So I just got approved for the Delta Amex a couple days ago... My equifax bumped to 662 this morning as it was just updated on my final 2 chargeoffs (Paid 0$ balance) and this was the last card I wanted to try for before the garden. In my rebuild I wanted an Amex or Discover. Figured I would try for both before planting the seeds for the next 2 years. (Actually my biggest goal was getting an unsecured NFCU card.. so I officially surpassed all expectations)
I have been going back and forth to even apply as I didn't even pre-qualify! It kept offering me a secured card. Thanks to whogavemecredit and creditpulls I saw some approvals in my range.
I figured what the hell.. I have 10 new accounts in the past year, 10 Inqs on equifax but 13% UTIL, no collections, 68k income, AAOA of equifax is almost 4 years.
So I applied and wow.. approved lol. It didn't even register any pre-approvals on the pre-qual site except secured!!
SL is $500 which I'm completely fine with as 6 months ago I only had a secured card for $250. I plan on watering this bad boy, paying in full every month.
Here's the kicker... They pulled Experian! Which is great! Was not expecting that!
Experian - 657 - AAOA 2 years 9 months, 5 inqs, 13% UTIL - 11 open accounts, last late 16 months ago.
I'm still somewhat shocked as my rebuild is complete. NFCU, amex, discover.. and a little extra accounts on the side so offset some spending
OFF TO THE GARDEN OFFICIALLY! Re-build complete... time to watch the limits grow.
Oh.. and I picked the awesome lime green card , 23% ouch but no biggie... Disco It - Cash back
Congrats on Approval
Dont sweat the APR ... Discover entertains APR reductions every 6 months AFTER the promo period and/or first year....
Didn't know Discover entertains APR reductions. I'll definitely have to ask about that asap.