Credit Card Center Advertiser Disclosure

Valued Contributor
Posts: 2,118
Registered: ‎12-29-2011
0 Kudos

Re: Discover More

pt2005 wrote:

maiden_girl wrote:

I just noticed Discover got rid of the credit score tracker...I was going to enroll today too. Damn.

I read from last week that Discover is paying $214 mil for court fines and stuff for "misleading" users to register for the ScoreTracker. Looks like they will hold on to it for a while to make some changes, or they will simply drop it.


Anyway, back to the original topic: I got approved for $1000 with 3.99 APR. Got 7-10 message. Called Analyst and talked to about 15 minutes. Finally he said "it looks like you're rebuilding your credit, right?" I said yes. Then he gave me $1000. That was Oct 2012. Since then I've been using it a lot by putting 2-3K through it already and paid like 5 times. Have not seen an Auto yet. Also I tried calling numerous numbers to ask for CLI but received message "You have to wait 6 months".


I would like to hear from folks who receive auto CLI from Discover before 6th month. Thanks

3.99 APR? Wow. I got approved with a 18.99% APR after my 0% promo period. You must have been invited. Pre-approval right? Right after I did the app, I got a preapproval for 9.99% APR. Lol. Discover is somewhat conservative. They do give auto CLIs after 6 months (6 statements). I still have 3 more statements to go before I see an increase. I made a lot of use out of my card so we shall see what they give me.

As of 2017, rebuilding...
Established Member
Posts: 14
Registered: ‎12-06-2012
0 Kudos

Re: Discover More

My wife got it with a 658 EQ. She had some baddies from 2007. Had to call in but approved for $1200.
USAA World MasterCard 10000, American Express EBC 2000, Citi Diamond Preferred 1000, Chase Freedom Visa 1500, Lowes StoreCard 800,USAA Classic Platinum MasterCard 500, BOA 123 Visa 1000
Your FICO® score at Equifax is
676 as of December 6, 2012
Valued Member
Posts: 49
Registered: ‎11-02-2012
0 Kudos

Re: Discover More

I was invited to apply. My EQ FICO was 670 at the time. I only had student loans that I have been paying on since 2006 (one which was almost paid in full)...never late. SO this was my first card and I was instantly approved for $11.3K

In my wallet: Discover More $11,300 11/2/12 | Chase Freedom $500 11/8/12

Initial 10/14/12 (Free Score): TU 621 /EQ 621 /EX 618
Current: 1/13/13 (Free Score): TU 708 /EQ 677 /EX 698
Initial EQ FICO: 670 11/2/12
Current EQ FICO: 698 1/13/13

Valued Contributor
Posts: 1,527
Registered: ‎09-14-2012
0 Kudos

Re: Discover More

I had a 719 at the time, they pulled Equifax and gave me $10,000

Starting a whole new chapter
Established Contributor
Posts: 655
Registered: ‎12-12-2012
0 Kudos

Re: Discover More

I was approved with a score in teh 700s.  They started me out with a low limit.  They tripled it in about a year or so without my asking.  Shopdiscover and the 5% categories are awesome.  I highly recommend this card.

Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward,
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.