Discover cards combined cli... When can I get pre qualified - Update: Approved!

[Anonymous]

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?

[FinStar]

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.

[Hex]

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. 

[Anonymous]

I thought I was pre mature. Hopefully I'll try in 30 days with some luck. No rush

Ty

[Anonymous]

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!

[Credit4Growth]

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@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.

[AllZero]

Congratulations on your approval!

[M_Smart007]

Congratulations!

[JoeLuvsHisCredit]

[CreditAggie]

Congratulations on your Discover approval!