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

dtk6802
Established Contributor

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

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?

 

Starting score(February 2018)-520Current Score: FICO 8- 748EX, 768TU, 770EQ, Goal Score: 780 by (05/2020)
BUISNESS CREDIT
Citi AAdvantage p.s. 11,000 SL

Amex Hilton-3000
Amex SimplyCash Plus® -1300-
Amex Blue Business Plus Card - 10,000.
Amex green charge card- NPSL

inquiries scoreless. Ex, Tu, Eq=1,1,1
TOTAL PERSONAL CL 100,000+
Amex Green
BJs perks World Mastercard-14,000
HILTON HONORS-2000
Cap1 Venture(Downgraded to V1)-VS-5,500
Sams Club MC 20000
Citi® - AAdvantage® Platinum Select® WEMC-10,500CL, Citi Premier(WMC)(upgraded from rewards+)9750
1st Disco It- 4200 , 2nd Disco it- 5500CL
Dcu-3000-
12/18 Amazon SC- 10,000 cl AND-Walmart SC-7500cl, Home depot- 2000cl-
- Auto loan(80% paid off)
Goal score 800


Message 1 of 12
11 REPLIES 11
FinStar
Moderator

Re: Discover cards combined cli... When can I get pre qualified

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.

Message 2 of 12
Hex
Established Contributor

Re: Discover cards combined cli... When can I get pre qualified

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. 

Message 3 of 12
dtk6802
Established Contributor

Re: Discover cards combined cli... When can I get pre qualified

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

Ty
Starting score(February 2018)-520Current Score: FICO 8- 748EX, 768TU, 770EQ, Goal Score: 780 by (05/2020)
BUISNESS CREDIT
Citi AAdvantage p.s. 11,000 SL

Amex Hilton-3000
Amex SimplyCash Plus® -1300-
Amex Blue Business Plus Card - 10,000.
Amex green charge card- NPSL

inquiries scoreless. Ex, Tu, Eq=1,1,1
TOTAL PERSONAL CL 100,000+
Amex Green
BJs perks World Mastercard-14,000
HILTON HONORS-2000
Cap1 Venture(Downgraded to V1)-VS-5,500
Sams Club MC 20000
Citi® - AAdvantage® Platinum Select® WEMC-10,500CL, Citi Premier(WMC)(upgraded from rewards+)9750
1st Disco It- 4200 , 2nd Disco it- 5500CL
Dcu-3000-
12/18 Amazon SC- 10,000 cl AND-Walmart SC-7500cl, Home depot- 2000cl-
- Auto loan(80% paid off)
Goal score 800


Message 4 of 12
dtk6802
Established Contributor

Discover approved after closing 2nd card

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!

Starting score(February 2018)-520Current Score: FICO 8- 748EX, 768TU, 770EQ, Goal Score: 780 by (05/2020)
BUISNESS CREDIT
Citi AAdvantage p.s. 11,000 SL

Amex Hilton-3000
Amex SimplyCash Plus® -1300-
Amex Blue Business Plus Card - 10,000.
Amex green charge card- NPSL

inquiries scoreless. Ex, Tu, Eq=1,1,1
TOTAL PERSONAL CL 100,000+
Amex Green
BJs perks World Mastercard-14,000
HILTON HONORS-2000
Cap1 Venture(Downgraded to V1)-VS-5,500
Sams Club MC 20000
Citi® - AAdvantage® Platinum Select® WEMC-10,500CL, Citi Premier(WMC)(upgraded from rewards+)9750
1st Disco It- 4200 , 2nd Disco it- 5500CL
Dcu-3000-
12/18 Amazon SC- 10,000 cl AND-Walmart SC-7500cl, Home depot- 2000cl-
- Auto loan(80% paid off)
Goal score 800


Message 5 of 12
Credit4Growth
Valued Contributor

Re: Discover approved after closing 2nd card


@dtk6802 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!


@dtk6802 

...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.

Current as of February 21st
TCL $126.6 - 2.#%UTL || - SL Balance $20.6K
FICO 08 EQ723, TU725, EX725 || Mortgage Scores: EQ 724, Tu 694, EX 726

PSECU || CHASE || NAVYFED || DISCOVER ||

Restarted my rebuild in April 2018

Gardening until Emerald Spade - Accomplished. 1st App on the list is AODFCU, next is TBD
Last apps: (2) August 18, 2019. Instant approvals but one account opened on the 19th
Inquiries: EQ/TU/EX (0 / 3 / 1) - 0/6 0/12 4/24 (based on DPs; 5/24, an AU from 8/16/2019) IHG
Dirty/Thick/Aged/ No New Acoounts


Message 6 of 12
AllZero
Super Contributor

Re: Discover approved after closing 2nd card

Congratulations on your approval!
Message 7 of 12
M_Smart007
Epic Contributor

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

Congratulations!

popcorn eating emoticon.gif
Message 8 of 12
JoeLuvsHisCredit
Valued Contributor

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

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Message 9 of 12
CreditAggie
Valued Contributor

Re: Discover approved after closing 2nd card

Congratulations on your Discover approval!

Current Cards (in order of approval):


Current FICO 8:

Credit Age:

Inquiries (24 month):

Goal Cards:



Currently: 0/6, 0/12, 3/24
Message 10 of 12
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