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Double approvals w/ surprises - Disco/Apple Card

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Double approvals w/ surprises - Disco/Apple Card

First real post here guys and gals but I've been lurking since about April of this year. So I was recently approved for Discover Cash Back and Apple Card and want to share some interesting DPs with you.

 

I'm about 1 year into my rebuild due to living in Asia for 11 years. I didnt have any cards here in the States while I was over there so was pretty much starting over minus having one AU account and one collection from 2013 (which I have no knowledge of TBH, but it's so close to falling off that I'm not going to bother fighting it). I guess thanks to the AU account, scores were hovering around 650 as of one year ago when I returned.

 

Here are some notes on the approvals:

 

Discover: Wouldn't touch me with a 10-ft pole thru most of this year. I tried pre-qual 3 to 4 times over the span of 9 months. They wouldn't even give me a secured card. Then on Nov. 4th, pre-qualified and approved. SL: 10k @ 24.49%. Pulled EX w/ 684. What??

 

Apple Card: Previously denied for too many new accounts (shocking -- see below) and I was fine with that... but a bit jealous that my Korean wife with only 6 months worth of credit history in her name got 5k from them. Since I somehow crossed a threshold with Disco, I figured I'd try again with Apple on 11/4. Offered a SL of $750 at 23.xx%. Said no thanks.

 

Then, a few days later I got an EE from Transunion on the collection and my Fico 8 TU score jumped about 74 points -- 674 to 748. I'd read multiple times here that your previous offer from Apple/GS was good for 30 days and you would have to try again after that for a new offer. I think I got lucky. This was right when all the bad press was coming out on GS so I hoped maybe they'd refresh the clock for everyone. Tried again with my new TU score on Nov. 13. SL: 6.5k @ 17.74%. 

 

11/2019: EX: 688 TU: 748 EQ: 683

Income: 54k

Inqs last 12 months: EX: 30+ thanks to car loan apps; TU: 21; EQ: 16

         last 6 months: EX: 11; TU: 10; EQ: 4

 

Cards: 

US BANK Skypass Secured (10/18) -- $300  <closed>

Cap1 Platinum MC Secured (11/18) -- $300 <closed>

Cap1 QS1 (02/19) -- $500

Amex Green (05/19) -- NPSL

Target (05/19) -- $300

Walmart MC (05/19) -- $1200

Petal Card (06/19) -- $3500

Sam's Club MC (06/19) -- $1500

Citi AAdvantage Mile-Up (09/19) -- $3500

Amex Skymiles Gold (09/19) -- $1000

Amex HH Surpass (10/19) -- $1000

Discover it CB (11/19) -- $10,000

Apple Card (11/19) -- $6500

---------

Lots of cards in a short span, I know. I wanted to get them all over and done with so I could let them age together. Anyway, shocked with Disco's 10k limit considering # of accts/inqs and others' luck with 1st card for Disco. I think I got lucky on so much in a short amount of time, but wanted to share for those who are interested or are also newly-replanted in the USA. I'm going to bury myself in the garden now with a big long straw.

 

Thanks for reading!

 






6 REPLIES 6
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Established Contributor

Re: Double approvals w/ surprises - Disco/Apple Card

Congrats on the approvals and a nice mix of cards!

Message 2 of 7
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Senior Contributor

Re: Double approvals w/ surprises - Disco/Apple Card

Congratulations on your approvals!
Message 3 of 7
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Super Contributor

Re: Double approvals w/ surprises - Disco/Apple Card

 

Congrats!

 

Message 4 of 7
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Established Contributor

Re: Double approvals w/ surprises - Disco/Apple Card

Congratulations!
February 2020
Experian Fico 8. 683
Transunion Fico 8. 697
Equifax Fico 8. 711

Capital one QS. $600
Credit one. $300. (Soon to close )
Capital one QS1. $2250
Discover IT Cashback. $11,500
PNC cash rewards signature Visa. $12,500
Chase SW rapid rewards signature visa $6900

All cards opened between Oct 2018. - Nov 2019

Message 5 of 7
Community Leader
Valued Contributor

Re: Double approvals w/ surprises - Disco/Apple Card

Great approvals! Congrats! 

Discover It: 19.7k
Amex BCE: 18k
Citi DC: 5.7k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 6 of 7
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Super Contributor

Re: Double approvals w/ surprises - Disco/Apple Card

Congrats x 2 !!




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>01/2020 CCT EX 832 TU 848 EQ 842
It's just a jump to the left
And then a step to the right
Put your hands on your hips
You bring your knees in tight
But it's the pelvic thrust that really drives you insane
Let's do the Time Warp again!
Let's do the Time Warp again!

Message 7 of 7
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