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In with Discover! Can't believe it!

TonyMac
Regular Contributor

In with Discover! Can't believe it!

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 Smiley Happy

 

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

 

 

July 17' - Scores 480s across the board
Fico Scores
Jan 18' - Exp 542 Eq 532 Trans 540
18' - Exp 642 Eq 649 Trans 660

Bank Cards - NFCU Cash Rewards $10k, NFCU Platinum $2000, NFCU MR $1000, Amex Delta Gold $1000, Discover IT $1000, Cap1 QS1 $300, Credit One $550, Primor Secured $250
Store Cards - Ikea Project $5500, Lowes $5000, Amazon Prime $5000, Fingerhut $1400, Jcrew $1020 - Other Comenity Cards $1400

Currently under contract for my first mortgage!
Message 1 of 9
8 REPLIES 8
JR_TX
Valued Contributor

Re: In with Discover! Can't believe it!

Hey congrats on your approvals!
Mission Accomplished on Dec 07 2020! Rebuild Complete!

New cc TLs : 2/6 ; 2/12 ; 3/24
HPs EX 3 EQ 3 TU 1
AAoA 5y4m
UTIL 1% - 3%

$250K+ Total Limits











Message 2 of 9
VoltronM
Senior Contributor

Re: In with Discover! Can't believe it!

Congrats on Approval

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 3 of 9
Rjw170
Frequent Contributor

Re: In with Discover! Can't believe it!

Congrats!
Current Fico 8 Scores:

Credit Goal:

Gardening until 2021

Current Cards:


Wish List:



Message 4 of 9
Creditbuilder36
Frequent Contributor

Re: In with Discover! Can't believe it!

Congratulations
Message 5 of 9
joltdude
Community Leader
Senior Contributor

Re: In with Discover! Can't believe it!

Dont sweat the APR ... Discover entertains APR reductions every 6 months AFTER the promo period and/or first year....

-J

 

Message 6 of 9
GardenPro
Regular Contributor

Re: In with Discover! Can't believe it!

Congrats!

Current Wallet:

Future Additions:
Message 7 of 9
GardenPro
Regular Contributor

Re: In with Discover! Can't believe it!

Didn't know Discover entertains APR reductions. I'll definitely have to ask about that asap.

Current Wallet:

Future Additions:
Message 8 of 9
SChomebuyer
Established Member

Re: In with Discover! Can't believe it!

Congratulations,. I love my discover sure you will too.

Message 9 of 9
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