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Should I apply Discover Card?

Valued Member

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 Smiley Happy 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
Message 1 of 5
4 REPLIES
Epic Contributor

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.
Message 2 of 5
New Member

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--
Message 3 of 5
Established Contributor

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
Message 4 of 5
Established Member

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.
Message 5 of 5