2nd Discover

[Anonymous]

So i was approved for a discover it chrome about 5 months ago. Solid APR of %23 (high). SL 2,400 Credit score around 630 Experian fico 8, Bankruptcy 2016. I went on the preapproval site and im prequalified again. Same APR but this time my bankruptcy is gone. Last month i had charged 2,300 on my discover. I paid 900. Should i wait for my balance to update on my Experian before i app.

[Np1791]

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@Anonymous wrote:
So i was approved for a discover it chrome about 5 months ago. Solid APR of %23 (high). SL 2,400 Credit score around 630 Experian fico 8, Bankruptcy 2016. I went on the preapproval site and im prequalified again. Same APR but this time my bankruptcy is gone. Last month i had charged 2,300 on my discover. I paid 900. Should i wait for my balance to update on my Experian before i app.

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You can only get one Discover card per year and a max of two is what I was told.

[AverageJoesCredit]

+1

[Anonymous]

Even if im preapproved?

[joltdude]

Yep.. have to wait until your first discover is a year old.. and i mean 12 statements vs time.....that prequal is a lie ....

Then you can app for a second.... Its likely a rejection... but id wait for discover to do the monthly pull and try for a CLI however after they pull your monthly score....

-J

[Anonymous]

What is a monthly pull?

[NRB525]

OP you have a $1,400 balance on a $2,400 limit? Any other balances on cards?

Are you still in the First Year Double Rewards period?

[Anonymous]

Im still in the first year. Ive had the card about 5 months. I have $350 on $5000 kays -$33 on $350 victoria secret - $180 on 200 secured capital 1 (i know i know) -0 on $500 credit one- $0 on 3800 jared. And a 4 other store cards with 0 utilization. 28% utilization total before the $900 discover payment

[Anonymous]

$1400 on $1500 nortic trac treadmill

[joltdude]

Discover does a soft FICO pull every month to give you the in-account credit score....

But they also use that data for their soft pull Credit Line Increases...