MasConcepts Incorporated

I am absolutely floored.

Just approved for my first card – Discover 12K CL. 0 percent balance transfers and purchases for 15 months!!

I’m 2 months post discharge and was planning to wait until next month to apply for my first CC. Then I decided today that I would just check some pre-qualification sites. In order to do this I had to unfreeze my reports.

I first checked Navy Fed. I got prequalified for their secured cash rewards – I was expecting this. I was planning to wait until next month to apply for their unsecured (I have a pristine 10 year relationship with Navy – numerous high CL cards that closed when I filed and didn’t burn them)

I then checked cap 1 – prequalified for savor, ventureone, quicklsilver and platnium

I then checked Discover – prequalified for discover it.

I had a great relationship with both discover and cap 1 – didn’t burn them/had their cards for 9-10 years perfect payments etc.

But what concerned me was the 3 hard pulls I would take if I accepted one of the capital 1 offers – and being in a bucket card product – I know I shouldn’t be picky. But I’m new to being subprime and need to get over it. When I filed I had a 785 FICO and hundreds of thousands in available credit.

I decided to pull the trigger on Discover and waited a long 60 seconds fo rthem to process my application – and BOOOM – 12K Credit Line!

For reference my previous card with discover was 15K – so this is pretty awesome! Thank you discover!!!!

For reference –

Scores when filing 785/791/788

Scores 2 months post discharge 661/668/621 (TU has an error that needs correcting)

Discover pulled Experian.