DISCOVER CARD

[Anonymous]

I want to apply for a Discover Card but not sure if credit score is high enough. TU:685, EQ 677, EXP 711. I have a bk that was discharged in 2003, any advice would be appreciated. I am not sure if the bk will automatically be a disapproval.

[Tuscani]

Discover is hit and miss. While your scores suffice, I wouldn't try with a BK. Also, keep in mind they (and AMEX) blacklist. So you have no chance if you IIB.

Your EX should be plenty good enough for a Delta Amex. Delta is the ONLY Amex card that is moderately BK friendly. I am only recommending the Delta because your BK is over 2 years old.

Your EQ is also good, give the Citi Premier Pass card a try. If Citi approves convert to their Dividend Plat Select card. Good luck!  

[fused]

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prosper329 wrote:

I want to apply for a Discover Card but not sure if credit score is high enough. TU:685, EQ 677, EXP 711. I have a bk that was discharged in 2003, any advice would be appreciated. I am not sure if the bk will automatically be a disapproval.

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Speaking on my experience and that of a few others, Discover is by no means easy to get.  I do know you need an established cc history, preferably with no lates or other baddies.  They also prefer Fico scores over 700 but will approve some with lower scores who have a solid cc history.

[Anonymous]

Hard to get? It must have changed in the last 9 years. I got a discover card right after I turned 18, maybe my second CC ever, so no established credit there. Not sure, maybe it has tightened up or after your early years its harder.

Darrell

[Tuscani]

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fused111 wrote:

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prosper329 wrote:

I want to apply for a Discover Card but not sure if credit score is high enough. TU:685, EQ 677, EXP 711. I have a bk that was discharged in 2003, any advice would be appreciated. I am not sure if the bk will automatically be a disapproval.

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Speaking on my experience and that of a few others, Discover is by no means easy to get.  I do know you need an established cc history, preferably with no lates or other baddies.  They also prefer Fico scores over 700 but will approve some with lower scores who have a solid cc history.

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Agreed... Discover is far from easy.

[Anonymous]

tuscani:

In the distant past I had two discover cards charged off in the 80's but, was still able to get a new CC fr them recently. May be U wanna revise that Blacklist.......They gave me a 4K.

Message Edited by howardi on 06-11-2007 07:13 AM

[Tuscani]

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howardi wrote:

tuscani:

In the distant past I had two discover cards charged off in the 80's but, was still able to get a new CC fr them recently. May be U wanna revise that Blacklist.......They gave me a 4K.

Message Edited by howardi on 06-11-2007 07:13 AM

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Thanks. Perhaps their blacklist only applies to IIB. Not sure.

[Anonymous]

I got DC for discover EQ 712. Not enough history.

[Tavares]

Tuscani, did you ever find out about this?

Thanks,

Tavares

[Tuscani]

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Tavares wrote:

Tuscani, did you ever find out about this?

Thanks,

Tavares

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I am hearing mix reviews, nothing conclusive.