cancel
Showing results for 
Search instead for 
Did you mean: 

Joining the Disco Family! APPROVED $7K SL

Highlighted
Regular Contributor

Joining the Disco Family! APPROVED $7K SL

Hey everyone,
 
First: thank you all for the super helpful posts that you share with the community! 
 
I've been reading and thinking about how to strategize my next app to help push my scores up to the 700 level. I was thinking about 3 options: 1) I really want to try for Amex, but have no preapprovals there and know my scores will probably only get me the standard $1K SL (at best). 2) World of Hyatt card through Chase since I have several cards through them already and there are tons of reports that they have very good SL for people with similar profiles. 3) Join the Discover family where I had preapprovals for Cash back and Chrome w/ 0% APR for 14 months on purchases and BTs. 
 
My strategy is simple: Which card will help me raise my credit and buff my profile the most? I decided with Discover and was instantly approved for $7K SL!! So excited! They pulled Equifax (yay), which is currently my highest score at 664 FICO 8.
My plan: I'm currently sitting at 31% util, and have these two credit one accounts that both have annual fees and small balances $600 on one and $275 on another. I wanted to raise my overall credit limits by a decent chunk, pay off the two credit one accounts to save on interest and then call them up to ask to have the annual fees waived to keep me as a customer.
 
I think I achieved my goal! Please feel free to let me know what you think of my strategy and if you think I could have done anything differently? Also, does anyone know if Discover will expedite the card if I call them and ask?
 
Current: Gardening...


FICO 8: EX:TU:EQ:

As of Aug 2020. Total CL: $46,600; Goal: $50,000
Message 1 of 19
18 REPLIES 18
Highlighted
Epic Contributor

Re: Joining the Disco Family! APPROVED $7K SL

Congratulations on The 7K Disco Fever!

popcorn eating emoticon.gif

Message 2 of 19
Highlighted
Valued Contributor

Re: Joining the Disco Family! APPROVED $7K SL

Great approval and no doubt that puppy will increase nicely for you.


Message 3 of 19
Highlighted
Super Contributor

Re: Joining the Disco Family! APPROVED $7K SL

Congrats! on the approval and SL. Welcome to the Discover family with it's generous SP CLI's Smiley Happy

1234567
8910111213
Rebuild Begin 7/22-FICO alternating avg's 650 + - So in the drink for awhile UGH
1213444ind
Message 4 of 19
Highlighted
Senior Contributor

Re: Joining the Disco Family! APPROVED $7K SL

Congrats and welcome to the Disco family!
Looks like they're letting you sit at the big kids table Smiley Wink




F8 EQ: 804 | EX: 794 | TU: 801 | Accounts: 2/6 4/12 8/24
Happy practitioner of AZE9or10or11 | Team Finances > FICO
Message 5 of 19
Highlighted
Valued Contributor

Re: Joining the Disco Family! APPROVED $7K SL

Congrats on the approval and SL! 




"Your ego is writing checks your body can't cash".
Message 6 of 19
Highlighted
Senior Contributor

Re: Joining the Disco Family! APPROVED $7K SL

Looks like your strategy is spot on, congrats on your new card and great sl!




Starting Score: 680
Current Score: 786
Goal Score: 850


Take the myFICO Fitness Challenge

”MY TAKE HOME PAY DON’T TAKE ME HOME”
Message 7 of 19
Highlighted
Community Leader
Mega Contributor

Re: Joining the Disco Family! APPROVED $7K SL

CongratsSmiley Happy 7k should put you on path for the Big Kid increasesSmiley Happy. I wouldnt worry about expressing it it usually comes fastSmiley Happy
Message 8 of 19
Highlighted
Community Leader
Senior Contributor

Re: Joining the Disco Family! APPROVED $7K SL

Congrats! Great SL there and it will only grow larger and larger. Disco (at least in my experience) ships fast, so I wouldn’t worry about expediting it.

Discover It: 19.7k
Amex ED: 18k
Citi DC: 7.7k
Best Buy Visa: 3k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 9 of 19
Highlighted
Epic Contributor

Re: Joining the Disco Family! APPROVED $7K SL


@AverageJoesCredit wrote:
" I wouldnt worry about expressing it it usually comes fastSmiley Happy"

Surely you are not referring to those CLI LettersSmiley Wink

popcorn eating emoticon.gif

Message 10 of 19
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.