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Double WHAMMY AMEX BCE and Discover IT Approval!!!!

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Double WHAMMY AMEX BCE and Discover IT Approval!!!!

Hey there,

What a difference two months makes. I tried to get preapproved with Discover back in February and they would only give me secured It, I knew not to even bother with AMEX because my scores weren't up to par.

 

Current Scores: Fico Ex-633....more about EX later...,EQ640, TU647

 

So anyway, now that I've seen a bump in my scores, I played around for the last couple of days on AMEX and Discover It pre-approval sites. I struggled with pulling the trigger because I just hate the thought of getting denied. I HATE it, but its a necessary evil.

App'd for Discover It....I was nervous and breathing shallowly because I just knew I'd get the "5-7 days".......APPROVED $500

Then, I decided to try my luck with AMEX BCE, I've always viewed them as the epitome of creditworthiness....APPROVED $1000

 

SL are not the best, but I'm grateful to have even a tiny, teeny, baby toe in the door. I have come a long way in a short period of time, I still have a ways to go.

Interesting fact, today I received an alert from Experian that there was a change in my report. I never bothered to really look at it until just now only because I assumed it was the inquiries from today's mini app spree. Anyway, when I checked it, I saw that my Experian score jumped from 633 to 677! 44 pts! I'm shocked! My last collection account had been removed, I'm so happy and excited. I do see the HP from AMEX, but its unclear if they approved me with the 633 or the 677.

 

I have heard very good things about Discover, and I'm excited to watch my card grow. So, I guess I'm officially gardening now guys! I'm hoping with these new additions, that I will hit the 700's soon : )

Start:2/1/2018 FICO EX595,TU608,EQ594
Current: FICO 4/29/18 EX672,TU676,EQ664
GOAL: 700's across the board!
CapOne Plat $1000
Discover IT $500
AMEX BCE $1000
AMEX Delta Blue Sky Miles $1000
PNC Rewards $1000
Old Navy $1000
TJ Maxx$200

Message 1 of 13
12 REPLIES 12
Community Leader
Mega Contributor

Re: Double WHAMMY AMEX BCE and Discover IT Approval!!!!

Congrats. Now that you have those shiny new cards, it may be time to start thinking about getting rid of credit one card.
Just kill it with fire.
EX 759 EQ 774 TU 753


Message 2 of 13
Frequent Contributor

Re: Double WHAMMY AMEX BCE and Discover IT Approval!!!!

Well done😁 Pat yourself on the back!!



Current Scores 10/11/2019
TU 724 Inq 20, EX 699 Inq 15, EQ 743 Inq 8 -- UTL 4% FICO 9 757
[Previous] 10/05/2018
EQ F8 [696] 5 Inqs, EX F8 [666] 14 Inqs,
TU Fico 8 [702] 18 Inqs.
Gardening since 11/08/2018.
EQ-Fico 8 [699] EX-Fico 8 [639] TU-Fico 8[652]
UTI 14% NFCU Flagship $6K, Care Credit $20K, TFCU Platinum Visa $20K, DCU Rewards Visa 10K, USAA Platinum Visa 6K, Costco Visa $7.5K, NFCU AMEX $15K, Citi Rewards+ $16,800, Wells Fargo Cash Wise 9.5K, Barclays AAdvantage MC $2K, NFCU GoRewards 10K, Home Depot Commercial $1k, Best Buy Visa $15k, ExxonCard $1500, PenFed Visa Sig $10k, NFCU CLOC $10K, Boscov's $13.3K, Overstock $12.5k, Sportmans $3900, Amex Cash Magnet $1500, Amex Bonvoy 2K, BarClay Arrival $2k, DiscoverIT $16k, AmazonCard $6000, PayPal MC 8K, Mercury MC $5.5K, CapOne Silver $16.5K, Lowes Credit $25K, Wal-Mart Store Card $9K, Wayfair $14.4K
Message 3 of 13
Contributor

Re: Double WHAMMY AMEX BCE and Discover IT Approval!!!!

You read my MIND! Only thing is, I might keep them around because they are my oldest cc ( plus they took a chance on me back when I started rebuilding from the low 500's).

But trust me, they are on the chopping block!

Start:2/1/2018 FICO EX595,TU608,EQ594
Current: FICO 4/29/18 EX672,TU676,EQ664
GOAL: 700's across the board!
CapOne Plat $1000
Discover IT $500
AMEX BCE $1000
AMEX Delta Blue Sky Miles $1000
PNC Rewards $1000
Old Navy $1000
TJ Maxx$200

Message 4 of 13
Community Leader
Mega Contributor

Re: Double WHAMMY AMEX BCE and Discover IT Approval!!!!

That card will count aging wise for up to 10 years after closing. By the time it drops off, your other cards will be aged. No reason to pay any more fees.
They did not take a "chance". You paid them in fees, interest etc. Credit one profited off of you.
They made a business decision and you should do the same. Save your valet and kill it! (With fire)
EX 759 EQ 774 TU 753


Message 5 of 13
Community Leader
Super Contributor

Re: Double WHAMMY AMEX BCE and Discover IT Approval!!!!

Congrats CongratsSmiley Happy Remedios is spot on. Credit One should be no ones Capitol OneSmiley Wink. Now there is a c that takes chances and gives people who need credit a chance. Day and night meet black and whiteSmiley Wink
#ChaseCreditCardHobby Enthusiast
2022
!
Message 6 of 13
Senior Contributor

Re: Double WHAMMY AMEX BCE and Discover IT Approval!!!!

Congrats on both approvals

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 7 of 13
Frequent Contributor

Re: Double WHAMMY AMEX BCE and Discover IT Approval!!!!

Im willing to bet they used ur older score as most of them are usually a month or two behind including disco and amex. Bet your SL would have been higher with that score but look at it this way. After the 61 days with that big boost in your score I bet they will approve the 3x CLI. And it will grow from there. And hopefully between now and them your score climbs a few points more .Let us know when you get the letter in the mail as to what score they used if you dont mind. Thanks .And congrats! 

Fico 08 TU 680 EQ 682 EX 680 (4/05/18)
Fico 08 TU 668 EQ 656 EX 671 (1/13/18)
FICO 08 TU 533 EQ 512 EX 522 (2/6/17)
1 collection charge off paid April '17 ($500 GTE FCU) went over 120+ days late on it account closed. PIF to CA

NFCU Cash Rewards-$2800 (1/13/18), USAA Classic Platinum Visa-$1000 (1/13/18), Discover IT-$10,000! (1/13/18), AMEX BCE-$1000 (1/13/18), AMEX Blue Delta SkyMiles-$1000 (1/13/18), Care Credit-$7500(1/13/18), Cap1 Platinum Preferred-$1500 (1/15/18), Wal-Mart $5000 as of Nov '17 (SL $200 July '17), Dillards $1000 July '17, Several rebuilder cards closed not listed
Message 8 of 13
Frequent Contributor

Re: Double WHAMMY AMEX BCE and Discover IT Approval!!!!


@Remedios wrote:
That card will count aging wise for up to 10 years after closing. By the time it drops off, your other cards will be aged. No reason to pay any more fees.
They did not take a "chance". You paid them in fees, interest etc. Credit one profited off of you.
They made a business decision and you should do the same. Save your valet and kill it! (With fire)

+1 this statement x10. I chopped them as soon as I got my prime cards a few months ago .They will beg and beg you to stay and offer you credits and higher limits etc .Don't do it .Not worth it .Get rid of them asap. 

Fico 08 TU 680 EQ 682 EX 680 (4/05/18)
Fico 08 TU 668 EQ 656 EX 671 (1/13/18)
FICO 08 TU 533 EQ 512 EX 522 (2/6/17)
1 collection charge off paid April '17 ($500 GTE FCU) went over 120+ days late on it account closed. PIF to CA

NFCU Cash Rewards-$2800 (1/13/18), USAA Classic Platinum Visa-$1000 (1/13/18), Discover IT-$10,000! (1/13/18), AMEX BCE-$1000 (1/13/18), AMEX Blue Delta SkyMiles-$1000 (1/13/18), Care Credit-$7500(1/13/18), Cap1 Platinum Preferred-$1500 (1/15/18), Wal-Mart $5000 as of Nov '17 (SL $200 July '17), Dillards $1000 July '17, Several rebuilder cards closed not listed
Message 9 of 13
Community Leader
Senior Contributor

Re: Double WHAMMY AMEX BCE and Discover IT Approval!!!!

Every time someone closes a Credit One account a credit angel gets their wings.....

Dont sweat the slight blip from the age.. Just get rid of it.... (but keep a copy of the account number to ASSURE its closed)....

You have moved on to greener pastures...

 

-J

 

Message 10 of 13
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