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Unexpected Approval Discover IT!

TonyMac
Regular Contributor

Re: Unexpected Approval Discover IT!

Thats awesome! Did you try the "pre-approval" first?

 

Disco is one of the cards I'm targeting in the next 6 months but have to push my scores up a bit. You give me hope! haha

 

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 11 of 17
AllThingsInTime
Established Contributor

Re: Unexpected Approval Discover IT!

@Brahhhndo

 

Major Congrats on the unexpected Discover Card 3k approval!

 

Would you mind sharing which credit report Discover pulled?

I've read here in the forums that Disco usually pulls Equifax.

If your EQ score is correct, then a 3k limit on a 618 EQ is a

really sweet get. Many thanks in advance, and congrats again!

 

Message 12 of 17
AverageJoesCredit
Mega Contributor

Re: Unexpected Approval Discover IT!


@Brahhhndo wrote:

The card will barely be used. I just needed the increase in available credit. 

 

The maroon one. Figured it’d be nice to have some different colors in my wallet. 


Wow, congrats on your approval but I'm surprised you will hardly use it. This isnt the kind of card you should use just for util buffering, especislly in its first year,  but everyone has their own needs. Enjoy thoughSmiley Happy

Message 13 of 17
Brahhhndo
Established Member

Re: Unexpected Approval Discover IT!

@TonyMac yes I did use the prequal. I’ve been using those for about a week now since I had a little increase in my scores and they finally gave me a set APR and prequalification for the card.
Message 14 of 17
Brahhhndo
Established Member

Re: Unexpected Approval Discover IT!

I’m in Texas and they pulled Experian
At the time of pull I had 7 inquires sitting at a FICO 8 score of 641 with 70% until but that’s because I forgot to pay before my statements were cut I think. I PIF every month.

I was very excited to see that SL. It’s my 2nd highest limit now.
Message 15 of 17
Brahhhndo
Established Member

Re: Unexpected Approval Discover IT!

Totally goofed when I wrote that. I’ll be taking full advantage of that 1st year cash back promo.
Message 16 of 17
Jago22
Community Leader
Super Contributor

Re: Unexpected Approval Discover IT!

Congrats,  That's a nice starting limit with disco considering the scores.  Your hard work is paying off.  





Message 17 of 17
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