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Approved for Discover more....

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happyhome40
New Contributor

Approved for Discover more....

I didn't get an immediate approval. The online app went into pending process mode and stayed there. I called right after and was told it was still pending and the rep couldn't tell me anything. I called today and asked if there was more info that was needed and the CSR transferred me to a new account specialist. She asked me about my lates, which were four years ago, and about previous things that were on my report. I explained them away and reiterated that I have worked very hard on my credit, that I PIF every month and that I am very much now in control of my finances. She congratulated me on the repair of my credit and stated she can see that I've done a great job on it. She approved me for the discover more but changed some of the terms. I only got approved for $1000.00. I tried to call back and get it increased but the other new account specialist said they can't for six months. I'll take it. I hear Discover is really good with CLI. I'm just really glad I got it. I wanted a card for cash back. I have Amex green and applied for the Blue but was denied due to short history with Amex. I'm impatient and couldn't wait the six months to apply again. Gardening now. I'm done. Hopefully, my next app will be for a mortgage next year. Monica
Message 1 of 12
11 REPLIES 11
CS800
Super Contributor

Re: Approved for Discover more....

Congrats, good card to have.




Message 2 of 12
Anonymous
Not applicable

Re: Approved for Discover more....

Congrats.  This weekend it was about a year since I got my last new card and I also applied and got approved for the Discover More card.  You should be getting an email soon saying your account is set up and you can log into it online.  I expect my card should be here in a couple of days. 

 

Welcome to the DM club.

Message 3 of 12
Anonymous
Not applicable

Re: Approved for Discover more....

Congrats OP
Message 4 of 12
bribro
Valued Contributor

Re: Approved for Discover more....

Congrats OP. Always cool to hear these recon success stories.

TU FICO: 800 (2/1/14) | CK Score: 802 (2/1/14) | CS Score: 805 (2/1/14)

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Message 5 of 12
kevinjjc
Valued Contributor

Re: Approved for Discover more....

Congrats! Would you mind sharing the other terms of your approval (besides the 1k limit)?

Message 6 of 12
happyhome40
New Contributor

Re: Approved for Discover more....

They pretty much gave me a higher APR to start and balance transfer is 3.5 I think. I wasn't really listening because I don't plan to do BT and I never carry a balance, so they could make the APR whatever they want. If I had to do a BT for whatever reason, I would use my citi for that which has 0% for 15 months. Monica
Message 7 of 12
Meltdownblitz
Frequent Contributor

Re: Approved for Discover more....

Very nice, it seems they start lots of people at 1000, including myself, got an increase after 6 months.



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Message 8 of 12
remarc
Regular Contributor

Re: Approved for Discover more....

Meltdownblitz>

 

would you mind telling us how you used your card ?? Im in the same boat as you $1000 and hoping to get a CLI on the six month mark.. I use my card heavily every month and always PIF

Message 9 of 12
thrasher865
Valued Contributor

Re: Approved for Discover more....


@remarc wrote:

Meltdownblitz>

 

I use my card heavily every month and always PIF


That's what they like.  Hell, they don't even care if you PIF, as long as you run a lot of money through it.


Starting Score: EQ: 665 - TU: 687
Current Score: EQ: 749 - TU: ---
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Message 10 of 12
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