Finally, my very own Blue

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6 posts
MoMo
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Location: usa

Finally, my very own Blue

Postby MoMo » Sun Feb 10, 2013 11:28 am

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...!!!

Image

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

Image

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!!!


MemberSince99
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Location: WI

Postby MemberSince99 » Mon Feb 11, 2013 12:27 pm

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.

0_to_60
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Postby 0_to_60 » Mon Feb 11, 2013 1:08 pm

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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Calipso
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Postby Calipso » Mon Feb 11, 2013 2:49 pm

It's amazing how easy things can get with good credit. Congrats OP.
My Limits:
NFCU NavCheck: $15,000/NFCU Platinum: $11,500/NFCU nRewards: $8,000
Chase Freedom: $6,500/Chase Slate: $6,000/CSP: $5,000/Marriott Rewards Primier: $5,000/United MileagePlus Explorer: $5,000/Southwest Primier: $3,000
Citi Hilton HHonors: $9,700/Citi Simplicity: $8,200/Citi Forward: $5,500
AMEX Blue Cash Everyday: $8,000/SPG AMEX: $5,000/AMEX Everyday: $5,000/AMEX Delta Skymiles Platinum: $3,400
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: $129,500

MoMo
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Joined: Sun Feb 10, 2013 10:46 am
Location: usa

Postby MoMo » Mon Feb 11, 2013 3:14 pm

0_to_60 wrote: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.

Randiesel75
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Joined: Thu Dec 27, 2012 8:43 pm
Location: Clark, NJ

Postby Randiesel75 » Mon Feb 11, 2013 6:33 pm

Calipso wrote:It's amazing how easy things can get with good credit. Congrats OP.


So true, things really open up.



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