I chose to apply for the Discover It card for the 18 month 0% interest balance tranfer offer.  I have high credit card debt and am 7 months into a 24 month plan to pay my total balance to 0 and this will put me on the fast track to achieve my goal sooner.  I was hesitant to apply based on my high debt level and expected a high interest rate if approved.

    I filled out the online application and after a few seconds I was redirected to a page that said my application was being reviewd and I would receive an approval decision within 5-7 days OR I could call the given number to expedite the process.  I called and was talking with a credit application consultant within about 2 minutes.  From starting the online application to being approved on the phone call took was under 10 minutes and I was given the limit over the phone. See numbers below.

     The process was simple and the customer service on the phone call was excellent and hassle free!   I applied for this card on April 17th and recieved it April 23rd.  The website is very user friendly with great security features and is better than the others I use.  After my my debt is down I plan to negotiate the limit/rate and make this my primary card because of the experience so far and the rewards program.  I hope everyone else has the same experience I did.   Here is the stats I had going into the application:

CK score: 717                                                                                                                                                            Vantage Score: 761                                                                                                                                                                                                                                                                                                  Approved amount: $2400 with interest rate of 22.99% after the promotional periods (I'm sure it's due to my debt level)    FICO score: 721 (provided by Discover when I received the card in the mail)

I applied for the card, after having gone through bankruptcy in 2006, due to job los.  I was very surprised to be approved for the card.  Most of cards that I have applied in the last few months have denied the credit authoriztion.  

Reading all the reviews here I do not understand the fuss.  I have been paying more than the required payment the last three years with no issues, this place is no different than any other lender out there if you ask me.

With 589 i got approved for the card instantly credit limit is only 300 but i cannot complain.

they also adviced me that i will get credit line increase after 5 on time monthely payment.

thanks Capital one

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