Regular Contributor
Posts: 105
Registered: ‎11-15-2011

Discover More

What did it take for you to get approved.  Score?  Limit?  Who did they pull?  I'm thinking that this would be the best card to add to my portfolio and closing my capital one cash rewards with the low limit and AF.


cc's copy
Posts: 80
Registered: ‎11-01-2012

Re: Discover More

806 Equifax $7500. Seems like a nice company so far
The ole wallet~ BOA AMEX $10k | Discover IT $9k | AMEX TE $8.8k | Citi TY Pref $8k | Barclays Arrival WMC $7.5k | Paypal SC $5k | Dell $4k |Chase Feedom $3.5k | Amazon Store Card $2.5k | Citi Citgo $1.6k | Captial One QS $1.2k

Fico scores TU 814 EQ 806 EX ?
Posts: 106
Registered: ‎07-15-2011

Re: Discover More

I received a pre-approval in July 2011.

Checked my scores and CR's before app'ing online, scores were 685-715 across the different channels.

Called the number, gave invitation code and all that, annual net income, monthly rent.

Approved for 3,500. What's funny is that the CSR asked if that'd be enough! I said yes, not wanting to sound needy!


They pulled either Experian or Equifax. I can't recall. Pretty sure Experian, sounds right for some reason.

I've had a balance on it ever since, grow gradually with their 18 month 0% offer.

2 increases automatically in past year, but will request one once I pay my remaining balance off.

Frequent Contributor
Posts: 386
Registered: ‎09-08-2010

Re: Discover More

690 on Equifax.  got a 7500 limit.  I was shocked since i wasn't in the 700 club yet . . .

Back in the garden!
App free since 23Oct2012 reset to 27Aug13 and reset again 4nov13

Established Contributor
Posts: 566
Registered: ‎06-04-2012

Re: Discover More

I had like 712-713ish on Equifax and that's who they pulled for me. Gave me a 2K CL with limited history. Also gave me 0% intro APR for like 15 months. Woo-hoo.




EQ: ??? (No Current)
EX: ??? (No Current)
TU: 667 (Discover FICO) 6/12/14

Last App 12/17/13... In Garden 'till July/August '14
Regular Contributor
Posts: 105
Registered: ‎11-15-2011

Re: Discover More

This is sounding very good to me...


Keep them coming!  I can't wait to axe Capital one at this point...

cc's copy
Regular Contributor
Posts: 118
Registered: ‎08-13-2012

Re: Discover More

I was at 645 with Experian when I was approved for $1,500 credit line. I've only had it about 6 weeks so no increases yet but hopefully it will grow quickly.

Starting scores 2/27/12 TU 605 EX 576 EQ 560
Current scores lender pull 9/6/12 TU 663 EX 629 EQ 645
Closed on our first home 10/26/2012!
Frequent Contributor
Posts: 464
Registered: ‎10-29-2012

Re: Discover More

Well let's see, I had one credit  card open for 6 months. No derogs or any negative stuff on my CR's. I am a student with 12,000 income. I bought my TU and EQ scores at the 6 month mark (okay a little after) and they came back at 731 (EQ) and 742 (TU). Decided to pull the trigger anyway and see what happens. They pulled Transunion here in California. Score came back at 739 from Discover but was approved anyways. 1.5k limit. I like it so far, but I only plan to use it for the categories that they have. Good luck. 

Bank of America: Cash Rewards.-1,000. 4/25/12 (CLI Increase 6/15/13), Citi: Forward- 3k. 10/27/12 (CLI on 2/8/14, SP). Discover: More- 2k. 10/27/12 (Increase 6/1/14). Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 2.4k. Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-4k.12/8/13. Last App: 1/8/14.
Regular Contributor
Posts: 201
Registered: ‎12-04-2011

Re: Discover More

665 Equifax and 659 TU at time of pull.  Lots of derogs including a foreclosure that was right at 2 years old, lots of 30 and 60 day lates, 1 CO.  Instant denial, called back door $1k approval, 10 months later $5.7k :-)  Still only at a 698 TU at time of CLI.  I ran $10k through the card in the 9 months prior to CLI all multi payments each month never carried a balance.

Posts: 78
Registered: ‎03-02-2009

Re: Discover More

I applied online last week.  My EQ was 670 and TU 681.  


I was given the 5-7 day message online, called in backdoor.  They had a couple financial questions, approved for 3k.



myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+