Should I give it another shot?

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
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Drudai
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Location: Illinois

Should I give it another shot?

Postby Drudai » Tue Jul 30, 2013 12:07 pm

I am happy with the cards I currently have,

- 5/3rd MC
- Chase Freedom MC
- CapOne secured (okay, maybe not happy with this $39 annual but beggers couldn't be choosers)
- Sears store card (I work there, stalk sales and rewards system to get discounts/free stuff)

However, what I really want to complete my 5 card hand is a Discover card.

I applied in December of 2012 and they didn't like how many inquiries I had (recently had 4-5 drop off, in April-May). I moved on to applying for my Chase Freedom and got approved for it so I was pretty over the moon with it.

I don't like using my CapOne, or even my 5/3rd, since Chase gives me 5% and no interest. But I want to get my foot in the door with Discover now while all my others are still young, as well as more rotating rewards.

Quizzle, Credit Sesame and Credit Karma are always wagging Discover it in my face as pretty much a shoe in.

Currently my score took a bit of a hit as my utilization was high right before it reported, 680, 670 and 704. But usually they're in the 710~740s, so I think it'll bounce back now that my util. is back down.

Anyway, should I hold out a little longer, maybe December/January? Will it look better to not pester them so soon, even though it's been 6 months?

I just don't want them to hate me forever. :mad:
[size=60]
Chase Freedom: $800
Chase Slate: $500
Discover It: $2000
Sears: $2000
US Bank: $500
AMEX BCE: $2000
[/size]


MemberSince99
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Postby MemberSince99 » Tue Jul 30, 2013 3:41 pm

I say go for it now. Inquiries don't mean much after 6 months or more with most lenders. The IT isn't that hard a card to get, you should be good at this point.

Drudai
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Posts: 55
Joined: Sun Dec 16, 2012 8:25 pm
Location: Illinois

Postby Drudai » Thu Aug 01, 2013 8:30 pm

Was a little nervous to be denied, but got a little bit of courage and went for it.

Instantly approved (first time for me!) and I set up my account but it didn't tell me what my limit was. I'm extremely pleased, x.

ETA:

I called because I'm impatient, I was approved for 2k!
I know that's relatively low for some but it's higher than my Chase/CapOne/Fifth Third. Sears card is 2K but that's about average for the credit apps I run at work.

Over the moon x2.
[size=60]

Chase Freedom: $800

Chase Slate: $500

Discover It: $2000

Sears: $2000

US Bank: $500

AMEX BCE: $2000

[/size]

MemberSince99
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Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Fri Aug 02, 2013 10:44 am

Congratulations good for you I"m excited for you! See you just never know until you try. Good work!

I've never been instantly approved by Discover and I've had a number of cards with them. You did very well.

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nismoZtuner
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Postby nismoZtuner » Fri Aug 02, 2013 12:42 pm

Drudai wrote:Instantly approved (first time for me!)
I called because I'm impatient, I was approved for 2k!


Congrats!. some how Discover only approved me with a $1500 credit limit. but 2 days before Discover- Amex approved me with a $2k credit limit..

now im rocking Discover and 2 amex cards(BCE and PRG)....
TU 752 (+4) - [5/9/2014] CK 726 - [11/24/14] EX 725 - [11/20/14] EQ 710
BankofAmerica Cash Rewards [2k] I American Express Blue Cash Everyday [3K] l Discover IT[2.5]
American Express Premier Rewards Gold [NPSL] I Marriott Rewards Premier [5k]
Chase Sapphire Preferred[7.3]
Inquires: TU(?) EX(?) EQ(?)
TCL-$19,800
Age-22



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