Discover It Cash Back approved after BK burn!

skorpyo3 · ‎07-07-2018

Hi all! So excited to finally be approved after burning Discover in my 2012 BK. Have been trying ever since with prior negative account decline. Discover fell off my Experian report very recently, so I'm sure that's a big part of the approval. SL $8,000 with lowest APR @ 13.74%. Have seen some low SL with Discover, so I'm very happy and excellent APR as well.

Some stats:

Pulled Experian

Fico 665(lowest of all 3)

8 inquiries

BK discharged 11/12

Total credit card balance $9500 on C1 card with $50,000 CL avaialble. All other cards zero balance.

|EQ 698|TU 674|EX 665| BK discharged 11/2012

[Amex PRG No PSL] [Cap 1 QS Visa Sig $50,000] [Barclaycard CashForward WMC $25,000] [Patelco CU MC $20,000] [BofA Cash Rewards Visa Sig $15,000] [Amex BCE $13,000] [Discover It Cashback $13,500] [US Bank Cash + Visa Sig $10,000][US Bank Platinum Visa $8,400] [Penfed Power Cash Rewards Visa Sig $10,000] [USAA Cashback Rewards Plus Amex $15,000] [Citi AAdvantage WMC $5,000] [Macy's Amex $7,500] [JCP $6,500] [Amazon Prime $6,000] [Target $2,000]

Creditbuilder36 · ‎07-07-2018

Congratulations 🎈

gdale6 · ‎07-07-2018

Grats on the new card and they are fully aware of the prior CO its in their internal system forever.

CreditCuriosity · ‎07-07-2018

@gdale6 wrote:
Grats on the new card and they are fully aware of the prior CO its in their internal system forever.

Congrats and agree they certainly know who you are even though it feel out your CR. Enjoy the very nice CL and best apr.

08 Scores - TU: 839 - EXP:839 - EQ:838

RonM21 · ‎07-07-2018

Congrats! I like Discover. They've always been one of the better relationships for me.

Total CL: $321.7k

UTL: 2%

AAoA: 7.0yrs

Baddies: 0

Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

Anonymous · ‎07-07-2018

Congratulations!!!

AverageJoesCredit · ‎07-07-2018

Guess Discover likes fire on occasion

Congrats

Anonymous · ‎07-08-2018

Congrats on Approval and very nice SL

MartyWrite75 · ‎07-09-2018

Very nice SL and low APR! Congratulations!!!

December 2024: Experian 779; Equifax 779; Transunion 781

Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS (#2): $6,800 (Sock drawer) || Discover It: $13,400 || Cap One Savor One: $600 (Sock drawer) || AMEX BCP: $8,900 || Amazon Prime Store Card: $10,000 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $7,500 || Citi Custom Cash: $12,500 || Verizon VS Visa: $15,000 || Amex Hilton Honors: $10,000 || Amazon (Chase) Prime Rewards (VS): $9,500

Wishlist Cards:
Paypal Mastercard || Bread Mastercard

Gardening to 10/2024(ideally)
Total Utilization: 10%
Inquiries: Exp: (1) Trans: (0) Equif: (0)