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Thank you! Approved for Discover It card plus QS card upgrade!

zanderbot
Established Member

Thank you! Approved for Discover It card plus QS card upgrade!

I want to thank everyone in this forum for the wealth of information each of you provide to each other on here. I recently have been trying to improve my finances and rebuild my credit from some unfortunate circumstances 7 years ago.

I haven't tried to open up any credit accounts in over 10 years (last one was a 6k limit Target MC card). I also possessed a Capital One platinum card with 5k limit, & local bank Visa Signature with 7.5k limit. I have been able to pay off both the VSig & Capital One card recently in the last few months. I was looking to try to get a card to transfer my Target card balance to a lower or 0% promo rate. After reading through the forums, I decided on the Discover It card with 0% transfer for 14 months. So today, for the first time in a decade, I attempted a pre-approval / credit app through Discover and got approved for an 11k credit limit! I also successfully upgraded my Cap1 platinum to a Quicksilver this weekend too.

The forum provided me clues to my eventual Discover approval due to the pre-approval giving me a specific APR and not a range. I hope the initial 11k credit limit is a good sign of my credit profile improving.

Thank you again to all the wonderful people in this forum who exchange their stories and information. It helped me tremendously in my research & confidence to try.
Starting Score: 696
Current Score: 779
Goal Score: 800


Take the myFICO Fitness Challenge
Message 1 of 5
4 REPLIES 4
CreditCuriosity
Moderator

Re: Thank you! Approved for Discover It card plus QS card upgrade!

Congrats.. Stats might help others.  Thanks

Message 2 of 5
doinit1
Valued Contributor

Re: Thank you! Approved for Discover It card plus QS card upgrade!


@zanderbot wrote:
I want to thank everyone in this forum for the wealth of information each of you provide to each other on here. I recently have been trying to improve my finances and rebuild my credit from some unfortunate circumstances 7 years ago.

I haven't tried to open up any credit accounts in over 10 years (last one was a 6k limit Target MC card). I also possessed a Capital One platinum card with 5k limit, & local bank Visa Signature with 7.5k limit. I have been able to pay off both the VSig & Capital One card recently in the last few months. I was looking to try to get a card to transfer my Target card balance to a lower or 0% promo rate. After reading through the forums, I decided on the Discover It card with 0% transfer for 14 months. So today, for the first time in a decade, I attempted a pre-approval / credit app through Discover and got approved for an 11k credit limit! I also successfully upgraded my Cap1 platinum to a Quicksilver this weekend too.

The forum provided me clues to my eventual Discover approval due to the pre-approval giving me a specific APR and not a range. I hope the initial 11k credit limit is a good sign of my credit profile improving.

Thank you again to all the wonderful people in this forum who exchange their stories and information. It helped me tremendously in my research & confidence to try.

Congratulations on your approval and upgrade. Nice SL from Discover. What were your FICO scores, inq, derogs (if any), AAoA...etc....

American Express Business Gold(NPSL 10k) Chase CSP (25k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(4.1k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (1k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(4.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (500✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until June 2021

FICO 8 Scores EX 700 EQ 696 TU 703
AAOA 5.2yrs TCL=268,700
Message 3 of 5
zanderbot
Established Member

Re: Thank you! Approved for Discover It card plus QS card upgrade!

My score was 725, average age of accounts 17 years, had a loan default in 2011. No missed or late payments on Capital One or bank VISA rewards card. Only one late payment (5 days late) on Target card.
Starting Score: 696
Current Score: 779
Goal Score: 800


Take the myFICO Fitness Challenge
Message 4 of 5
VoltronM
Senior Contributor

Re: Thank you! Approved for Discover It card plus QS card upgrade!

Congrats on approval and very nice SL

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 5 of 5
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