Congratulations, Ohsnaps! That is awesome. Welcome to the Disco fam! 
@Anonymous wrote:So excited! Discover IT APPROVAL!!!! WOOOOOOOOOOOOOOHOOOOOOOOOOOOOOOOOOOOO. And my highest CL!
I applied back in December w/ ficos around 580-590 and was denied, no counter offer for secured. Today my EQ/EX updated my last statment and my score raised significantly (658 fico 8 ex/eq), so I did the prequal online and could not find any offers, showing a range from 11.49-24.5x% 14mo balance transfer 0% etc.
I decided to pull the trigger and applied anyway, and it came back imediately with a counteroffer.
I can't seem to attach any images to this post but in short it said they could not approve my application but please accept the new offer, 23.49% apr, 10.99% apr for 6mo and then 23.49 w/ 3% fee, same cash rewards offer but no posted CL. I accepted the offer and was brought to a page requesting proof of address and social security card.
I immediately uploaded a copy of my last capital one statment and left work for the day. When I got home, I had 2 missed calls from Discover, I called back and she advised after a convo she could finish the app without proof of ssn - and within 1 minute on hold came back with $1800 CL!
My data points below - again I can't add these images so pardon the long post..
EX TU EQ
658 658 643 FICO 8
$2/$1501 0% $369/$1401 26% $2/$1501 2% CC debt/Utilization
$1486 $1853 $1486 Total Debt
3 2 1 Accounts ever late
1.9yr 4.4yr 2yr Time Since Negative
5 10 4 Inquiries
10.8yr 6.7yr 5.8yr Length of history
3.9yr 2.1yr 1.3yr Average Account Age
My current cards/loans:
Cap1 Secured 13mo $ 501 CL
Cap1 Quicksilver 3mo $ 600 CL (CLI from $500 last week, right before 3rd statement)
Credit one 3mo $ 400 CL
NFCU not reported! $1300 CL
CU loan 7mo $550/$1500
CU LOC 4mo $700/$750 (Just figured out this reports at end of month, will report 0 this next statement!)
My questions:
1. Can I request a CLI w/ discover before I recieve the card/activate? - Is this advised? I don't "need" it.
2. I plan to apply for NFCU auto/cloc in 12mo - the only other cards I want is synch amazon / synch walmart. I see these are TU pulls - Should I wait another few days for TU to update my new utilization /score increase before applying for these 2?
3. If I do apply for these today, or next week - will that hurt my AAoA too much and maybe cause concern for auto/cloc in 12mo?
Either way, either Garden now or after these 2 applications.. December FICO 552. March FICO 653!
Thanks for everything so far guys, I can't wait to keep growing and I hope my experience helps current and future members.
Congrats
No CLI until 90 days later or more (It deppends on Disco system and your credit profile)
