Credit Card Forum
  1. #1
    Green Member
    Join Date
    Feb 2013
    Location
    usa
    Posts
    4

    Default Finally, my very own Blue

    I had my eyes on this card for quite sometime. I was crushed the first time I got denied. When I received my letter, it said;

    -the my debt to income ratio was high at around 47%, (so I paid it all off)
    -credit not establish long, (about 2 years)
    -account not paid as agree, (my only negative, but it is 6 years old)
    -my credit score was I think 732 at the time, 1 negative (mentioned above) and everything else was in the clear.

    So, yesterday I decided reapply and...!!!



    Also, I tried my luck with the new Discover It as well...



    I'm really excited as I worked really hard to clear my report for the last 7 years and the only credit card I had was a secured one by Wells Fargo. Here's to a new year of credit responsibility!!!
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  2. #2
    Centurion Member MemberSince99's Avatar
    Join Date
    May 2012
    Location
    WI
    Posts
    3,679

    Default

    Congratulations to you on both approvals!!! That's terrific, great job!

    I've never seen that Discover instant approval screen personally before, so thanks for sharing what it looks like. I've gotten 3 of their cards in the last year but none were instant. So you've got me beat.
    FICOS
    TU: 785 January 2014
    EQ: 772 January 2014
    EX: 773 January 2014
    TU08 (Barclay's) 794 January 2014

    Cards:
    Associated Bank Accelerated Rewards Signature Visa 21.5k (05/12)
    Chase Sapphire Preferred Signature Visa 5k (5/13)
    Amex Gold NPSL (5/13 - backdated to 5/99)
    Barclay's Arrival World MasterCard 10k (11/13)
    Citi Dividend Visa 6.3k (12/13)
    Chase Freedom Signature Visa 7k (1/14)
    Bank of America Travel Rewards Signature Visa 10k (2/14)
    Discover IT 4.5k (2/14)
    Amex Everyday Preferred 2k (3/14 - backdated to 3/99)

    Garden: Card carrying Garden Club member. Gardening until 2014!
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  3. #3
    Gold Member
    Join Date
    Oct 2012
    Location
    California
    Posts
    36

    Default

    Congrats, get ready to see your fico score plummet 15-30 points in the coming month for new inquires and accounts
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  4. Centurion Member Calipso's Avatar
    Join Date
    Oct 2012
    Location
    Boston
    Posts
    196

    Default

    It's amazing how easy things can get with good credit. Congrats OP.
    My Limits:
    NFCU NavCheck: $15,000/NFCU Platinum: $10,000/NFCU nRewards: $8,000
    Chase Slate: $6,000/CSP: $5,000/Marriott Rewards Primier: $5,000/Chase Freedom: $4,500/
    /Southwest: $3,000
    Citi Hilton HHonors: $8,300/Citi Simplicity: $6,800/Citi Forward: $4,100
    AMEX Blue Cash Everyday: $8,000/SPG AMEX: $5,000/AMEX Hilton HHonors: $3,400/AMEX Delta Skymiles Gold: $2,000
    Discover IT: $7,700
    Barclay's NFL Extra Points (Carolina Panthers): $5,000
    DCU Platinum: $3,000
    RTN FCU CC: $2,000
    CCCU Platinum Rewards Visa: $2,000

    Current total limit: $113,800
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  5. #5
    Green Member
    Join Date
    Feb 2013
    Location
    usa
    Posts
    4

    Default

    Quote Originally Posted by 0_to_60 View Post
    Congrats, get ready to see your fico score plummet 15-30 points in the coming month for new inquires and accounts
    Well, I don't plan on getting any new credit/loans for the rest of the year or next for that matter, now that I received both the Discover and American Express which was what I really wanted. So 15-30 points was worth it in my opinion.
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  6. #6
    Platinum Member
    Join Date
    Dec 2012
    Location
    Cranford, NJ
    Posts
    80

    Default

    Quote Originally Posted by Calipso View Post
    It's amazing how easy things can get with good credit. Congrats OP.
    So true, things really open up.
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