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Finally riding the Disco train!... WOW!

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sid33
Regular Contributor

Finally riding the Disco train!... WOW!

I have been wanting a Discover card for a whlie, but we've been in the process of building/buying a home. We finally closed on our home 3/28. On 3/31 I hit the apply button and gave them my info. They wanted me to upload docs to prove my new address, but I only had my closing docs. I call the next day and spoke with a rep. He had me verify some info and told me it will be a few day for them to verify stuff on my CR. On 4/2 I recieve a call form a Discover rep to verify more info. At the end of the call he said " Congratulations, you've been approved and your SL is $12K."   I about fell out of my chair.   I figured maybe a sl of $2k, but $12K!   WOW!

 

EXP 8 - 679

Income -122K

UTI - 30%

DTI - 38%(with new mortgage)

Inq - 3 in the last 6 months

A couple old baddies on my Exp report.

Highest non-cu account - Amex $2k, and CareCredit $12K

 

Message 1 of 16
15 REPLIES 15
KingPredator
Regular Contributor

Re: Finally riding the Disco train!... WOW!

Congrats on the new card. I love mine.
Message 2 of 16
pinkandgrey
Senior Contributor

Re: Finally riding the Disco train!... WOW!

Wow! 12k! Congrats! You’ll be glad you got it and it will grow

Discover It: 21.5k
Amex Cash Magnet: 18k
Fidelity Visa: 16.5k
Apple Card: 4.25k
Message 3 of 16
Anonymous
Not applicable

Re: Finally riding the Disco train!... WOW!

12k is an awesome SL from the Disco machine. Congratulations on joining the club!!

 

Love it and it will love you! Cheers!

Message 4 of 16
Anonymous
Not applicable

Re: Finally riding the Disco train!... WOW!

Congrats on your approval and massive Sl !!!!

 

 

 

 

Message 5 of 16
SouthJamaica
Mega Contributor

Re: Finally riding the Disco train!... WOW!


@sid33 wrote:

I have been wanting a Discover card for a whlie, but we've been in the process of building/buying a home. We finally closed on our home 3/28. On 3/31 I hit the apply button and gave them my info. They wanted me to upload docs to prove my new address, but I only had my closing docs. I call the next day and spoke with a rep. He had me verify some info and told me it will be a few day for them to verify stuff on my CR. On 4/2 I recieve a call form a Discover rep to verify more info. At the end of the call he said " Congratulations, you've been approved and your SL is $12K."   I about fell out of my chair.   I figured maybe a sl of $2k, but $12K!   WOW!

 

EXP 8 - 679

Income -122K

UTI - 30%

DTI - 38%(with new mortgage)

Inq - 3 in the last 6 months

A couple old baddies on my Exp report.

Highest non-cu account - Amex $2k, and CareCredit $12K

 


Wow my Discover account is 4 years old and I'm at $9800.


Total revolving limits 710800 (590300 reporting) FICO 8: EQ 712 TU 710 EX 710

Message 6 of 16
CreditInspired
Community Leader
Super Contributor

Re: Finally riding the Disco train!... WOW!


@sid33 wrote:

I have been wanting a Discover card for a whlie, but we've been in the process of building/buying a home. We finally closed on our home 3/28. On 3/31 I hit the apply button and gave them my info. They wanted me to upload docs to prove my new address, but I only had my closing docs. I call the next day and spoke with a rep. He had me verify some info and told me it will be a few day for them to verify stuff on my CR. On 4/2 I recieve a call form a Discover rep to verify more info. At the end of the call he said " Congratulations, you've been approved and your SL is $12K."   I about fell out of my chair.   I figured maybe a sl of $2k, but $12K!   WOW!

 

EXP 8 - 679

Income -122K

UTI - 30%

DTI - 38%(with new mortgage)

Inq - 3 in the last 6 months

A couple old baddies on my Exp report.

Highest non-cu account - Amex $2k, and CareCredit $12K

 


That is a huge SL. Congratulations on approval and your new home. 


|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $24.2K || NFCU CLOC $15K || NFCU Platinum $15K || CitiCostco $12.7K || Chase FU $12.7K || Apple Card $7K || BOA CashRewards $6K
Message 7 of 16
Anonymous
Not applicable

Re: Finally riding the Disco train!... WOW!

Awesome SL, congrats.
Message 8 of 16
Anonymous
Not applicable

Re: Finally riding the Disco train!... WOW!

Congrats on joining the Disco club! And man what a great SL with them!! Enjoy your card and the rewards that come along with it!

Message 9 of 16
xaximus
Valued Contributor

Re: Finally riding the Disco train!... WOW!

Congrats on the approval! Disco is known for being thin file friendly and likes to be a daily driver (not all the time but often).


Scores - All bureaus 770 +
TCL - Est. $410K
Message 10 of 16
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