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Discover it approval

The last post in this topic was posted 2519 days ago. 


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After seeing on here that Discover was offering a secured 'it' card, I decided to apply as I like the cashback offers, purchase/travel coverages, and my parents have always had good luck with their customer service. I didn't think I'd get an unsecured one, but I knew you had to apply, get denied, get offered the secured one, etc. so I filled out the app a few days ago.


Well, this morning they called and left a VM asking me to call back, and when I did, they offered me an unsecured card! I was pleasantly surprised to say the least! It's a smaller limit ($1400), and a higher APR (22% I think she said) - but i won't carry much of a balance to rack that up. I'm just looking at it as a foot in the door with them to build a good history.


I don't know who they pulled, and I honestly don't know my scores right now (I guess I'll find out since they show your TU FICO =) - but I've still got old collections & stuff I'm trying to sort out that are showing. I do have a SDFCU secured card w/ $3500 limit that I carry some balance on and always pay way more than the minimum on, a car loan that's about a year old (and previous ones going back farther), etc. - so my current stuff is all positive.


Anyway, not a bad start to 2014 - some signs of progress in financial recovery :)

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Congrats on the card.


If you have a Chevron nearby be sure to register for the 5% promotion mentioned here http://creditboards.com/forums/index.php?showtopic=522081&hl=.

Thanks for the tip! I'll take a look - I can't remember if there are any or not. I know the ones by my parents house are usually the highest price for gas unfortunately though.



Chevron is the most expensive station near me also, but with my 4.2% back on my PenFed card and the gasoline discount I get from grocery purchases from Vons, I still come out way ahead when I buy gas there, most of the time. Better net price than Costco, and I don't have the indignity of waiting in line.

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The FICO is definitely a bonus! I've pretty much stopped using my debit card, so I think the cash back is probably worth more than my rewards points on the SDFCU card.

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