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discover it odds

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juniornj23
Established Contributor
‎07-29-2014 08:37 PM
‎07-29-2014 08:37 PM

discover it odds

i did the pre approve link and they have a offer for me my question is should i wait until i pay off all my account to apply for it i dont want to get a HP for nothing 

at this point im using 67% of UT  and not baddly  on my TU 

Amex ED (2000) Amex BCE (2000) Amex macys (5000) Amex Gold , VENTURE (5000) MC PLATINUM (600) CAP QUICKSILVERONE (1250) CAP QUICKSILVER (4500) CAP QUICKSILVER (3500) PENFED AMEX (5000) PENFED CASH REWARDS (25,000) PENDFED REWARDS VISA SIGNATURE (20,000) UPROMISE (1000) NFL (4000) OVERSTOCK (2800) HSN (3200) DISCOVER IT(8500) AMAZON PRIME (10000) MARVEL(7000) BOF VISA(2000) BEST BUY VISA CITI (9000) BLISPAY (9000)Amex Magnet (10,000) Uber (3100)

WELCOME TO 100K CLUB . LAST APP 08/29/18 Credit Score 8 TU 720 EQ 705 EX 724

Starting Score: 640
Current Score: 720
Goal Score: 850

Take the myFICO Fitness Challenge

CARD I want .
Chase Freedom and US cash +

Now back to the garden until 2020
Message 1 of 10
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GlocksAndCredit
Regular Contributor
‎07-29-2014 08:55 PM
‎07-29-2014 08:55 PM

Re: discover it odds

@juniornj23 wrote:

i did the pre approve link and they have a offer for me my question is should i wait until i pay off all my account to apply for it i dont want to get a HP for nothing 

at this point im using 67% of UT  and not baddly  on my TU 

67% UTIL? If they do approve you, it would be a low CL IMO - but YMMV. I would get my UTIL to <15% if possible. What's your AAOA; and what current cards do you have? What are your scores looking like?

 

Also - Discover's Pre approval "recommends" the Discover IT for everyone. 

CSP $9500, CapitalOne VentureOne Sig Visa $8000 Chase Freedom Sig Visa $5000, Citi ThankYou Preferred Sig Visa $5000, Amazon Store Card $5000, Discover IT $4800, CapitalOne Quick Silver MasterCard $4000, Fidelity AMEX $4000, Sallie Mae Mastercard $3300, Hilton Honors Sig Visa $3300, Citi Double Cash $2700, SunTrust Cash Rewards $2500, Citi Simplicity Visa $2300, AMEX BCE $2000, AMEX Everyday $2000, AMEX Delta SkyMiles $2000, Amazon Reward Visa $1800, BP VIsa $1800, Barclays Apple Visa $1700, Suncoast FCU $1000, Target REDCard $900

Current Scores: EQ 727 (Fico), EX 735 (Fico) **In the Garden unti....forever.
Message 2 of 10
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mongstradamus
Super Contributor
‎07-29-2014 08:58 PM
‎07-29-2014 08:58 PM

Re: discover it odds

If you are borderline with discover I wouldn't app. You will probably get low credit limit and won't be able to get sp CLI for almost a year, as usual ymmv



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 3 of 10
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juniornj23
Established Contributor
‎07-29-2014 09:02 PM
‎07-29-2014 09:02 PM

Re: discover it odds

WELL  on my TU is 650 no baddly 

best buy 300

credit one bank 1050

credit one bank 500

capital one quicksilve 500

capital one jourly  300

fiest premier banck 700

AAoA IS 3 YEARS 3 moths my last app was 1 moths ago , i really want to get primer card so i can closes the one with higth AF

any advices will be greatful i think i should way until i pay off my UT 

Amex ED (2000) Amex BCE (2000) Amex macys (5000) Amex Gold , VENTURE (5000) MC PLATINUM (600) CAP QUICKSILVERONE (1250) CAP QUICKSILVER (4500) CAP QUICKSILVER (3500) PENFED AMEX (5000) PENFED CASH REWARDS (25,000) PENDFED REWARDS VISA SIGNATURE (20,000) UPROMISE (1000) NFL (4000) OVERSTOCK (2800) HSN (3200) DISCOVER IT(8500) AMAZON PRIME (10000) MARVEL(7000) BOF VISA(2000) BEST BUY VISA CITI (9000) BLISPAY (9000)Amex Magnet (10,000) Uber (3100)

WELCOME TO 100K CLUB . LAST APP 08/29/18 Credit Score 8 TU 720 EQ 705 EX 724

Starting Score: 640
Current Score: 720
Goal Score: 850

Take the myFICO Fitness Challenge

CARD I want .
Chase Freedom and US cash +

Now back to the garden until 2020
Message 4 of 10
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juniornj23
Established Contributor
‎07-29-2014 09:04 PM
‎07-29-2014 09:04 PM

Re: discover it odds

I rather to wait for 5 or 6 more moths i dont want low limit my next card i want to be at leas 1,000 so i can closes 3 or 4 sub-primer card

Amex ED (2000) Amex BCE (2000) Amex macys (5000) Amex Gold , VENTURE (5000) MC PLATINUM (600) CAP QUICKSILVERONE (1250) CAP QUICKSILVER (4500) CAP QUICKSILVER (3500) PENFED AMEX (5000) PENFED CASH REWARDS (25,000) PENDFED REWARDS VISA SIGNATURE (20,000) UPROMISE (1000) NFL (4000) OVERSTOCK (2800) HSN (3200) DISCOVER IT(8500) AMAZON PRIME (10000) MARVEL(7000) BOF VISA(2000) BEST BUY VISA CITI (9000) BLISPAY (9000)Amex Magnet (10,000) Uber (3100)

WELCOME TO 100K CLUB . LAST APP 08/29/18 Credit Score 8 TU 720 EQ 705 EX 724

Starting Score: 640
Current Score: 720
Goal Score: 850

Take the myFICO Fitness Challenge

CARD I want .
Chase Freedom and US cash +

Now back to the garden until 2020
Message 5 of 10
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bigblue7722
Valued Contributor
‎07-30-2014 04:13 AM
‎07-30-2014 04:13 AM

Re: discover it odds

Yeah I would wait a while and get your util down. And at the time of your app if your still unsure I would apply for the chase freedom instead. Reason being u can recon with chase and u can't with discover. Discover may offer a secured card or a joint application...
AMEX PRG NPSL,Lowes $17000,Capital One venture card $12,000,Us Airways mastercard $9500,Fidelity Amex $9000, Discover it $8000, Capital One Venture One $7500, BOA 123 rewards $7500 CSP $6000, Capital One Quicksliver $5500, Amazon Store card$5000,Barclay
Card Ring $5000 Chase Marriott $5000,Chase Hyatt $5000, Sallie Mae Mastercard $4400, Paypal smart connect $4000,Chase Freedom $3200, Capital one Quicksliver visa $3000, Chase IHG Rewards $2300, Chase Southwest Premier $2000, Citi Double Cash $1500, AMEX BCE $1000

Last app July 22nd 2015- No apps for two years.
Message 6 of 10
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MT936
Established Contributor
‎07-30-2014 08:12 AM
‎07-30-2014 08:12 AM

Re: discover it odds

get your utilization under 10% before applying

Amex Blue Cash Everyday: $25,000 | Navy FCU Cash Rewards: $25,000 | Discover It: $20,500
Chase Freedom: $12,500 | Citi Double Cash: $10,000 | Bank of America Cash Rewards: $8,000

Message 7 of 10
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juniornj23
Established Contributor
‎07-30-2014 08:30 AM
‎07-30-2014 08:30 AM

Re: discover it odds

I want to app only to card that use TU CRA since is the one that is 100% clean
Amex ED (2000) Amex BCE (2000) Amex macys (5000) Amex Gold , VENTURE (5000) MC PLATINUM (600) CAP QUICKSILVERONE (1250) CAP QUICKSILVER (4500) CAP QUICKSILVER (3500) PENFED AMEX (5000) PENFED CASH REWARDS (25,000) PENDFED REWARDS VISA SIGNATURE (20,000) UPROMISE (1000) NFL (4000) OVERSTOCK (2800) HSN (3200) DISCOVER IT(8500) AMAZON PRIME (10000) MARVEL(7000) BOF VISA(2000) BEST BUY VISA CITI (9000) BLISPAY (9000)Amex Magnet (10,000) Uber (3100)

WELCOME TO 100K CLUB . LAST APP 08/29/18 Credit Score 8 TU 720 EQ 705 EX 724

Starting Score: 640
Current Score: 720
Goal Score: 850

Take the myFICO Fitness Challenge

CARD I want .
Chase Freedom and US cash +

Now back to the garden until 2020
Message 8 of 10
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mongstradamus
Super Contributor
‎07-30-2014 08:32 AM
‎07-30-2014 08:32 AM

Re: discover it odds

@juniornj23 wrote:
I want to app only to card that use TU CRA since is the one that is 100% clean

For me discover was an eq puller not TU, YMMV



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 9 of 10
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Scupra
Super Contributor
‎07-30-2014 09:35 AM
‎07-30-2014 09:35 AM

Re: discover it odds

Discover wanted to pull my EQ report, it was frozen and they would not pull TU when I asked them to. YMMV and good luck

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 10 of 10
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