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Discover Quadrunner?

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Frequent Contributor

Discover Quadrunner?

It's been awhile since I've post here, very busy 2019.  I've been very inactive with the all the activity that makes this such a great and fun place to visit.  I did a recent refi on my VA loan and  wanted to see if I could get a few APR reductions on any of my cards. I missed the activity but initially didn't want any new accounts.

 

 So I started off by requesting and receiving a $4.5k sp cli on my Citi DC which increased my limit to $15.2k. Yesterday I sent a secure message to NFCU and asked for a APR reduction on my cash rewards card and it was reduced from 13.65% to 11.65%, I can live with that. I then became bolder and chatted with AMEX and was able to reduce my BCE from 18.99% to 13.99%, no promo (big smile). Looked at my capital one(sigh).

 

I then looked at prequals for Chase (never) and for fun checked Discover; low and behold I saw a preapproval for 14 months @ 0%, 13.74% therafter. I decided to pull the trigger and had to call to verify that I actually applied. I was approved with a SL of $7.5K and cashback match. This became my fourth Disco approval over the years. my first one was in 2015 for $1k @20.99 which I cancelled without even using. I tried again in 2016 and was again approved for $1k @19.99 which I accepted and was able to grow to $4.5k. In 2018 I applied and received another approval for $1k @ 13.99 which I accepted, giving me two active accounts. I was given a cli to $2k on the new account at 60 days. I proceeded to  close the $4500 card with the higher APR and transferred that limit to my 2018 card for a total of $7.5k.  After 6 months of trying, they finally gave me a $500 cli. bringing my limit to $8K. Numerous cli denials later I was finally approved two weeks ago,  for a cli of $2k bring my limit to $10k. I guess at some point I'll try to combine the two current cards and in about 18 months I'll go for round 5.  

 

 

 

 

 

EX08: 750(12)inqs, TU08: 739 (11)inqs, EQ08: 731 (7)inqs. 4% util., $169,450 spread across 10 cards. THE DIRT: (1) 60 days late-9/13, (2) 30 days late-7/13 as of 6/8/18
Message 1 of 10
9 REPLIES 9
Senior Contributor

Re: Discover Quadrunner?

My word you did all kinds of stuff....and it worked.  I like that you can combine, good luck and congrats on the fourth approval.

"MY TAKE HOME PAY DON'T TAKE ME HOME"
Message 2 of 10
Super Contributor

Re: Discover Quadrunner?

 

Congrats!

 

 

Message 3 of 10
Valued Contributor

Re: Discover Quadrunner?

Congratulations!


Message 4 of 10
Established Contributor

Re: Discover Quadrunner?

Congratulations on your approval!

January 2020 Current Scores:
Experian-681
TransUnion-686
Equifax-700
Goal for 2020: Scores of 700 all across the board.
Gardening until Spring 2022

Cap One (PCed to Quicksilver 7/20/18) $500
C1 Quicksilver One $2.6K
DiscoverIt Chrome $2.3K
Walmart Store Card $500
Ollo Rewards Card $800
Amazon Store Card $1K
Overstock $250
Amex BCE $1K

Cards I Want: Paypal 2%, CareCredit, Capital One Savor

Total Utilization: 33%
No baddies
Inquiries to Date- 3


Message 5 of 10
Frequent Contributor

Re: Discover Quadrunner?

Thanks all, yes Laura I was busy, lol, I received all the info and training from reading this website. 

EX08: 750(12)inqs, TU08: 739 (11)inqs, EQ08: 731 (7)inqs. 4% util., $169,450 spread across 10 cards. THE DIRT: (1) 60 days late-9/13, (2) 30 days late-7/13 as of 6/8/18
Message 6 of 10
Established Contributor

Re: Discover Quadrunner?

simoncongrat.gif

You were really running the CSRs through their paces today, haha!

 


AU




Starting Score: 651
Current Score: 683
Goal Score: 751

Take the myFICO Fitness Challenge
Message 7 of 10
Super Contributor

Re: Discover Quadrunner?

Somebody's been busy

Congrats !




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>01/2020 CCT EX 832 TU 848 EQ 842
It's just a jump to the left
And then a step to the right
Put your hands on your hips
You bring your knees in tight
But it's the pelvic thrust that really drives you insane
Let's do the Time Warp again!
Let's do the Time Warp again!

Message 8 of 10
Valued Contributor

Re: Discover Quadrunner?



Congrats ! ! !



















Your FICO credit scores are not just numbers, it’s a skill.

Message 9 of 10
Senior Contributor

Re: Discover Quadrunner?

Congrats on your approval and all of your other progress!


EQ: 795 | EX: 785 | TU: 783 | Accounts: 2/6 6/12 10/24
Happy practitioner of AZE6or7or8
Message 10 of 10
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