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Established Member
Posts: 23
Registered: ‎06-07-2007
0

DISCOVER CARD

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.
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0

Re: DISCOVER CARD

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!  
Moderator Emeritus
Posts: 16,381
Registered: ‎03-12-2007
0

Re: DISCOVER CARD



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.


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.
Credit Profile - FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 27 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: TU 1


Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring World Mastercard ~ Chase Freedom Signature Visa ~ CITI Dividend World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Established Member
Posts: 22
Registered: ‎06-01-2007
0

Re: DISCOVER CARD

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
FICO's- 5/22/08-TU723/EX713/EQ701 4/14/08-TU680/EX677/EQ642 4/14/07-TU584/EX558/EQ567
FAKO's- 5/22/08-TU690/EX686/EQ649 4/14/08-TU644/EX674/EQ650 1/3/07-TU629/EX587/EQ594
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0

Re: DISCOVER CARD



fused111 wrote:


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.


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.



Agreed... Discover is far from easy.

New Contributor
Posts: 64
Registered: ‎04-30-2007
0

Re: DISCOVER CARD

[ Edited ]
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
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0

Re: DISCOVER CARD



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

Thanks. Perhaps their blacklist only applies to IIB. Not sure.
Valued Member
Posts: 44
Registered: ‎05-31-2007
0

Re: DISCOVER CARD

I got DC for discover Smiley Sad EQ 712. Not enough history.
New Contributor
Posts: 74
Registered: ‎05-08-2007
0

Re: DISCOVER CARD

Tuscani, did you ever find out about this?
 
Thanks,
Tavares
FAKO - EX: 749 | EQ: 769 | TU: 749
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0

Re: DISCOVER CARD



Tavares wrote:
Tuscani, did you ever find out about this?
 
Thanks,
Tavares


 
 
I am hearing mix reviews, nothing conclusive.

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