Reply
Valued Member
SnowWalker
Posts: 92
Registered: ‎09-06-2008
0

Should I apply Discover Card?

either Open Road or More Card or should I cool it and try in 8 months ?
 
EX score is 662
UTIL is 8%
4 new accounts after BK has been discharged.
3 INQ on EX 
 
$400CL JCP
$500 CL Orchard Bank
$1750 GM Card
$300 FP
Looking to get back into 700s club by scratch that about 2012 maybe even 2010 :smileyhappy: faster than I had thought. aiming for $10,000 Credit Card by 2010 as well ! as of 9/15/08 EX 662 EQ 681 TU 662
Epic Contributor
Creditaddict
Posts: 20,995
Registered: ‎10-23-2007
0

Re: Should I apply Discover Card?

I have heard some have gotten Discover after bk, but I thought it was pretty hard, they don't really like bk. someone correct me if wrong.
Fico Scores: EQ- 682 DCU, TU 696 Walmart, EX 686 Prosper(10-30-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
63 Cards and Counting :smileytongue:
New Member
Ficolicious
Posts: 4
Registered: ‎09-15-2008
0

Re: Should I apply Discover Card?

no I'd wait. Having two accounts with them already, I know they are tough.They dont like Bk's at all, no matter the status and they dont like inq's. imho, hold off on them for awhile and save an inq. fwiw, the Motiva is the "easier" of their lineup to get approved for. They will also offer the HSBC card as a counter sometimes...
 
 

9/2008 (TU Pfico) --747--
9/2008 (EQ) --731--
Established Contributor
Shnapple
Posts: 837
Registered: ‎02-27-2008
0

Re: Should I apply Discover Card?

What about FICO score of 675 (or thereabout).
No BKs
3 cards currently - $5650 total limit, $1300 utilization
3 inquiries (on each credit report)
 
What else would Discover look for?
FEB '08 FAKOs: TU 628 | EX 650 | EQ 584
JAN'09 FAKOs TU 686 | EX 705 | EQ 664
EQ FICO: FEB '08 646 | APR '08 678 | SEP '08 679
Established Member
jim5518
Posts: 19
Registered: ‎03-08-2008
0

Re: Should I apply Discover Card?

Discover was hard to get especially the more card.Pulled Transunion I had a 733 and was approved.When my score was in the 660 range I was Turned down.Utilization didnt seem to matter,I was in the 30 % range.

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+
}