, Altitude Reserve 9k, Paypal Mastercard 4k, Apple Card 6.5k
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14 REPLIES 14
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Frequent Contributor

Re: Discover It APPROVAL!

nice SL! ive been thinking of doing the same with a BT. but worried my UTI may be a tad too high. mind saying what yours was/is?

Fico 08 TU 680 EQ 682 EX 680 (4/05/18)
Fico 08 TU 668 EQ 656 EX 671 (1/13/18)
FICO 08 TU 533 EQ 512 EX 522 (2/6/17)
1 collection charge off paid April '17 ($500 GTE FCU) went over 120+ days late on it account closed. PIF to CA

NFCU Cash Rewards-$2800 (1/13/18), USAA Classic Platinum Visa-$1000 (1/13/18), Discover IT-$10,000! (1/13/18), AMEX BCE-$1000 (1/13/18), AMEX Blue Delta SkyMiles-$1000 (1/13/18), Care Credit-$7500(1/13/18), Cap1 Platinum Preferred-$1500 (1/15/18), Wal-Mart $5000 as of Nov '17 (SL $200 July '17), Dillards $1000 July '17, Several rebuilder cards closed not listed
Message 2 of 15
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Community Leader
Senior Contributor

Re: Discover It APPROVAL!

Nice SL! Great card too. Congrats!

Discover It: 19.7k
Amex ED: 16k
Citi DC: 6.7k
Amex BCE: 4k
Citi Rewards+: 3.6k
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Once you go Berner, you never go back.
Message 3 of 15
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Super Contributor

Re: Discover It APPROVAL!

Congratulations on The Discover ItSmiley Happy

Message 4 of 15
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Valued Contributor

Re: Discover It APPROVAL!

Congrats on the new Disco and sweet SL!




Message 5 of 15
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Established Contributor

Re: Discover It APPROVAL!


@Roy21 wrote:

nice SL! ive been thinking of doing the same with a BT. but worried my UTI may be a tad too high. mind saying what yours was/is?


i believe mine is at 6%. My total CL across all cards is at around 139k.

Amex Gold NPSL, Amex Hilton Aspire 3k, Amex Marriott Bonvoy 1k, AMEX BBP 3.5k, AMEX Hilton Surpass 4.5k, BOA Cash Rewards 8.2k, BOA Better Balance Rewards 2k, Care Credit 15k, Chase Amazon Visa 19.825k, Discover 11.8k, Discover 12.5k, Nordstrom Store 4.5k , Fidelity Visa 10k, Cap 1 QS 15k, Cap 1 Savor 10.5k, Citi Rewards+ 4.4k, Citi DC 7.5k, Citi Advantage Platinum 5.5k, US Cash+ 3.5k, Altitude Reserve 9k, Paypal Mastercard 4k, Apple Card 6.5k
Message 6 of 15
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Frequent Contributor

Re: Discover It APPROVAL!

Beautiful, very nice SL! Congrats.



Current Scores Jul 2019 – FICO 8
Message 7 of 15
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Regular Contributor

Re: Discover It APPROVAL!

Sweet! My Discover has had a $1k CL since I opened it in 2004. Smh.

So if you combine the accounts, do you keep the aging?

   
Credit Repair Tracker: Don't get discouraged: 220pts gained to 780!


MYFICO Proud Garden Club Member: 

Message 8 of 15
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Frequent Contributor

Re: Discover It APPROVAL!

Congrats on your awesome approval and sl!

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Message 9 of 15
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Frequent Contributor

Re: Discover It APPROVAL!


@Boisvert wrote:
Sweet! My Discover has had a $1k CL since I opened it in 2004. Smh.

So if you combine the accounts, do you keep the aging?

i believe that depends on which card you add to the other. like if you add the new card to the old one, you would keep aging. but if you add old card to the new one, it would close out the old card and not really be considered open aging. it would still be on your report for 7 years. but not be the open one. if that makes any sense. but youd have to check if you can do that. with several companies i know you cant add the new card to the old one for a year or so anyway because thats basically just a cheat major CLI. but the other way around is possible with some right away. 

Fico 08 TU 680 EQ 682 EX 680 (4/05/18)
Fico 08 TU 668 EQ 656 EX 671 (1/13/18)
FICO 08 TU 533 EQ 512 EX 522 (2/6/17)
1 collection charge off paid April '17 ($500 GTE FCU) went over 120+ days late on it account closed. PIF to CA

NFCU Cash Rewards-$2800 (1/13/18), USAA Classic Platinum Visa-$1000 (1/13/18), Discover IT-$10,000! (1/13/18), AMEX BCE-$1000 (1/13/18), AMEX Blue Delta SkyMiles-$1000 (1/13/18), Care Credit-$7500(1/13/18), Cap1 Platinum Preferred-$1500 (1/15/18), Wal-Mart $5000 as of Nov '17 (SL $200 July '17), Dillards $1000 July '17, Several rebuilder cards closed not listed
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