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Discover it $10,000

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Discover it $10,000

I have to say I am shocked.
I am in the midst of repairing my credit after falling on hard times and have been rejected for 3 other cards; Bank of America Cash Back, Citi Double Cash Card, and the Capitol One Savor One.

My last late payment was in November 2018,which is less than a year ago. The only thing I can think of is my gross income. I estimated 72,000/year. No idea how I got approved for so much but I am certainly not complaining.
Bank of America Secured Card $400 | Capital One QuickSilverOne $500 | Hot Topic Store Card $150 | HSN Store Card $750 | Discover It $10,000
Message 1 of 22
21 REPLIES 21
Moderator

Re: Discover it $10,000

Nice approval amount.. Congrats.  Income isn't it, my guess is you don't have alot of credit?   They tend to throw higher limits at people with lesser credit card aggregate limits than people with more or so many peoples theories are.

 

Regardless you scored a very nice SL and for that you should be happy and proud.  Congrats on your approval.

Message 2 of 22
Valued Contributor

Re: Discover it $10,000

YOU...REALLY...

awesome congratulations GIF by Slanted Studios

From 1 Rebuilder to another Rebuilder, CONGRATS @TheAwkIsReal on your Discover IT approval and the AWESOME SL - You are on your way NOW!!! Smiley Wink

 

Discover gave me a $10,000 SL in April 2018 when I only had one CC - a $300 OpenSky CL! Smiley Surprised

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $12.2K | Citi AAdvantage WEMC $12.5K | Discover $15.5K | OpenSky $300 BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) | BBVA Compass Rewards VS $10.5K |
Apple Card MC $6K | NFCU cashRewards $1K
TCL - $114K+ | Rebuilding since April 2018
Message 3 of 22
Community Leader
Super Contributor

Re: Discover it $10,000

Big congratsSmiley Happy My last Disco approval was for 1k so Apples to Apple? Smiley Happy
#ChaseCreditCardHobby Enthusiast
2022
!
Message 4 of 22
Established Member

Re: Discover it $10,000


@TheAwkIsReal wrote:
I have to say I am shocked.
I am in the midst of repairing my credit after falling on hard times and have been rejected for 3 other cards; Bank of America Cash Back, Citi Double Cash Card, and the Capitol One Savor One.

My last late payment was in November 2018,which is less than a year ago. The only thing I can think of is my gross income. I estimated 72,000/year. No idea how I got approved for so much but I am certainly not complaining.

As others have said, I think it has to do with your other cards.  I applied this week and got approved for around 3k, which is substantially lower than any of my other accounts with other issuers.  

 

Congrats on the approval, now you just have to wait 90 day to request a CLI and get even higher! Smiley Very Happy

American Express Business PlatinumAmerican Express Blue Cash PreferredAmerican Express SimplyCash PlusAmerican Express EveryDayUber VisaDiscover It Cash BackCapital One SavorCapital One QuicksilverChase Freedom UnlimitedDisney Premier VisaApple CardAmazon Prime VisaTD Cash VisaCommunity Credit Union Platinum Rewards VisaMortgage | 30yr Fixed 3.5%Auto | 60mo Fixed 2.9%Student Loans | Paid/Closed




Message 5 of 22
Senior Contributor

Re: Discover it $10,000

Congrats on very nice SL !!!!!

 

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 6 of 22
Community Leader
Super Contributor

Re: Discover it $10,000

Woo hoo, the return of Leo😎

Welcome back @Voltron🙋‍♂️
#ChaseCreditCardHobby Enthusiast
2022
!
Message 7 of 22
Senior Contributor

Re: Discover it $10,000

 


@AverageJoesCredit wrote:
Woo hoo, the return of Leo😎

Welcome back @Voltron🙋‍♂️

Thanks bud been busy with my business lately hehe

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 8 of 22
Established Contributor

Re: Discover it $10,000

Congrats on the Disco approval and awesome SL!




Message 9 of 22
Frequent Contributor

Re: Discover it $10,000

Discover doing what Discover does best - putting themselves ahead of the pack.

Congrats!!!
November 2019
Exp Fico 8 667
TU Fico 8. 674
Equifax Fico 8 684

Capital one QS. $600
Capital one QS1. $750
Credit One. $300 (soon to close)
Discover IT $10500
PNC cash rewards visa. $12500
Chase SW Visa. $6900


Negatives:
Paid Verizon cable bill DOFD Dec 2014
90 day late Navient Fed loan Feb 2015 x 2
90 dat late Navient Fed loan Apr 2018 x 2

Income varies: $60,000 - 80,000
Message 10 of 22
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