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Woooohooooooooo - approved for Discover IT!!!

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Anonymous
Not applicable

Woooohooooooooo - approved for Discover IT!!!

OMG. Discover approved me for an 800 CL UNSECURED card. This is after I was rejected last month for a SECURED Discover. I just plugged my info into the prequal for the heck of it and it gave me the options for Discover IT Cashback or Chrome. I went ahead and completed the application, thinking that they would give me $300, but they gave me $800. Happy day! 

 

Equifax - 624

Transunion - 618

Experian - 623

 

Cards are:

Overstock - 2000

Wayfair - 2000

Victoria's Secret - 250

Banana Republic - 300

Target - 300

CapOne QuickSilver 1500 (I had 2 platinum CapOnes, combined the cards, and then did a product change)

CapOne QuicksilverOne - 300

CreditOne (I know) - 600

Ulta - 400

Dillards - 1300

 

I opened a number of store cards recently to improve utilization. I have 3 baddies which I will pay original creditor (cell phone companies) then collections will fall off.

 

Now I'm in the garden for a LONG time. 

Message 1 of 16
15 REPLIES 15
chhull00
Frequent Contributor

Re: Woooohooooooooo - approved for Discover IT!!!

Congratulations_misti.gifCongratulations mate your on your way!



Message 2 of 16
Cred4All
Valued Contributor

Re: Woooohooooooooo - approved for Discover IT!!!

Congrats on the approval and the patience to wait until it was prequalified!


Message 3 of 16
AverageJoesCredit
Legendary Contributor

Re: Woooohooooooooo - approved for Discover IT!!!

CongratsSmiley Happy Welcome to Discover! Just remember you really don't have to open alot of store cards to improve your utilization. You want to build your credit with quality not quantity.
Message 4 of 16
Anonymous
Not applicable

Re: Woooohooooooooo - approved for Discover IT!!!

Congrats on your Discover IT approval! Smiley Very Happy

Message 5 of 16
Remedios
Credit Mentor

Re: Woooohooooooooo - approved for Discover IT!!!


@Anonymous wrote:

OMG. Discover approved me for an 800 CL UNSECURED card. This is after I was rejected last month for a SECURED Discover. I just plugged my info into the prequal for the heck of it and it gave me the options for Discover IT Cashback or Chrome. I went ahead and completed the application, thinking that they would give me $300, but they gave me $800. Happy day! 

 

Equifax - 624

Transunion - 618

Experian - 623

 

Cards are:

Overstock - 2000

Wayfair - 2000

Victoria's Secret - 250

Banana Republic - 300

Target - 300

CapOne QuickSilver 1500 (I had 2 platinum CapOnes, combined the cards, and then did a product change)

CapOne QuicksilverOne - 300

CreditOne (I know) - 600

Ulta - 400

Dillards - 1300

 

I opened a number of store cards recently to improve utilization. I have 3 baddies which I will pay original creditor (cell phone companies) then collections will fall off.

 

Now I'm in the garden for a LONG time. 


 

Congrats  on your approval. 

 

Do yourself a favor and get rid of Credit One.  Your wallet will thank you 

Message 6 of 16
xaximus
Valued Contributor

Re: Woooohooooooooo - approved for Discover IT!!!

Congrats on the approval!


Scores - All bureaus 770 +
TCL - Est. $410K
Message 7 of 16
Anonymous
Not applicable

Re: Woooohooooooooo - approved for Discover IT!!!

Congrats on your Discover It Approval, welcome to the Disco family!!! Enjoy Smiley Happy

Message 8 of 16
blazerein
Established Contributor

Re: Woooohooooooooo - approved for Discover IT!!!

Congrats on the approval!
AAoA 6yrs 3mos | Inquries: TU5/EQ5/EX8 | Utilization: 9% | Mortgage: 1 | Auto Loan: 2 | Personal Loan: 2 | Derogatory: 0

> >CREDIT UNION


EX- 585, TU- 583, EQ- 563 | CURRENT SCORE UPDATED: 2/2023 -> FICO 8 EX 754 TU 741 EQ 755 | FICO 9 EX 747 EQ 763 TU 756
Message 9 of 16
19eighty5
Senior Contributor

Re: Woooohooooooooo - approved for Discover IT!!!

Congratulations on your approval!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:


Message 10 of 16
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