@AintYouADaisy wrote:@Anonymous wrote:I'm curious. What are your scores like? And do you know your utilization?
My scores (before the HP's) are/were: 725 EQ, 713 TU, and 706 EX.
My overall util is at 25%.
And dang it all, they pulled EQ. Everyone wants to pull EQ for me. I have so many inq's on there and ONE on my TU.
What is your total $ outstanding? How much of a balance are you carrying on each card?
Grats on your new card and welcome to the Discover family, you will be fine! 
@Anonymous wrote:
@AintYouADaisy wrote:@Anonymous wrote:I'm curious. What are your scores like? And do you know your utilization?
My scores (before the HP's) are/were: 725 EQ, 713 TU, and 706 EX.
My overall util is at 25%.
And dang it all, they pulled EQ. Everyone wants to pull EQ for me. I have so many inq's on there and ONE on my TU.
Yeah, those scores are good and your utilization is nothing crazy? Something tells me that I will not be app'ing for the Discover anytime soon with those terms?
I must admit, I was wondering if you were just that person that was whining and had a bunch of baddies? But, early 700s and 25% utilization doesn't seem to warrant 23% interest rate.
Good luck on your approvals though.
@Anonymous wrote:
@AintYouADaisy wrote:@Anonymous wrote:I'm curious. What are your scores like? And do you know your utilization?
My scores (before the HP's) are/were: 725 EQ, 713 TU, and 706 EX.
My overall util is at 25%.
And dang it all, they pulled EQ. Everyone wants to pull EQ for me. I have so many inq's on there and ONE on my TU.
Yeah, those scores are good and your utilization is nothing crazy? Something tells me that I will not be app'ing for the Discover anytime soon with those terms?
I must admit, I was wondering if you were just that person that was whining and had a bunch of baddies? But, early 700s and 25% utilization doesn't seem to warrant 23% interest rate.
Good luck on your approvals though.
Cap One gave me 23% on the QS card and I had ~750 scores and 3% util. It's SD, not because of the interest rate, but because I have better cards
@AintYouADaisy wrote:Ok, so I waited and waited for my 181 day Amex CLI and got it (yay!). Then I got loopy and app'd for the Amex BCP, got it (yay!) Those were the two biggies on my list I'd waited for today for. I had hemmed and hawed about maybe app'ing for the Discover it, but eventually decided against it because I'm trying to be careful to not get too greedy or whatever. But then I must have still been loopy from all the Amex love that I did it. I pulled the trigger on Discover. I got approved, $4500 limit, but I'm feeling remorseful, like I should have just left well enough alone.
I know it's supposed to be exciting, but I'm wishing I could take it back now. (Thinking about another HP and the limit is "ok" but the APR is insane after the 0% runs out and boy, you'd better believe I'll either fight that tooth and nail or I won't touch that card after that point. They're out of their minds)
Does anyone else ever go through this or do I just need to stop whining and go to bed?
EDIT: Ooops, shoot. I guess I need to stop whining and go to bed, I just saw I put this in the wrong thread/category! I'm sorry! Geez, shoulda went to bed early!
Yes, especially when terms aren't very good.. But it's still a good card that several swear by with rotating categories and shop discover! Congrats, just make sure to PIF monthly and the CL/terms won't matter.
@TheGardner wrote:Yes, especially when terms aren't very good.. But it's still a good card that several swear by with rotating categories and shop discover! Congrats, just make sure to PIF monthly and the CL/terms won't matter.
Very true. I've heard so many good things about it, which is what made me consider it to begin with. I don't like app'ing for no reason, and only consider cards I think would be of value to me, much like what scorewatcher7 said. In fact, I didn't bother adding any new cards for a long time, so really I should have a grove of trees from gardening!! (Hmmm.... maybe there is lumber value there now!) 
I guess the past year has been my most active in the credit card industry, also a contributing factor to my scores not being better.
congrats!!
