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credit cards

Established Member

credit cards

so i am trying to steer away from bad credit cards. so i just got approved for the Discover it card does anyone know if its harder to obtain the chase freedom card or the discover it card

Message 1 of 8
7 REPLIES
Super Contributor

Re: credit cards

Welcome to the forum

I would say they're about the same odds of approval 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 8
Valued Contributor

Re: credit cards

I'd say Chase is a bit tougher.  You can usually squeeze into Discover with a 650 on the low end and Chase won't go that low.  

Message 3 of 8
Established Contributor

Re: credit cards

I agree with boomhower. They are really pushing the Discover It card right now. I seem to get a pre-approval notice from them once a week. I think their standards may be a bit lower than Chase although I have read on this forum that people have had great experiences with Chase on recon.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 4 of 8
Highlighted
Moderator Emerita

Re: credit cards

Welcome to the forum!

Congratulation on your approval! Are you thinking of apping for Freedom?
Message 5 of 8
Valued Contributor

Re: credit cards

I had a rough time with Chase recon for the Freedom but the approval was instant for the Discover It.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 6 of 8
Mega Contributor

Re: credit cards


CLANCY910 wrote:

so i am trying to steer away from bad credit cards. so i just got approved for the Discover it card does anyone know if its harder to obtain the chase freedom card or the discover it card


Welcome to the forums!!!

 

IMO they are about the same, with Chase probably being a tad harder to get. What kind of CL did you get from Discover??




EQ FICO 548 3/3/16
Message 7 of 8
Blogger

Re: credit cards

Congratulations!!! The Freedom is a tough nut to crack if you have a short credit history, but otherwise they are pretty much equivalent in underwriting standards. Smiley Happy

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