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Pulled the trigger, Discover IT

Regular Contributor

Re: Pulled the trigger, Discover IT

Congrats homie g funk. See you chuggin on the choo choo express.

Message 21 of 32
Established Member

Re: Pulled the trigger, Discover IT

SnackTrader wrote:
What other cards do you have, snowsurf? A lack of credit history could be hurting you, since you have what we call a thin file and lenders won't be able to determine how well you have manged credit in the past. This is a major indicator of future credit performance, and is generally helpful for getting new credit cards.

Just figured out how to make a signature! Ill go all HTML crazy later but the basics are there. Oh and I am an AMEX AU as well! 

Discover IT, BofA Cash Rewards, Citi Forward, AMEX Green, CapitalOne Cash Rewards, Chase Freedom, Wal-Mart Store
Message 22 of 32
New Contributor

Re: Pulled the trigger, Discover IT

AAoA 2.8 years 


cap one plat, opened dec '11 always on time. 565/750 

applied bank secured card, opened jan 2012, never late 0/300

Amex AU, added on July 2011, no lates, backdated 06. 0/2000

Freedom road financial motorcycle loan, listed as recreational merchandise (installment loan), opened aug 2012 no lates, 13.5k balance

Amazon store card, jan 2013. 111/700 on time, called got CLI right after opening from 500

walmart store card, jan 2013 0/800, called got cli right after opening from 400

paypal store card, dec 2012 530/600 on time. Denied cli after opening 

Sams AU, 3/06, 0/2000 no lates

Kays jewelers 7/2012, 1982/2929, no lates


One paid collection account opened July 2010 allianceone 

One legally paid for less than full balance collection account from 4/2010


One paid satisfactorily auto account from April 2010 to June 2011

One paid was 120 days 3+ times toyota auto loan paid April 2010 (Ouch)

One paid satisfactorily toyota loan from 10/02 to 10/04



Message 23 of 32
Frequent Contributor

Re: Pulled the trigger, Discover IT


FICO = EQ: 786 (1/15) TU:774 (2/15) EX: 767 (2/15)
Message 24 of 32
Frequent Contributor

Re: Pulled the trigger, Discover IT

Robertwd82 wrote:



Thanks. I guess I will wait for CC #3 (just opened) to report for a few months, and see what it does for me. Then I might give it a go.

Starting Scores: myFICO EQ: 678, myFICO TU: 676, myFICO EX: 678 (01/2013)
Latest Scores: myFICO EQ: 789, myFICO TU: 782, myFICO EX: 788
My Wallet: American Express BCE, NFCU cashRewards, Capital One Quicksilver, Discover It, Chase Freedom, Chase Amazon Rewards
Gardening since 02/07/17
Message 25 of 32
Established Contributor

Re: Pulled the trigger, Discover IT

Love them and their CSRs, they're always so chipper when you call them...

Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Message 26 of 32
Frequent Contributor

Re: Pulled the trigger, Discover IT

Good Call on pullin the trigger!  Now as soon as you can log onto your online account, sign up for your bonuses! 

Back in the garden!
App free since 23Oct2012 reset to 27Aug13 and reset again 4nov13
Message 27 of 32
New Contributor

Re: Pulled the trigger, Discover IT


In My Wallet: Barlclay NFL $4500 | Capital One Secured $300 | First Progress Secured $300| Walmart $600| New York & Company $500| Kohls $300| Discover IT $3000| Sears Citi|$4000|Walmart $800
First car lease $370 month August 2013
Signed First Mortgage August 2013
Starting Score: 581 EQ
Current Score: 658 EQ
Goal Score: 750
Message 28 of 32
Valued Contributor

Re: Pulled the trigger, Discover IT


Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Message 29 of 32
Regular Contributor

Re: Pulled the trigger, Discover IT

Shogun wrote:

     After surfing the boards, I decided to see if Discover had any pre-approvals for me.  Went to the website, put in my info and got my first pre-approval in over a decade.  I debated for a minute, then figure, why not.  I app'd and got an approval, but there was a problem with the site and I couldn't register.  I called CS and talked to a CSR out of Salt Lake City Utah.   She said it looks like you've been approved for a Discover It with a CL of $5500.   My next highest CL is my Barclay NFL at $2500 so this more than doubled it!   

Congrats!!  Nice limit!

NFCU cashRewards (22k) | Discover IT (8k) | AMEX EveryDay (5k) | AMEX Delta Gold (5k) | CSP (5k) | Marriott Rewards Premier (5k) | Citi Hilton Reserve(5k) | AMEX SPG (2k)
Scores: EQ - 670 | TU- 742 | EX - 691
Message 30 of 32