- Green Member
- Posts: 4
- Joined: Wed Aug 15, 2012 3:54 pm
- Location: Jacksonville Beach, Florida
Applied yesterday, Friday, 5pm using their standard invitation letter.
My FICO's, pulled last week, with UTI of 7% ($5100 credit), TU:666; EQ: 699.
First rep got some basic info, then put me on hold. He came back on and said he was transferring me after getting a few more info about me. Second rep was talking to me, while viewing my TU report. Asked me my job, income and why I had disputed a few items on my report (i.e., my student loan by ACS). Surprsingly, he listened.
He put me on hold few a few minutes, came back on and said, "Congratulations Mr xxxxxxx. Welcome to the Discover Family."
He then misspoke. He said my credit line was $13,000. Im sure he meant $1300. I dont make that much money for a $13,000 limit. I asked which reports he pulled, he said TU.
This morning I viewed my reports and found a HARD PULL on Equifax, too. Nothing on Experian.
Anyway, earlier in the day, I applied for the CHASE FREEDOM REWARDS. I have a CHASE checking account. My branch agent said I will get a letter, standard procedure. They ONLY pulled my Equifax.
So, in celebration of my DISCOVER MORE card, Id like to treat all of you to milk and cookies, on me, Andy Kaufman-esque, of course.
Refinance my auto through a CU, with their credit card approval (no rewards); DISCOVER MORE approval; (fingers crossed) CHASE FREEDOM approval and Im done for a year.
Need another year of solid payments on my student loan to bring my payment history up (multiple missed payments in past 25 months).
Hopefully, next year at this time, AMEX BLUE CASH PREFFERED and CHASE SAPHIRE PREFERRED. One can dream, right?!? ;-)