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Established Contributor
Posts: 651
Registered: ‎08-07-2012
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Score needed for Discover IT Card?

My Girlfriend is thinking about apping for a Discover card and not sure which one is best or easiest to get.She was considering the IT card but unsure what type of score is needed to get that card.Any suggestions?

 

Thanks

 

P.S.  Her TU is about 692 FICO

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Score needed for Discover IT Card?

I would say 660 at least no recent baddies or unpaid COs. Some payment history with a CC at least 6 months. YMMV of course.



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Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
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Valued Contributor
Posts: 1,583
Registered: ‎01-23-2013
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Re: Score needed for Discover IT Card?

All other things being good, that score should qualify her as long as she has a decent profile with no recent baddies.

 

Valued Contributor
Posts: 1,425
Registered: ‎08-30-2011
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Re: Score needed for Discover IT Card?

[ Edited ]

MountainHiker wrote:

My Girlfriend is thinking about apping for a Discover card and not sure which one is best or easiest to get.She was considering the IT card but unsure what type of score is needed to get that card.Any suggestions?

 

Thanks

 

P.S.  Her TU is about 692 FICO


From the Discover website, it's pretty much IT or nothing!  The IT card has replaced the More card, the only other personal card would be the IT for students.  There are several business cards offered, but that's about IT! :smileyhappy: 

 

While they formerly had other cards that customers still hold, I don't think anything else is available to apply for, at least not from their website.

Diners Club Premier MasterCard $50K / AMEX Gold NPSL / AMEX Zync NPSL / AMEX Blue Cash Preferred $14K / Bank of America Cash Rewards Signature Visa $15K / Merrill Lynch Plus Signature Visa $15K / Wells Fargo Propel 365 $15K / Chase Sapphire Preferred Signature Visa $10K / J P Morgan Select Signature Visa $10K / Chase Slate Visa $6K / CITI Diamond Preferred MasterCard $13.2K / Discover IT $10.5K / IberiaBank Select Visa $8K / 1st Command Bank Platinum Visa $7.5K // Home Depot $9.7K / Lowes $10K

EX = 818 EQ = 822 TU = 830 - 01/2015
Regular Contributor
Posts: 194
Registered: ‎01-26-2013
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Re: Score needed for Discover IT Card?


thom02099 wrote:

MountainHiker wrote:

My Girlfriend is thinking about apping for a Discover card and not sure which one is best or easiest to get.She was considering the IT card but unsure what type of score is needed to get that card.Any suggestions?

 

Thanks

 

P.S.  Her TU is about 692 FICO


From the Discover website, it's pretty much IT or nothing!  The IT card has replaced the More card, the only other personal card would be the IT for students.  There are several business cards offered, but that's about IT! :smileyhappy: 

 

While they formerly had other cards that customers still hold, I don't think anything else is available to apply for, at least not from their website.


They also have a "Miles by Discover" credit card you can apply for on their website. Its located on the very bottom of their website under "credit cards". Its not very prominent probably because they're pushing their IT product.

Discover IT: $17k | Chase Freedom Visa Sig: $5k | CSP Visa Sig: $7k | AMEX BCE: $20k | BankAmericard Cash Rewards Visa Sig: $5,4k | Citi Double Cash: $3,6k | Cap1 QS Visa Sig: $6k | Chevron: $3,5k | Macy's Store: $4,2k; Macy's AMEX: $6k | Kohl's: $2k | Best Buy: $500
TU FICO: 745 EQ FICO: 733 EX FICO: 733 (As of 10/30/14)

Contributor
Posts: 236
Registered: ‎01-20-2013
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Re: Score needed for Discover IT Card?

I believe if you call in and apply over the phone, you can apply for the Discover More card. Also make sure to ask for the $200 cash back welcome bonus after spending $1500 in first three months. And then if you really wanted the IT card, you can PC the More card to the IT card.

That's what I did in January. :smileyhappy:
Capital One 2006--$5,000 ||| AMEX Macy's 2008--$2,300 ||| Kohl's 2009-- $1,000 ||| JCP 2010-- $1,000 ||| Walmart Discover 2010-- $5,000 ||| Sears 2011 -- $3,600 ||| Sears 2011 -- $3,500 ||| Chase Freedom 2012--$7,500 ||| Discover IT 2013 -- $4,000
||| Chase Sapphire Preferred 2013 -- $10,000

SCORES: EQ FICO: 787, EX FAKO: 801, TU FICO: 790 (Lender Pull)
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