congrats on the hard work and great outcomes.
Started my rebuild in October 2016 after 15 years of being told cancer would kill me in six months.. finally stopped listening to the doctors and just plan on living. From Oct 2016 to today Aug 18 2017, I have gone from no open credit lines to 51K including the 6K Discover It card I got today. I don't expect to get to $300K but if I hit $100K in under 2 years total I will be more than happy.
Welcome. Fighters fit right in here.
Welcome to CB!
Congratulations on the Discover approval... nice starting line!
Thanks, a couple funny things about the Discover approval.
First is i got an Invitation to Apply in a heavy, waxy envelope with a set APR (14%). This is the first Invitation I have gotten from them so I was wary about using another HP on it as I had applied months before and was denied.
The second interesting thing is that the Invitation was also in my Find Which Card results, so I thought that was a good sign.
The third thing, is that since Discover seems to like thin files and students I checked the box that said Grad Student and filled in which university I am at and it also asked me how much I have in personal assets like CD's etc.
When I hit submit it came back in about 10 seconds and said I needed to call a number, which i took as a really good sign or a really bad sign, I was not sure,
Got a guy in Provo Utah on the phone, nice and cheerful man, who said they wanted to verify information, which was okay. The invite said I could BT but the web form did not allow it, so I aksed about that, and he took down two accounts to BT but told me a number I could call in 8 days to cancel the BT's if I wanted too, so cool. I was adding them in hopes it might bump me across any credit line that I might reach on what they would offer me.
He ran the app and it came back that on the Student card they would only give me 1K and with the BT's that line would be eaten up at 95% of the CL which would have been a bad thing. Then he asked if I would like to see what it would be if I applied as NOT A STUDENT and bingo 6k intial CL.
During this process I got a HP on TU then overnight EQ posted an HP. Funny enough my FICO EQ from myFico is 25 points lower than my TU, but my EQ Fico from EQ is 35 points higher than the myFico score.
now I have to find out the CLI policy on Discover cards. I have to wait until the card arrives to set up the web account, by then I will figure out if I can hit the love button right away, who knows I might squeak out another 1 or 2k on this new CL.