Did any one get Discover Card lately?

[Red1Blue]

Did any one get Discover Card lately? What kind of scores do we need to get a Discover Card? The last major card I do not have is Discover. However, I am not going to app for it unitl all 3 scores reach low 700's at least. I am curious what kind of approval requirements Discover has now a days,

[mphan]

Mine was ~700 when I applied with 3 cards, 2 years of good history and 12 inqs (I was seeking for credits, haha) on my report. If you are student, it's easy to get since they don't require a big income. I'm very happy with my Discover Open Road.

[Anonymous]

if you mean within the last 6 months - I got my Discover more july 08. my scores: EX: 814 EQ: 804 TU: 795 - no inqs at the time and 1 % util.

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@Red1Blue wrote:
Did any one get Discover Card lately? What kind of scores do we need to get a Discover Card? The last major card I do not have is Discover. However, I am not going to app for it unitl all 3 scores reach low 700's at least. I am curious what kind of approval requirements Discover has now a days,

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[Anonymous]

I got the More card back in November with okay scores. It was instant, after address verification.  And speaking of, I made a payment to Discover this morning, checked my contact info, and they had changed my home town. I live in a small town called Yreka (why-REE-ka), Discover changed the name and zip code to Eureka, CA. I haven't checked to see if there's a new address on my cr yet. So far, that's the only complaint I've had with Discover.

[Anonymous]

I always here you can get the Discover More with a score over 680, but the conditions won't be that good then. I got a "medium quality" card, but can't tell you what my EX was when I applied September '08. Definitely above 700, though. Took them 7 days to think that over.

Message Edited by Ulan on 02-16-2009 04:24 PM

[haulingthescoreup]

Definitely above 700, and I'd say above 720 with reasonably clean reports as well and low util, to increase your chances of not wasting an inq.

Discover went on a pre-approval spree last summer, and a lot of our members got in with much lower scores, but that was very much a one-time thing. I remember that we were speculating at the time whether they were going after the folks that AmEx had just dumped from their Delta card.

[Anonymous]

I got mine at the end of August - they pulled TU (744 at the time, don't know why I remember that) and gave me a $4900 limit. I'd received a preapproved offer (first of many, but I accepted the first one to land in my mailbox) but didn't get instant approval online - I got the message to call because they needed to verify some information. Think they basically needed to verify my identity - after a few more questions to prove I was me, they said I was approved.

[Red1Blue]

I am too old to app for any more credit cards. May be couple of years from now I'll look into getting a Discover. For now I have HSBC Discover for Personal Card and Sams Club Business Discover Card for my Business. I am retiring from credit building and now in the credit nurturing mode. I am glad for all the help and advice I received from every on on this forum.

[Anonymous]

I got the Discover More card this past December. They apparently pulled my EQ score. It was at 709. They may approve with only 650 I hear, so give it a shot if you haven't already. Good luck. 

[haulingthescoreup]

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concorduser wrote:
I am too old to app for any more credit cards. May be couple of years from now I'll look into getting a Discover. For now I have HSBC Discover for Personal Card and Sams Club Business Discover Card for my Business. I am retiring from credit building and now in the credit nurturing mode. I am glad for all the help and advice I received from every on on this forum.

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Congrats, good decision.

All these banks will still be there when your scores are all well up in the 700's. And if they're not, then you definitely didn't want them!