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Established Member
CLANCY910
Posts: 12
Registered: ‎02-21-2013

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

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Senior Contributor
myjourney
Posts: 25,277
Registered: ‎02-07-2013

Re: credit cards

Welcome to the forum

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

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Valued Contributor
boomhower
Posts: 1,863
Registered: ‎09-20-2011

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.  

Established Contributor
rtw
Posts: 797
Registered: ‎05-01-2012

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.


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Moderator
09Lexie
Posts: 24,547
Registered: ‎09-13-2012

Re: credit cards

Welcome to the forum!

Congratulation on your approval! Are you thinking of apping for Freedom?
Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012

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! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
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LS2982
Posts: 15,434
Registered: ‎04-09-2011

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??




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HiLine
Posts: 2,836
Registered: ‎10-19-2012

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. :smileyhappy:


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