cancel
Showing results for 
Search instead for 
Did you mean: 

Discover It Card Approved Today!

Athena
Valued Member

Discover It Card Approved Today!

I've been following MyFico around 3 years now. I've had my eye on the Discover It card for a year now. I finally pulled the trigger today after opening two new accts in the last month. Walmart and Amazon. I was afraid to get denied reading the posts about needing at least a mid 600's score. Mine is hovering right at 620-627 depending on the bureau. I app'd and was counter offered a higher int rate . I hit accept and was approved for 2,000! thats my highest limit. God is good . 

 

here are some details about my situation  

 

I have a Secured BOA -$500 opened in Nov 2015

capital one -$500 opened Feb 2016 originally $300 graduated about four months ago to 500

Walmart CC $500 opened Dec 2016

Amazon CC $700 Opened Jan 2017 Two days ago, 

and Discover it Today ! 

 

I have 2 collections, one  from 2013 for around 650itsmedical  and 2013/12 from ATT i'm going to dispute that bc It was from a service change. from DSL to Uverse they kept charging for both and sent the other to collection while i was still a customer til 2015 . 

I have two late payments showing from student loans , 

I have a car loan from kia dec 2015

Truck loan Santander dec 2015 ihate the int rate on that . 

 

 

Starting Score: 492
Current Score: 627
Goal Score: 700


Take the myFICO Fitness Challenge
Message 1 of 19
18 REPLIES 18
Awashi17
Frequent Contributor

Re: Discover It Card Approved Today!

Congrtas to you. Keep working on your credit and good things will continue to come your way.

Message 2 of 19
Athena
Valued Member

Re: Discover It Card Approved Today!

thank you ! 

Starting Score: 492
Current Score: 627
Goal Score: 700


Take the myFICO Fitness Challenge
Message 3 of 19
AverageJoesCredit
Mega Contributor

Re: Discover It Card Approved Today!

Thats a great sl. Enjoy your new cardSmiley Happy
Message 4 of 19
Kytim
Frequent Contributor

Re: Discover It Card Approved Today!

Congrats you'll love it
Capital One QS 13.000
Discover It 13,000
Amex BCP 10,000
PayPal MC 10,000
Amex HH 6,000
Citi DC 8,000
Penfed 8,500
Amex Cash Magnet 6000
Walmart 10000
Kohls 3000
Message 5 of 19
AJE1
Valued Member

Re: Discover It Card Approved Today!

Congrats! !!!
Message 6 of 19
Aduke1122
Senior Contributor

Re: Discover It Card Approved Today!

Congrats OP , I would start looking for a good credit union and get that auto loan from santander refinanced ASAP I'm sure they are making a killing off of you with the interest
Message 7 of 19
Athena
Valued Member

Re: Discover It Card Approved Today!

You're right about that. Only thing is my credit union denied me when I went to apply for the loan. Should I try again?
Starting Score: 492
Current Score: 627
Goal Score: 700


Take the myFICO Fitness Challenge
Message 8 of 19
Aduke1122
Senior Contributor

Re: Discover It Card Approved Today!

Yes most definitely, your credit has had time to improve and you have a pattern of payment history now , I'm sure you can beat that rate . There is a thread on here about the best credit unions, maybe check it out .

Message 9 of 19
Aduke1122
Senior Contributor

Re: Discover It Card Approved Today!

Yes most definitely, your credit has had time to improve and you have a pattern of payment history now , I'm sure you can beat that rate . There is a thread on here about the best credit unions,.maybe check it out .
Message 10 of 19
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.