Discover IT Dilema

[titanofold]

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@AC0308 wrote:

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@parkman wrote:

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@efranklin23 wrote:

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@AC0308 wrote:

Here's the thing...

I've worked hard these past months to pay off as much debt as possible. I currently have a high balance on my Amex and am reporting 0 or low balances on the others. 380 on my the chase, everything else nearly 0 -- just because I am charging them and paying them off as I do so. 

My big picture plan is to pay off all of my debt wait a bit and apply for the Costco TE card that I really want. I just received a pre approval for Discover IT and confirmed it online..

http://i.imgur.com/Ea3Qlmw.png" 

I know that others have mentioned receiving better offers, and I'm curious whether or not I should go for it? 

The latest information i have is that Experian is pulling a 719 (via identity guard) TranUnion (Credit Karma ) - 706 and Quizzle - 689

The high balance on my Amex will be paid off by end of March and that's when I'd like to apply for my Costco TE and I'm curious if I will be hurting my chances with Amex if I act on this Discover offer now.

Currently only have 3 Hard inquires one dropping off in May

Thanks for reading through my ramblings!

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Wait till April (when you report the PIF for your AMEX), Discover doesn't like to see high balances on cards (no matter how small the limit)

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Source? I was approved for a $7,500 It with a practically maxed out CDP (2,600/2700)

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I'm also interested to know more about this.

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There are always exceptions to the rules.

Each of these pages should have a footer: Your experience may vary from the information provided above.

[indiolatino61]

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@AC0308 wrote:

Here's the thing...

I've worked hard these past months to pay off as much debt as possible. I currently have a high balance on my Amex and am reporting 0 or low balances on the others. 380 on my the chase, everything else nearly 0 -- just because I am charging them and paying them off as I do so. 

My big picture plan is to pay off all of my debt wait a bit and apply for the Costco TE card that I really want. I just received a pre approval for Discover IT and confirmed it online..

http://i.imgur.com/Ea3Qlmw.png" 

I know that others have mentioned receiving better offers, and I'm curious whether or not I should go for it? 

The latest information i have is that Experian is pulling a 719 (via identity guard) TranUnion (Credit Karma ) - 706 and Quizzle - 689

The high balance on my Amex will be paid off by end of March and that's when I'd like to apply for my Costco TE and I'm curious if I will be hurting my chances with Amex if I act on this Discover offer now.

Currently only have 3 Hard inquires one dropping off in May

Thanks for reading through my ramblings!

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I say wait until your utilization on that one card is low, then apply. The best of luck to you.