Would it be wise for me to remove First Progress credit card?

[thornback]

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@DarkKnight_Credit wrote:

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@Remedios wrote:

Your APR is going to be high (ish), but since you're rebuilding you shouldn't be carrying balances anyway. 

What does pre-approval lists for APR? 

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I think it's around 22% for the pre-approval.

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Yeah thats already on the highend.  IIRC, Disco's low is 12.99%...(? maybe lower now due the fed rate reduction).

[Remedios]

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@DarkKnight_Credit wrote:

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@Remedios wrote:

Your APR is going to be high (ish), but since you're rebuilding you shouldn't be carrying balances anyway. 

What does pre-approval lists for APR? 

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I think it's around 22% for the pre-approval.

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Is Amex reporting yet? 

[DarkKnight_Credit]

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@thornback wrote:

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@DarkKnight_Credit wrote:

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@Remedios wrote:

Your APR is going to be high (ish), but since you're rebuilding you shouldn't be carrying balances anyway. 

What does pre-approval lists for APR? 

---

I think it's around 22% for the pre-approval.

---

Yeah thats already on the highend.  IIRC, Disco's low is 12.99%...(? maybe lower now due the fed rate reduction).

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That would be for users with good credit, right? All of my credit cards is above 20%.

[DarkKnight_Credit]

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@Remedios wrote:

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@DarkKnight_Credit wrote:

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@Remedios wrote:

Your APR is going to be high (ish), but since you're rebuilding you shouldn't be carrying balances anyway. 

What does pre-approval lists for APR? 

---

I think it's around 22% for the pre-approval.

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Is Amex reporting yet? 

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Yea, Amex reported last week for the fist time. So my score jumped up +6 points with Transunion and Equifax. Around 16 points with Experian. My highest score is 677.

[thornback]

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@DarkKnight_Credit wrote:

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@thornback wrote:

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@DarkKnight_Credit wrote:

---

@Remedios wrote:

Your APR is going to be high (ish), but since you're rebuilding you shouldn't be carrying balances anyway. 

What does pre-approval lists for APR? 

---

I think it's around 22% for the pre-approval.

---

Yeah thats already on the highend.  IIRC, Disco's low is 12.99%...(? maybe lower now due the fed rate reduction).

---

That would be for users with good credit, right? All of my credit cards is above 20%.

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Yeah - clean reports (no negatives/derogs), low-moderate util,  somewhat aged, no recent credit seeking. 

[DarkKnight_Credit]

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@thornback wrote:

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@DarkKnight_Credit wrote:

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@thornback wrote:

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@DarkKnight_Credit wrote:

---

@Remedios wrote:

Your APR is going to be high (ish), but since you're rebuilding you shouldn't be carrying balances anyway. 

What does pre-approval lists for APR? 

---

I think it's around 22% for the pre-approval.

---

Yeah thats already on the highend.  IIRC, Disco's low is 12.99%...(? maybe lower now due the fed rate reduction).

---

That would be for users with good credit, right? All of my credit cards is above 20%.

---

Yeah - clean reports (no negatives/derogs), low-moderate util,  somewhat aged, no recent credit seeking. 

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Ah ok, gotcha. My reports are nearly clean. The only negative I have right now is Santander Auto, but I paid for settle, which jumped +25 points in November. That was how I was able to get Amex I think.

[thornback]

Yes, Amex is usually willing to give you a shot if your outstanding debts are paid. 

Congrats on all of your progress so far - youre almost there!

IMO,  app for Disco whenever you're ready - i think you'll be fine and their pre-approvals are usually pretty solid.  But once approved - thats it - go sit in the Garden til your youngest turns a year old. 

[DarkKnight_Credit]

Thanks! It took time and a lof of hard work, but it's paying off!

I'll probably get discover within a few months. 

[Remedios]

Just go for it when you're ready 

Worst case scenario, you end up with HP. That's hardly end of the world.

Best case scenario, you end up with a great card, and lose a free harvester, which is what FP is. 

Meanwhile, did you try to PC your cap one to QS yet? 

[thornback]

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@DarkKnight_Credit wrote:

Thanks! It took time and a lof of hard work, but it's paying off!

I'll probably get discover within a few months. 

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Been there, done that!  So I completely understand the work that goes into it.  Take pride in your achievements - it's not easy.

Be sure to keep us all updated - good luck with the rest of your rebuild - and welcome to the forums!