Discover

[Breakthecycle2]

I know they seem tricky to get, but do you guys know what the optimal score and such are to get one?

[Anonymous]

Are you just want to get anything you can?  or specific one?

Do you really need to get one now?  or you can wait after your score reaches/over your goal score?

[Breakthecycle2]

I can wait. No rush, I would like to get any of them. I an not specific.

[score_building]

Ideally >690

supposedly motiva is a bit less difficult than the others.

[Anonymous]

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@Breakthecycle2 wrote:

I can wait. No rush, I would like to get any of them. I an not specific.

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Very Good.  If so just keep checking Discover web site.  You never know when they will add a new product.

By the way, I got my Discover More  a year a go for 2K CL with around 730.   Less than 40K of AI and No negative report on my CR.  I had 7 ccs already at that time, and this was my 8th one.   May be that is the reason of small CL, all my others are between 3K and 8.6K.

[Breakthecycle2]

Thanks for all the info...is there an easier one to get?

[ma_fico]

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@Breakthecycle2 wrote:

Thanks for all the info...is there an easier one to get?

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I had originally gotten a Motiva (did a BT to them and had high utilization on very few cards).  Once my BT was paid off, I converted it to a More - which has MUCH better benefits.  (You can't participate in the 5% bonus dealies with the Motiva, though you can utilize ShopDiscover.)

[tengtengvn]

I got my open road discover with 700 but I applied as student though.

[Anonymous]

When my credit score crossed the 700 mark I began getting pre-qualified offers from them. I'd say that's prob their number or somehwere near that with very few or no derogs.

[JHill]

My FICO fluctuated betwwen 785 and 805 after closing a car loan and opening two. I got approved for Discover More card with 785 FICO with an 8k credit limit. I did get the 'you will receive a decision in 30 days' when I applied online, but about a week later they emailed me the approval.