First Post, Just approved for a Discover at 5k

[gdale6]

Grats on your 2nd Disco approval and welcome to the board

[KingRue8500]

Congrats on your Discover approval

[Jordan23ww]

Congratulations on your approval! 

[CerebralZulu]

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@Anonymous wrote:

Thank you! 

They said they would do a hard pull for the CLI, but why not? 

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Please forgive me, but what is SP? 

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@Anonymous wrote:

Thank you! 

They said they would do a hard pull for the CLI, but why not? 

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Please forgive me, but what is SP? 

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SP is soft pull. Doesn't affect your credit.

[mrcraft]

Congratulations on your approval!!

[Anonymous]

Thanks @mrcraft . It may seem small, but it's huge in my rebuilding. 

i know i need more than 2 cards, but it's a decent start I believe. 

[uscgamecock]

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These are my only two cards. I am an AU on a Sears MC from 1987 (my dad), but it only shows on Experian. 

What is my next level in a credit card? 

I just bought a home, so my mortgage debt is 350,000 and my salary is 150k. I am rebuilding from a tumble. 

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Do you have any family with a military connection that can get your foot in the door with Navy Federal Credit Union? Start out slow with checking and savings and see if you're pre-approved for anything using their credit card pre-approval link. Build a relationship with them. Treat them good and they will treat you right. Also try the BB&T pre-approval link if you're in an area serviced by BB&T or Suntrust. (They are merging soon.)

[Anonymous]

Wow, @uscgamecock ....

I believe i have an account there (if it's still open), if not- my father is a veteran. Great idea!

[JNA1]

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@Anonymous wrote:

@ jna1 , your CC journey is amazing!

I travel often (pre-pandemic) and I am now renovating a home. Those are my 2 major spends. i use discover for gas and groceries. 

It appears I'm not AMEX delta ready. Looking forward to your suggestions. 

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A travel card with lots of flights or (chain) hotel stays really isn't my forte - but there are a lot of guys here that are. If you are renovating a home and you frequently use Lowe's, they have a card that gives you a 5% discount on purchases. It's also a card that is known to grow to very large credit lines quickly. My Mom has one that grew from $300 to $15K in less than a year. 

On the CLI on your first Disco, you can request a CLI on the app or online banking portal and it is a soft pull. 

[uscgamecock]

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@Anonymous wrote:

Wow, @uscgamecock ....

I believe i have an account there (if it's still open), if not- my father is a veteran. Great idea!

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 If you have a NFCU account, you have struck gold my friend. At one time I had let my account go dormant for a couple of years, and upon asking they re-opened the account under the same account number and everything. I just had to prove that I still qualified for membership. If that doesn't work get back in through your father and start building a relationship with them. It will definitely be worth your while.