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First Unsecured Credit Card Approval!!

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Anonymous
Not applicable

First Unsecured Credit Card Approval!!

Hey, guys. I just signed up with myfico but I've been lurking in the forum for well over a year now. I had been gardening for awhile now when I decided the other day to check and see if I was preapproved for any credit cards. I ended up being preapproved for the Discover IT for students card. At first I doubted whether being preapproved really meant preapproved and so I came back here and looked up what others on this site had to say about Discover preapprovals (I don't make a credit move without first checking this website, lol). The general consensis was that it was pretty much 50-50 whether I would be approved or not. With that in mind, I decided to go for it even though I was denied for the same card last summer. I guess you can say my app finger was really itchy, lol. So I submitted my application and in moments I got a "Congratulations, you're approved" message. I literally started crying I was so happy. Every other credit card before this, even store cards, have denied me any type of unsecured credit. It is so nice to finally have some sort of confirmation that I'm doing the right things to build my credit. So, I just wanted to take the time to thank the posters in myfico for giving me such good advice. Hopefully, there'll be future approval posts from me as my credit continues to improve Smiley Happy.

Message 1 of 17
16 REPLIES 16
ChargeItPlease
Regular Contributor

Re: First Unsecured Credit Card Approval!!

Welcome, and congrats! First unsecured card is an exciting milestone. Keep up the good work.

 

ETA: Check your signature. Looks like a typo problem. Smiley Embarassed


Starting Score: 400s (2011) Current: EQ 655 (01-2014) Goal: 700 Last app: 01-01-14. No apps 'til 12-2014!
Message 2 of 17
ExplicitElicit
Established Contributor

Re: First Unsecured Credit Card Approval!!

Congrats!! 

Message 3 of 17
One7
Valued Contributor

Re: First Unsecured Credit Card Approval!!

Awesome!!! It's only the beginning,  promise. Keep up the good work

EX 810 EQ 805 TU 792 Diners WEMC 15k Chase United Club VS 15k | Hyatt VS 25k | Ritz VI 5k | Frdm VS 6k | CSP VS 5k | Mariott VS 6k | Amzn VS 16k Citi ExecAA WEMC 18k | TYP VS 7k | Costco VS 9k | Hilton Reserve VS 6k | Best Buy Visa 5k BofA Travel VS 30k | Cash VS 41k | Merrill+ VS 46k Barclay Rwds WMC 6k | Hawaiin WEMC 10k | JetBlue WEMC 8k | Aviator S WEMC 6k Amex Plat: NPSL | BCP 8k | SPG 3k WF Rwds VS 9k | Propel World Amex 25k | Dillards Amex 2k BBVA NBA Amex 10k Cap1 GM WEMC 8k | QS Visa 3k | Saks WEMC 9k NASA 30k Discover It 7k | US Bank Cash+ VS 15k | Flex Perks VS 20k ||| Total Rwds VS 12k | SG Rwds 11k | Walmrt MC 8k | Lowes 17k | Bowflex 9k | J Deere 15k | TJ Max 4k | Care 15k | HDepot 20k | Amzn 5k | PPal Extras 8k | Chvron 10k | Macys 15k | JCrew 18k | Marvel 8k | Stash VS 8k | Cabelas 10k | Statefarm 12k | Nordstrom Visa 10k \\\\Gardening since January////
Message 4 of 17
coldnmn
Mega Contributor

Re: First Unsecured Credit Card Approval!!

Congrats! Welcome to the forum and thanks for sharing.

 

 

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 5 of 17
creditFiend
Established Contributor

Re: First Unsecured Credit Card Approval!!


@Anonymous wrote:

Hey, guys. I just signed up with myfico but I've been lurking in the forum for well over a year now. I had been gardening for awhile now when I decided the other day to check and see if I was preapproved for any credit cards. I ended up being preapproved for the Discover IT for students card. At first I doubted whether being preapproved really meant preapproved and so I came back here and looked up what others on this site had to say about Discover preapprovals (I don't make a credit move without first checking this website, lol). The general consensis was that it was pretty much 50-50 whether I would be approved or not. With that in mind, I decided to go for it even though I was denied for the same card last summer. I guess you can say my app finger was really itchy, lol. So I submitted my application and in moments I got a "Congratulations, you're approved" message. I literally started crying I was so happy. Every other credit card before this, even store cards, have denied me any type of unsecured credit. It is so nice to finally have some sort of confirmation that I'm doing the right things to build my credit. So, I just wanted to take the time to thank the posters in myfico for giving me such good advice. Hopefully, there'll be future approval posts from me as my credit continues to improve Smiley Happy.


Welcome to the forum!!

Seeing 'Congratulations, you're approved' can bring many emotions!

WTG!!

Last app: 2/21/2016
Amex PRG (NPSL)| Amex Hilton Surpass ($17.6K)| Barclays Arrival WEM ($13K)| Barclays SM ($11K)| Capital One QS ($15K)
CareCredit (15.6K)| Chase CSP ($12K)| Chase Hyatt ($5K)| Chase FU VS ($7K)| Chase Ritz ($16.7K)| Citi DC ($2.4K)
Discover It ($4K)| Lowe's ($17K)| MSUFCU ($5K)| Nasa FCU ($20K)| Navy Cash Rewards ($20K)| Navy CLOC ($15K)
PenFed Thrifty ($500)| USAA Rate Advantage ($7K)
Message 6 of 17
alvon123
Super Contributor

Re: First Unsecured Credit Card Approval!!

congrats!!!


Message 7 of 17
Anonymous
Not applicable

Re: First Unsecured Credit Card Approval!!

Thanks Chargeitplease, and yes, I realize something is wrong with my signature. I can't quite seem to figure out how to do the credit card pic signature that everyone else is doing, yet. Hopefully, I'll figure it out soon.

Message 8 of 17
gdale6
Moderator Emeritus

Re: First Unsecured Credit Card Approval!!

Grats and welcome to the Discover family Smiley Happy

Message 9 of 17
chalupaman
Super Contributor

Re: First Unsecured Credit Card Approval!!

Congrats! It's a great card to have.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 10 of 17
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