discover it

[TiggerDat]

From what I can see it might be better for you to wait.  Your scores are a little low and the accounts you have listed don't indicate that they have been open for at least a year for each.  I would think you would be better off waiting until at least the one year mark on your middle opened card.  I know that Discover is a good card to have, but sometimes it is best to wait it out a bit.  I had to recon for my Discover.  Some factors which caused this were that I had a deliquent, but correct student loan which went into default.  At the time of the app it was about three years old.  (If you have no negatives, your chances do go up!)  I also had a few inquiries, about 12 at the time I think.  I also had a few new accounts, they were about 6 months old at the time.  When I reconned I did not get the best terms, rate, etc. as were advertised, but I was simply happy to get the card. 

The account is now 1 year 2 months old.  I also had to recon for a CLI.  I started out with a $1K limit and PIF every month, but they still relied somewhat on the initial and soft pulls for a new limit.  I had checked twice before for a soft pull CLI without any luck.  I took the plunge and was denied, but speaking with an analyst I was able to get a $5K limit.  (It was what I asked for and was basically told that since that is what I asked for that was all I could get.  If I didn't qualify for that, then they would have countered, if I had asked for more I might have gotten it.  Go figure.)  At the time of the recon I still had some other new accounts and many inquiries.  I certainly make sure I maintain this account very well and am happy that I got it.  I can't even get the same love from Chase which was opened at the same time.  In fact I did a HP CLI on that and was denied and could only recon for $500. 

My score at the time of applying was 698. 

[Peter1142]

They sent me invitations like once a week, but I did the pre qual on their site and it gave me a pre approved offer. Give it a try, can't hurt.

They pulled Eq 08 for me and my score was higher than the 04 flavor. I do believe this is typical.

[B335is]

Is that Discover $150 bonus still floating around? If you can get that, I would app.

[devastatah]

YMMV but I finally applied after 3 months of getting mailers and was approved I am more excited about the free FICO score than the card itself  

EQ-660 TU- 683