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Discover It Blue Approved

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Re: Discover It Blue Approved


@kah-pas wrote:

$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)


 

Congrats on your Approval...
You have nice portfolio of cards.
I asked for a CLI on my $3,500 QuickSilver too, but they gave me the same reason they gave you. It is true though, I haven't used it a lot the last 6 months, but that's because I got approved for so many other new cards, and had spends reach...etc. I have a Venture card with them with a $30K CL which I used a ton though since I got it 6 months ago. Now I have to try find whatever reasons to can to use the QuickSilver more... I figure I will do a lot of spending for two months, and then take another shot at the CLI. Since it's a SP, it can't do any harm...

GoingGold
*UPDATED AS OF 09/09/2019*
EQ: 712 ___ TU: 708 ___ EX: 689
Utlz:1% ___ Old Lates/COs: 2 ___ Collections: 0 ___ Public Records: 0 ___ Last Late: 2.1 yrs ___ AAoA: 7.1 yrs ___ AAoOA: 23.10 yrs

AMEX PLATINUM ___ AMEX GOLD = $3,000 (P.O.T) ___ AMEX BONVOY BRILLIANT = $5,000 ___ AMEX CASH MAGNET = $1,000
CAP ONE VENTURE = $30,000 ___ CAP ONE QUICKSILVER = $3,500 ___ CAP ONE PLATINUM SECURED = $500
BANK OF AMERICA CASH REWARDS = $15,000 ___ BANK OF AMERICA PREMIUM REWARDS = $15,000
DISCOVER IT MILES = $15,000 ___ FIDELITY INVESTMENTS CASH REWARDS = $16,500
**TOTAL OVERALL CREDIT LIMIT = $101,500, or $104,500 if you include the Amex Gold P.O.T option CL.
Message 11 of 13
Regular Contributor

Re: Discover It Blue Approved

congrats and enjoy the disco luvs mine..

Message 12 of 13
Valued Member

Re: Discover It Blue Approved

Congrats and welcome to the Disco family! 

 



As of 7/11/19




Message 13 of 13
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