Discover

[Anonymous]

My AAoA was only 5 months and I was approved for Citi Double Cash, Discover it and American Express BCE. But my score was 740 or so. I have no clue how I have that kind of score with only 6 months AAoA. My profile at time was Barclay Apple, QS and QS1 and some store credit cards--a pretty thin profile.

[Anonymous]

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@Jesedmotherof5 wrote:
Also Im going to wait till after my cap1 posts my uti at less then 10% on friday 691 score was with 30%

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I think waiting is a good decision. Best of luck!

[RonM21]

Best of luck and smart move waiting.

[Anonymous]

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@Jesedmotherof5 wrote:
If I appy for a discover card will it give me the option of secured if I dont qualify for the unsecured?? Current EQ score 691. Only one baddie my student loan which still hasnt been picked up after 10 months of rehab.
Have only cap1 secured reporting cl 1401 and not reporting yet is cap1 plat cl 1000.

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You don't need to worry about getting an "option" to get the secured card anymore.

While Discover never used to market their secured card, you can now apply for it online:

https://www.discover.com/credit-cards/secured/

[Anonymous]

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@Jesedmotherof5 wrote:
How long ago did you apply? Currently I only have one card reporting soon to be two. I do have 10 years aaoa though.

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Like others stated, smart move to wait until your score update with the new util %. With a 10yrs AAoA, I would say you are good for a minimum SL of 5k plus. I say go for it then. I just want to go ahead and congrats you now for the approval.

[Anonymous]

10 years AAOA is solid. You'll be approved easy.

[Anonymous]

I knew of an instance where someone applied through my referral link for the regular Discover It, got denied, and the only other option they gave her was to go on a joint account with someone else in order to be offered a line of credit. So I don't know if Discover offering secured cards in lieu of a regular card denial. FWIW I got a Discover It student card last July going into my senior year with 0 credit history. I think it's somewhat random.

[Anonymous]

Discover was my first card.  Opened it with a 687 TU at the time.

[Jesedmotherof5]

Thanks guys... Im gonna hold out a bit longer. I just got my SL picked up yesterday so I may get a bigger score increase if there is dept if ed updates or removes. Ill keep you posted.

[AverageJoesCredit]

Everytime i have applied these last 2 years denied but offers of a joint applicant. No thanks if they let me in its gonna be on my terms no one elses cotails Good luck OP!