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Discover It Approval

Aramos
New Contributor

Discover It Approval

Just wanted to post, attempted to the prequal site for Discover and it came back with a Discover Secured pre-approval. I decided to go ahead and try for the Discover It Cash Back card instead and got approved. SL - $1,400 Which brings my total CL on open accounts to $5,500. For reference, EQ-644, TU-643, EX-641, and they pulled the EX on the pre-approval site at least. AAoA - 2 yrs 10 mths

 

The only question is should I attempt to go for an AMEX as well, or wait it out for HP to go away or scores to increase.

Message 1 of 11
10 REPLIES 10
ttulaw
Established Contributor

Re: Discover It Approval

First, congrats on your approval!  I like my Discover It and use it quite frequently.  Your overall CL across all cards $4,100 more than your Discover It, so how many other cards and which do you have?  Is there a specific need you're trying to fill with an AMEX or is it more of just a "want" at this point?







Message 2 of 11
doinit1
Valued Contributor

Re: Discover It Approval

EXcellent!! Congratulations!

American Express Business Gold(NPSL 10k) Chase CSP (25k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(4.1k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (1k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(4.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (500✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until June 2021

FICO 8 Scores EX 700 EQ 696 TU 703
AAOA 5.2yrs TCL=268,700
Message 3 of 11
Aramos
New Contributor

Re: Discover It Approval

Thanks both of you!! and I have a Cap One Quicksilver that is $3,300, a Wells Fargo card( graduated from secured) that has been stuck at $600 for years lol. And $200 macy's that I use sometimes. As far as the AMEX, it is more so of a want (I also want a Chase later one as well). But I do want a travel/miles card at some point to start accruing those rewards.

Message 4 of 11
MartyWrite75
Established Contributor

Re: Discover It Approval

Congratulations on getting a new Discover card! 

June 2021: Experian 710 Equifax 701 Transunion 723


Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS1: $4,100 || Discover It: $3,400 || Cap One Walmart: $600 (Sock drawer) || AMEX BCP: $1,000 || Amazon Prime Store Card: $6,000 || Overstock Store Card: $6,050 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $2,000

Wishlist Cards:
Citi Double Cash || Paypal Mastercard || Cap One Savor

Gardening from 03/18/2021 to 04/18/2023 (ideally)
Total Utilization: 10%
Message 5 of 11
Bigdaddy003
Regular Contributor

Re: Discover It Approval

Congratulations on the approval. I just left the Disco preapproval site right before I saw your post. I only showed the secured card as pre approved. My scores are in the 700’s but your AAoA is higher than mine. Makes me wonder if I should try one day.

FICO 8 Scores 07/17
FICO 8 Scores 07/19
Message 6 of 11
Aramos
New Contributor

Re: Discover It Approval

It showed me the same as well, only the secured. But yeah, scores are higher, so maybe offsets the AAoA.

Message 7 of 11
AverageJoesCredit
Mega Contributor

Re: Discover It Approval

Congrats on getting your DiscoverSmiley Happy
Message 8 of 11
austingal
Regular Contributor

Re: Discover It Approval

Congrats! Welcome to the Discover It club.

Message 9 of 11
19eighty5
Senior Contributor

Re: Discover It Approval

Congratulations on your Discover approval!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

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