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There goes the garden.. USB Cash+ & Disco Approved!

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Established Contributor

Re: There goes the garden.. USB Cash+ & Disco Approved!

Congratulations x 2 !!!

Message 31 of 48
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Established Contributor

Re: There goes the garden.. USB Cash+ & Disco Approved!

Congrats X 2!! Super jelly of your Cash +, and I've loved my Disco so far! Great job on nabbing a couple of amazing cards! Now I'm just going to sit and wait to read your PPMC approval thread when it pops up...😂


FICO 8 11/20: EX 747 EQ 746 TU 732
"Friends don't let friends earn 1% cash back."
Message 32 of 48
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Frequent Contributor

Re: There goes the garden.. USB Cash+ & Disco Approved!

Congrats I knew you could do it..That last goal card (Paypal) is the easiest to get out the 3 (my opinion) so im sure when ever you get ready for that one it will be patiently waiting on you 😂




AOD FCU PLOC 10,000
NAVY FED CLOC 3000

Message 33 of 48
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Valued Contributor

Re: There goes the garden.. USB Cash+ & Disco Approved!

Woohoooo 🎉🎉🎉🎉

 

Congratulations on the approvals! Double trouble score!!

Message 34 of 48
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Regular Contributor

Re: There goes the garden.. USB Cash+ & Disco Approved!


@angelwingz wrote:

Thank you to those who have helped me make the decision to apply for both! I applied for Cash+ first and approved for 1k @ 13.99% Then Discover a few minutes later for 4k @ 19.79% Both pulled Experian. Wondering what my report/scores will like once these start reporting. Anyway, back to the garden for me! Smiley Happy


 


Congratulations on your approvals! From one new Disco member to another, welcome to the Disco fam 🎉🍾




Message 35 of 48
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Valued Contributor

Re: There goes the garden.. USB Cash+ & Disco Approved!


@ActiveTraderNQ100 wrote:

@angelwingz wrote:

Thank you to those who have helped me make the decision to apply for both! I applied for Cash+ first and approved for 1k @ 13.99% Then Discover a few minutes later for 4k @ 19.79% Both pulled Experian. Wondering what my report/scores will like once these start reporting. Anyway, back to the garden for me! Smiley Happy


 


Congratulations on your approvals! From one new Disco member to another, welcome to the Disco fam 🎉🍾


Thank you Smiley Happy




My Cards:






Profile Type: New, Thick, 100% Clean
INQ's: EQ: 0 TU: 1 EX: 3 (last 12 mo.)
Recent Accounts: 4 (last 24 mo.)
Total CL: 28.95k Util. 3% AAoA: 1yr, 8mo.
AoOA: 2 yrs, 8 mo. AoYA: 0 mo. 100% PIF.





myFICO Member since: July 21, 2018 | Joined Community: Aug. 17, 2018 | Starting Scores: EQ: 716 TU: 738 EX: 698
Message 36 of 48
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Regular Contributor

Re: There goes the garden.. USB Cash+ & Disco Approved!

Awsome Congrats ! 












Message 37 of 48
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Valued Contributor

Re: There goes the garden.. USB Cash+ & Disco Approved!

Congrats @angelwingz on the double approvals! 

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores Nov 2020 (TU 774) (EQ 771) (EXP 748)
$600k+ Tradelines in progress
Gardening until at least May 2021
“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)
Message 38 of 48
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Super Contributor

Re: There goes the garden.. USB Cash+ & Disco Approved!

Congratulations @angelwingz !!

You really should get that third one right now so they can all age together and you don’t have to take another AOYR hit later.

Otherwise you wait 12 months to get your points back and then when you go for another card, you lose some again. Is everyone said it’s the easiest of the three and they don’t know anything about your other two cards and none of the three are AA-prone.

Get it and let them all age together so you have a solid buffer for AAOA later on.
-Our Community’s updated scoring wisdom: Link to Scoring Primer.
-For Negative Reason Codes see: CassieCard’s Score Factors thread.
-ccquest’s workbook to calculate metrics for you: Link to Workbook.

Oct 2020 New Account Scorecard.Nov 2020, No New Account Scorecard (reassignment conflated with aging. EX9 not updated yet. Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.


RIP:
(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 39 of 48
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Valued Contributor

Re: There goes the garden.. USB Cash+ & Disco Approved!


@Birdman7 wrote:
Congratulations @angelwingz !!

You really should get that third one right now so they can all age together and you don’t have to take another AOYR hit later.

Otherwise you wait 12 months to get your points back and then when you go for another card, you lose some again. Is everyone said it’s the easiest of the three and they don’t know anything about your other two cards and none of the three are AA-prone.

Get it and let them all age together so you have a solid buffer for AAOA later on.

What do you mean by, none of the three are AA-prone?




My Cards:






Profile Type: New, Thick, 100% Clean
INQ's: EQ: 0 TU: 1 EX: 3 (last 12 mo.)
Recent Accounts: 4 (last 24 mo.)
Total CL: 28.95k Util. 3% AAoA: 1yr, 8mo.
AoOA: 2 yrs, 8 mo. AoYA: 0 mo. 100% PIF.





myFICO Member since: July 21, 2018 | Joined Community: Aug. 17, 2018 | Starting Scores: EQ: 716 TU: 738 EX: 698
Message 40 of 48
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