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765 on Discover Scorecard which I was told here is a legit Fico..but in my case is ridiculous and a mistake on my reports working in my favor.
Pre-qualified on their website 6 months after my Crap1 Secured..which was my only card.
Applied on the 7 month mark and got in.
Congratulation's!!
Approved with an EX 753. Gave me a Limit of $10,400, however that included moving $4400 over from my AMEX ED card, which I did not know until my card arrived.
I had a prequal for the Blue Cash Preferrred, but only got approved for $2,000.00
My EX is 760, income is $155k, my utilization hovers between 2% and 10% depending on when my statements cut, and I PIF all my accounts every month.
They have an internal risk model that is very strict. I am running a lot through it, so I've been paying the card frequently. I'm willing to wait this one out to get a decent CL. Hopefully I can grab the 3X on my 61 day anniversary!
If you don't mine me asking, what limit did they prove you for?
Approved at 672. Prequals finally popped up for me when I crossed the 670’s.
Last year down to this same week I started my credit rebuild journey . My scores were 558 EXP, 565 TU, and 533 EQ. A year later I decided to test my luck and check the pre-qual page to see if I had any offers. I tried a few times last year with their prequal and apping but was denied or had no offers.
As of last night my latest scores before applying were 654 exp, 650 TU, and 633 EQ.
To my surprise i was prequaled for the Everyday, BlueCash Everyday, and the AMEX Green Card. i could probably app again but not sure if i want to. I'm just going to be patient and let this grow
I opted for BCE with a $500 starting limit and i dont think i had any intro offers and probably are enrolled in their version of credit steps, but im still planning on the 3x CLI at the 62nd day mark.
Nice. For some reason the BEC card does not come up for me with the pre qual even though I have a 753 FICO 8 score.