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Friend's Discover it $8,500 SL approval (1st cc)!

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Anonymous
Not applicable

Friend's Discover it $8,500 SL approval (1st cc)!

Hello myFICO family,

A friend of mine with no credit cards was interested in getting into the credit/rewards game and asked me for help getting started since he knew I've been doing a lot of research getting my own credit journey started recently. I've loved the experience with my Discover it, especially with their track record for approving people for it as their first card. Plus, the cashback match effectively makes the bonuses 2%/10% in the first year, which is really solid. So, I suggested he goes for it. Instantly approved for a $8,500 SL! He's already way ahead of me with that SL, really makes me regret not getting a student or secured card in college to build history sooner 😅

Here are some of his DPs:
100% payment history, no baddies
AAoA/AoOA/AoYA - 4y (2 loans)
Util - 0%
Income - $70,000
0 credit cards
Don't know his FICO scores, but CK shows TU & EQ as 721

I'm so excited to be bringing more people into this game, and can't wait to help him progress further! I will definitely be asking you guys for help down the road 😊

Message 1 of 16
15 REPLIES 15
FireMedic1
Community Leader
Mega Contributor

Re: Friend's Discover it $8,500 SL approval (1st cc)!

Congrats to your bud! Nice SL for sure!


Message 2 of 16
M_Smart007
Legendary Contributor

Re: Friend's Discover it $8,500 SL approval (1st cc)!

You might get him to sign up to myFICO with "StartingReallyStrong"Smiley Very Happy

https://i.imgur.com/ohnOAoQ.gif

Message 3 of 16
Anonymous
Not applicable

Re: Friend's Discover it $8,500 SL approval (1st cc)!


@M_Smart007 wrote:

You might get him to sign up to myFICO with "StartingReallyStrong"Smiley Very Happy

https://i.imgur.com/ohnOAoQ.gif


LOL I love it

Message 4 of 16
Anonymous
Not applicable

Re: Friend's Discover it $8,500 SL approval (1st cc)!

Congrats to your friend. That's a killer SL!!
Message 5 of 16
Anonymous
Not applicable

Re: Friend's Discover it $8,500 SL approval (1st cc)!

Congrats!

Message 6 of 16
pinkandgrey
Senior Contributor

Re: Friend's Discover it $8,500 SL approval (1st cc)!

Ah, Disco. Those great first SLs. Congrats to your friend!!

Discover It: 21.5k
Amex Cash Magnet: 18k
Fidelity Visa: 13k
Apple Card: 4.25k
Message 7 of 16
ZackAttack
Established Contributor

Re: Friend's Discover it $8,500 SL approval (1st cc)!

So ... wait your friend applied for the student version of the card?

MSGCU Rewards | $8kDiscover Cash It | $10kAmex BCP | $15kBest Buy Visa | $20kChase Freedom Flex | $8kDCU Platinum | $8kNFCU Plat | $35kNFCU cashRewards | $24kAffinity FCU Cash Rewards | $7kAmazon Prime | 12.5kChase Unlimited | 16.4kUSAA Cashback Rewards Plus Amex | 10kAmex Business Cash | 10k


Loans
Ford Credit Car Loan 2-year 6/22/2023 ($299/month)
Closed
Michigan Schools & Gov't CU Titanium 1/4/2019 - 10/2/2020
Ford Credit Car Loan 3-year 7/31/2018-6/6/2021
$1,500 Discover Card 10/2/2020 - 8/18/2021
$3,500 Citi DC 10/14/2020 - 12/11/2021
$8,000 DCU Personal Loan 5-year 5.99% 10/2/2020 - 4/30/2021
$8,000 NFCU CashRewards 1/2/2021 - 7/30/2022
$5,000 MSGCU Personal Loan 3-year 7.75% 4/22/2022 - 10/30/2022
Ford Credit Car Loan 2-year 6/7/2021 - 6/22/2023
Message 8 of 16
Anonymous
Not applicable

Re: Friend's Discover it $8,500 SL approval (1st cc)!


@ZackAttack wrote:

So ... wait your friend applied for the student version of the card?


No, he got the regular Discover it card. I meant I wish I'd started building my credit sooner with a student or secured card when I was in college to establish credit sooner.

Message 9 of 16
ZackAttack
Established Contributor

Re: Friend's Discover it $8,500 SL approval (1st cc)!


@Anonymous wrote:

@ZackAttack wrote:

So ... wait your friend applied for the student version of the card?


No, he got the regular Discover it card. I meant I wish I'd started building my credit sooner with a student or secured card when I was in college to establish credit sooner.


Lucky dude.

MSGCU Rewards | $8kDiscover Cash It | $10kAmex BCP | $15kBest Buy Visa | $20kChase Freedom Flex | $8kDCU Platinum | $8kNFCU Plat | $35kNFCU cashRewards | $24kAffinity FCU Cash Rewards | $7kAmazon Prime | 12.5kChase Unlimited | 16.4kUSAA Cashback Rewards Plus Amex | 10kAmex Business Cash | 10k


Loans
Ford Credit Car Loan 2-year 6/22/2023 ($299/month)
Closed
Michigan Schools & Gov't CU Titanium 1/4/2019 - 10/2/2020
Ford Credit Car Loan 3-year 7/31/2018-6/6/2021
$1,500 Discover Card 10/2/2020 - 8/18/2021
$3,500 Citi DC 10/14/2020 - 12/11/2021
$8,000 DCU Personal Loan 5-year 5.99% 10/2/2020 - 4/30/2021
$8,000 NFCU CashRewards 1/2/2021 - 7/30/2022
$5,000 MSGCU Personal Loan 3-year 7.75% 4/22/2022 - 10/30/2022
Ford Credit Car Loan 2-year 6/7/2021 - 6/22/2023
Message 10 of 16
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