Let me preface my post with a little background info: I am 25 years-old, a recent college graduate, and working in the real-world. Although this is my first registered post on the myFICO forums, I have lurked around on here for about 3 years. Historically, I have taken building my credit very slowly, starting with student loans, then an auto loan, and most recently, a couple credit cards. That being said, I am very thankful for the good support, advice and information that the users provide on this site as it has undoubtedly helped me on the road to building good credit.
I have two credit cards in my history. The first of which is a KU Alumni Association Visa through my local bank ($1500 CL) that I've had for about 4 years, as well as my Walmart store card ($1100 CL) which I've carried for around 2 years. Always carred small to medium balances, at times, but never missed a single payment and always pay on time. I've always been fairly timid when applying for new cards to limit my INQ, but this morning, my mind was blown!!
Last evening, I decided to take my chances and apply for a Discover it card. I got all the way through the process and had to submit further documentation to prove my address. I thought I was going to receive a denial soon after! I received a call from a friendly Discover rep this morning to further verify information on my CR and then surprisingly, she informed me I was approved with an initial CL of $6000!! Card is on the way in the mail and I couldn't be happier! Wow! 
**Edit: I meant to post this in the CC Approvals Subforum, so if a mod could please move it, I'd appreciate it! Thanks!**
@Anonymous wrote:Let me preface my post with a little background info: I am 25 years-old, a recent college graduate, and working in the real-world. Although this is my first registered post on the myFICO forums, I have lurked around on here for about 3 years. Historically, I have taken building my credit very slowly, starting with student loans, then an auto loan, and most recently, a couple credit cards. That being said, I am very thankful for the good support, advice and information that the users provide on this site as it has undoubtedly helped me on the road to building good credit.
I have two credit cards in my history. The first of which is a KU Alumni Association Visa through my local bank ($1500 CL) that I've had for about 4 years, as well as my Walmart store card ($1100 CL) which I've carried for around 2 years. Always carred small to medium balances, at times, but never missed a single payment and always pay on time. I've always been fairly timid when applying for new cards to limit my INQ, but this morning, my mind was blown!!
Last evening, I decided to take my chances and apply for a Discover it card. I got all the way through the process and had to submit further documentation to prove my address. I thought I was going to receive a denial soon after! I received a call from a friendly Discover rep this morning to further verify information on my CR and then surprisingly, she informed me I was approved with an initial CL of $6000!! Card is on the way in the mail and I couldn't be happier! Wow!
Congrats
I love my discover card and I am sure you will to!
Discover while hasn't given me a CLI Their website is clean and easy to use and for me that is a major plus for me. Also very helpful CSR's that i have met so far
Congrats! Welcome to the forum and thanks for sharing.
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Congratulations! Welcome to the forum....I too lurked around for a couple years before joining as an active member. This is a great and supportive community.
Also, welcome to the Discover family. You're going to love the card. Don't forget to log into your account an sign up for this quarter's 5% bonus (Starting July 1 its for gas - LOVE that category...everyone uses gas).
Capital One Venture: $30,000; Capital One Quicksilver: $10,000; PNC CashBuilder: $15,000; Chase Marriott Rewards: $10,000; Citi Double Cash: $9,400; Barclay Arrival World MasterCard: $11,150; USF FCU Rewards Visa Signature: $10,500; Suncoast CU Visa: $3,000; Discover It: $3,500; Nordstrom: $2,000; Kohl's: $2,500; Target: $600; Lowes: $6,900; Sams Club: $3,850; Evine: $3,000; HSN: $1,800; Paypal Credit: $4,350; Amazon Store: $5,400 --- EX: 726; EQ: 726; TU: 741
Congratulations!
Starting Score: 639 (Walmart TU)
@Anonymous wrote:Let me preface my post with a little background info: I am 25 years-old, a recent college graduate, and working in the real-world. Although this is my first registered post on the myFICO forums, I have lurked around on here for about 3 years. Historically, I have taken building my credit very slowly, starting with student loans, then an auto loan, and most recently, a couple credit cards. That being said, I am very thankful for the good support, advice and information that the users provide on this site as it has undoubtedly helped me on the road to building good credit.
I have two credit cards in my history. The first of which is a KU Alumni Association Visa through my local bank ($1500 CL) that I've had for about 4 years, as well as my Walmart store card ($1100 CL) which I've carried for around 2 years. Always carred small to medium balances, at times, but never missed a single payment and always pay on time. I've always been fairly timid when applying for new cards to limit my INQ, but this morning, my mind was blown!!
Last evening, I decided to take my chances and apply for a Discover it card. I got all the way through the process and had to submit further documentation to prove my address. I thought I was going to receive a denial soon after! I received a call from a friendly Discover rep this morning to further verify information on my CR and then surprisingly, she informed me I was approved with an initial CL of $6000!! Card is on the way in the mail and I couldn't be happier! Wow!
**Edit: I meant to post this in the CC Approvals Subforum, so if a mod could please move it, I'd appreciate it! Thanks!**
Congrats!!!!! The best thing about the card, is you get free TU FICO score. Auto-pay a bill on that puppy & then pay Discover on auto-pay, thru your bank. That way you'll get your score every month and see how you're progressing, without needing to buy anything extra.
congrats
Grats & welcome to the Discover family OP
