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World's Worst Gardener Approved for Discover IT

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World's Worst Gardener Approved for Discover IT

I was checking my score at creditscorecard.com and the pre-approval popped up. I'm a rebuider who felt like I might be stuck in sub-prime prison for a loooong time. I hadn't passed maybe three prior attempts over the past six months at a pre-approval and it became my first 'goal card.' Approved with a $7000 SL. The 5% cash back and 14 months 0% interest.This is a big deal for someone with two CapOne $500 SL cards. I'll believe it when it arrives. Thing is, it's been 48 hours and no HP alert from any of my several monitoring services? So maybe I won't have to replant my seedling? Anyway...this slow, steady, sometimes torturous rebuilding seems to be working and wanted to pass along some hope for people in situations like mine.

 

EDIT: I got a pre-approval APPLICATION pop-up. I wasn't instantly pre-approved, in case I wasn't clear. I did the pre-approval application, which gave me a thumbs up, then, after thinking about it for as long as the screen stayed open, I went ahead and did what felt like a HP application. That's why I'm surprised that no HP has shown up (yet).


Starting Score: 550's
Current Score: 680's
Goal Score: 750's


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Message 1 of 14
13 REPLIES 13
Valued Contributor

Re: World's Worst Gardener Approved for Discover IT

Nice pick up and SL. Congrats.


Beginning Journey April 2017 – FICO 8

Current Scores May 2018 – FICO 8

Started this credit game with $8400 TCL in 04/17 now I'm at $150K+.
Message 2 of 14
Senior Contributor

Re: World's Worst Gardener Approved for Discover IT

That card is actually a 10% cashback card the first year due to cashback match.

 

Congrats!  Didn't know creditscore.com offers prequalified offers.  Did you mean creditscorecard.com?

Message 3 of 14
Contributor

Re: World's Worst Gardener Approved for Discover IT


@ABCD2199 wrote:

That card is actually a 10% cashback card the first year due to cashback match.

 

Congrats!  Didn't know creditscore.com offers prequalified offers.  Did you mean creditscorecard.com?


Yes. Good catch...I just edited it to creditscorecard.com. Jeez...10%? That's great news. 


Starting Score: 550's
Current Score: 680's
Goal Score: 750's


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Message 4 of 14
Senior Contributor

Re: World's Worst Gardener Approved for Discover IT


@Phoenix55 wrote:


Yes. Good catch...I just edited it to creditscorecard.com. Jeez...10%? That's great news. 


It's actually more than 10% if you play your cards right.  First of all, don't forget that some stores in a category may offer internal rewards, so do some groundwork and find those programs out if it matches your spend.  Category cards are the #1 reason folks spend too much -- they think getting 5% more in cash is worth blowing 40% in spending, so be careful.

 

Secondly, Discover lets you redeem cashback for gift cards, which is what I am banking my cashback towards.  $45->$50 is 11.1% more cash if those gift cards work for you.  So 10% after a year + 11.1% = 11.11% rewards the first year.

 

Glad to know creditscorecard.com shows offers!  I'll need to get someone to send me a screen cap of that so I can add it to my database.

Message 5 of 14
Contributor

Re: World's Worst Gardener Approved for Discover IT


@ABCD2199 wrote:

@Phoenix55 wrote:


Yes. Good catch...I just edited it to creditscorecard.com. Jeez...10%? That's great news. 


It's actually more than 10% if you play your cards right.  First of all, don't forget that some stores in a category may offer internal rewards, so do some groundwork and find those programs out if it matches your spend.  Category cards are the #1 reason folks spend too much -- they think getting 5% more in cash is worth blowing 40% in spending, so be careful.

 

Secondly, Discover lets you redeem cashback for gift cards, which is what I am banking my cashback towards.  $45->$50 is 11.1% more cash if those gift cards work for you.  So 10% after a year + 11.1% = 11.11% rewards the first year.

 

Glad to know creditscorecard.com shows offers!  I'll need to get someone to send me a screen cap of that so I can add it to my database.


Some here on the forum, including you, play this credit game at a whole different level than me, atm. My eyes cross just trying to PIF, stay under 9%, AZEO, monitor changing 'end of statement dates,' etc. It's fun to read about these strategies and try to learn, but I think it may take a mental capacity or proclivity that I may not have...lol. I admire your ability.


Starting Score: 550's
Current Score: 680's
Goal Score: 750's


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Message 6 of 14
Community Leader
Mega Contributor

Re: World's Worst Gardener Approved for Discover IT

Congrats OpSmiley Happy

K in Boston, is that you? Smiley Wink
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Message 7 of 14
Contributor

Re: World's Worst Gardener Approved for Discover IT


@AverageJoesCredit wrote:
Congrats OpSmiley Happy

K in Boston, is that you? Smiley Wink

I live in the South. But I hope I remind you of a gorgeous, witty, funny, smart K in Boston. Smiley Happy


Starting Score: 550's
Current Score: 680's
Goal Score: 750's


Take the myFICO Fitness Challenge
Message 8 of 14
Contributor

Re: World's Worst Gardener Approved for Discover IT


@Phoenix55 wrote:

@AverageJoesCredit wrote:
Congrats OpSmiley Happy

K in Boston, is that you? Smiley Wink

I live in the South. But I hope I remind you of a gorgeous, witty, funny, smart K in Boston. Smiley Happy


Oh...and young. I forgot to mention young.


Starting Score: 550's
Current Score: 680's
Goal Score: 750's


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Message 9 of 14
Community Leader
Mega Contributor

Re: World's Worst Gardener Approved for Discover IT

Lol, sorry some Garden Club humorSmiley Happy. K in Boston is a member who claims World's Worst GardenerSmiley Wink. Even says so in his siggy! There is a battle for second and third thoughSmiley Wink
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Message 10 of 14
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