Good evening all,
Wanted to start by thanking everyone for the all great information I have been finding on these boards! Today I received my Discover card, which I had applied for late last Saturday evening. As I detailed in a reply I posted in the thread "Discover Cannot Find Application," my application wasn't located at first due to the weekend data updating/maintenance so frrom actual approval on Monday to delivery today seemed plenty fast to me. My datapoints are:
Starting SL is 18k with the 0%/12month offer followed by regular 11.24% APR.
FICO 8s EQ 831 (as of 9/19/1) TU 829 (as of 9/25/16) EX 822 (as of 9/23/16).
I've never had a Discover before so I'm excited to have it for the rotating 5% cb catagories which match my spending patterns well.
My big question is this though. I have the myFICO Ult. 3B alert/monitoring service and I never received any alert of a hard inquiry when I submitted the app (neither online nor when I called in on Monday after the application not showing online). Then tonight when I activated the card and setup online I clicked to see the FICO score provided by Discover and it said one wasn't available to show me. The paperwork that came with the card does show the EQ score of 831 though so they must have done a hard pull right? I'm due for another complete set of reports from myFICO here at the end of October so I will wait till then to verify the inquiry, but was looking for some input from you experts on why I never received any alert for the inquiry?
Thanks again for the really helpful info and advice you provide here on the boards!!