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So I finally decided to close my newest card, move the credit limit, and accept a small 300$ cli on oldest card.
I now have one card with 10k cl.
Opened May 2018(2nd Opened May 2019).
I recently was approved for 1 personal and one biz credit card after gardening for a while.
I like the discover card as a gardening card. So my question is when can I check pre approval? I tried immediately after getting off the phone closing the account but I think I jumped the gun.
Any experience?
Yup, premature request.
I would let the systems cycle for 30+ days since (a) you just received a CLI, and (b) the 2nd Discover account has been closed with a CL reallocation.
When I did it last year I had a prequal within a few hours. I officially applied and I was approved for a new card the same day I had combined my limits and closed one of my two disco cards.
So last week I finally decided to combine limits and close my newer discover card.
Immediately checked pre approval and had no luck.
Today I checked and was pre approved!
22% apr after 14 months 0%
It showed 2000 as my SL hopefully its temporary but no big deal even though my lowest card is 5000 credit limit.
1 inquiry scorable
Pulled experian (765 fico 8)
8% utilization
Aaoa 2.8
Aooa 3.8
Since I'm looking to get a house in about two years this will be it for applications for me. After I hit the spend on my citi business aa card ill be using this card a ton.
Discover spoils you with 10% first tear, i didn't look at the card the same once it was only 5% lol.
I have a feeling it being the first of the month helped w the pre approval.
Need anymore DPs lmk!
@Anonymous wrote:So last week I finally decided to combine limits and close my newer discover card.
Immediately checked pre approval and had no luck.
Today I checked and was pre approved!
22% apr after 14 months 0%
It showed 2000 as my SL hopefully its temporary but no big deal even though my lowest card is 5000 credit limit.
1 inquiry scorable
Pulled experian (765 fico 8)
8% utilization
Aaoa 2.8
Aooa 3.8
Since I'm looking to get a house in about two years this will be it for applications for me. After I hit the spend on my citi business aa card ill be using this card a ton.
Discover spoils you with 10% first tear, i didn't look at the card the same once it was only 5% lol.
I have a feeling it being the first of the month helped w the pre approval.
Need anymore DPs lmk!
@Anonymous
...And there it is!
Congratulations on the approval!
Also good luck with house hunting in the future. I am looking forward to reading about your mortgage approval.
Congratulations!
Congratulations on your Discover approval!