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Discover It Blue Approved

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Valued Member

Discover It Blue Approved

$6,500.00 SCL / 14 months 0% APR

Earlier today Capital One Quick Silver -- where I have a $3K CL -- declined (again, for the 2nd time in a 12 months) a CLI and gave me a “too low usage” as a reason. A nonsense I tought given that I've been spending, and paying in full, over 70% of the CL. (granted only for the last three months) so I got angry and, basically, jumped the  gun too early with this application.

Why? Last month my score dropped 20 points for I've taken a 60 months personal loan with the WF. This month my score dropped further 44 points for the overall debt use ratio has increased to 25%. (a 64 points total drop, to 683 from 747) I went to check my free score on Discover, saw 707 and still, irrationally and uncharacteristically, fuming over the Cap1 denial, applied for the card.

The system asked me to provide a full bank's statement and advised me to contact them so they could "immediately" check the application. I did it over the Chat, answered a few questions and that was it.

Happy for I wanted to diversify my portfolio of CCs with Discover anyway. This is what I have at the moment:

$3,000.00 Capital One Quick Silver
$4,000.00 Wells Fargo Propel
$4,200.00 Wells Fargo Platinum
$6,500.00 Discover It Blue
$10,000.00 Capital One Venture
AMEX Platinum
(12% utilization)

Message 1 of 13
12 REPLIES 12
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Super Contributor

Re: Discover It Blue Approved

Congrats and welcome to the Disco Family. Cap1 has tighten the purse strings for a while now.It is what it is. Enjoy!

Message 2 of 13
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Valued Contributor

Re: Discover It Blue Approved

Congrats on the Disco approval!




Message 3 of 13
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Moderator

Re: Discover It Blue Approved

Congrats on your approval 

Message 4 of 13
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Community Leader
Super Contributor

Re: Discover It Blue Approved

Congratulations on your new card

Message 5 of 13
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Established Contributor

Re: Discover It Blue Approved

Congrats on the disco. It will grow and doesnt take three HPs to get in.
Message 6 of 13
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Valued Contributor

Re: Discover It Blue Approved

Congrats on your approval!! I love my Discover It card!!
Message 7 of 13
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Community Leader
Senior Contributor

Re: Discover It Blue Approved

Congrats on the new Disco. Everyone needs one lol 

Discover It: 19.7k
Amex ED: 18k
Citi DC: 7.7k
Best Buy Visa: 3k
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Once you go Berner, you never go back.
Message 8 of 13
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Epic Contributor

Re: Discover It Blue Approved

Congrats on your Disco it approval

Message 9 of 13
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Regular Contributor

Re: Discover It Blue Approved

Congratulations on your Disco approval! Nothing feels better than getting a new credit card approval.  It's like Christmas in June!





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