@cats63 wrote:I was told to call after I get my card and and they would see about giving me a better deal. I called and they said I'm sorry but I can't change anything. Your more than welcome to call in the future and ask again. I guess my debt is the main problem here so I will work on paying it down and call when I have lower balances. Also there is still a 120 day late showing up from sears from 05, he said that was not hurting me it was all the new cards I have applied for lately and my debt. I guess I'm stuck at 22.99% for a long time. Discover does not impress me at all. This is the worst offer I have received all year.
I'd take that offer over the denial I got 
Would you prefer a decline? At least you got your foot in the door with a leading lender. Your credit worthiness may not support extending you more favorable terms. Discover is good, give it six months and have them revisit your APR.
Do you have a balance on your Discover card yet? It's amazing what they'll do for you once you have a 0 balance with them and your credit improves... I had a pretty big balance with them for years and they jacked up the APR and rarely budged on lowering it until my credit got better. Once I paid it off, I was getting a bunch of offers from them and even an unsolicited CLI! Just keep working on your credit and things will improve 
@hyprble wrote:Do you have a balance on your Discover card yet? It's amazing what they'll do for you once you have a 0 balance with them and your credit improves... I had a pretty big balance with them for years and they jacked up the APR and rarely budged on lowering it until my credit got better. Once I paid it off, I was getting a bunch of offers from them and even an unsolicited CLI! Just keep working on your credit and things will improve
If I'm not mistaken the OP was approved last week and they said this today "I was told to call after I get my card"
Good luck, I'm sure they will treat you well after six months history.