topic Re: What is a "thin file" for Discover? in Credit Cards

What is a "thin file" for Discover?

Anonymous — Mon, 27 Nov 2017 06:06:42 GMT

I'm considering them for my 3rd prime card. (Cap1Secured,Amex) since I received a Prequalify offer with an actual percentage rate on their website. When people say a "thin file", would a year of credit history and 3 cards already be too high? Am I better off with them as my third card than fourth?

CareCredit is next on my list but would like a 3rd bank card first. And I know it's too soon for Chase..gardening and will try them after a year.

Re: What is a "thin file" for Discover?

Anonymous — Mon, 27 Nov 2017 06:23:29 GMT

They approved me three months back with only six months with my Cap1 card and a 650's Credit score.

Re: What is a "thin file" for Discover?

Anonymous — Mon, 27 Nov 2017 06:50:14 GMT

Nice. So does anyone get approved after the 1 year mark?

Re: What is a "thin file" for Discover?

Anonymous — Mon, 27 Nov 2017 07:45:56 GMT

I was approved with 1.5 years history and 4 prime cards (CapOne Journey, USAA AmEx, Chase Marriott, AmEx BCE). I had the same pre-qualification with a definite APR.

My advice is to go for it. I can't think of any creditor that would deny you for a file being too thick.

Re: What is a "thin file" for Discover?

AverageJoesCredit — Mon, 27 Nov 2017 12:14:03 GMT

See Average Joes Credit

Re: What is a "thin file" for Discover?

joltdude — Mon, 27 Nov 2017 13:04:38 GMT

Discover likes a score reporting thin files (and clean) ... except if your a student and if they can generate a decent new account score for you they will approve based on that.... Think you should give it a shot.... =)

And the more im seeing as of late, id go for it third vs fourth =)

Either would probably work though

-J

Re: What is a "thin file" for Discover?

CreditCuriosity — Mon, 27 Nov 2017 14:12:12 GMT

Either a clean thin file or a fairly recent BK and Discover will love you long time. That is about the only sense people or at least I can make out of Discover. You should get a 5-10k CL if this is only your third card based off of other DP's with recent discover approvals.

Re: What is a "thin file" for Discover?

Anonymous — Tue, 28 Nov 2017 02:41:24 GMT

Thanks.

Was actually denied for no reason and no explanation months ago. The only thing I or anyone else could make sense out of it was that my address was wrong but now I am actually getting prequalified on their website with an APR which I forgot now what it was. I only had 3hrs to "apply" so guess I'll have to redo that anyway.

And yeah, the average joes are scaring me with their thick files trying and trying.

I burned them years ago but seems they're more fogiving than BOA. Chargeoff. No Chapter7.

Re: What is a "thin file" for Discover?

CreditCuriosity — Tue, 28 Nov 2017 03:42:21 GMT

Could of been an address thing. I think if they are courting your with pre-quals mailers you should be good also they have a pretty legit pre-qual site now at

https://www.discovercard.com/application/prequal?execution=e1s1

best of luck if you go for it!

Re: What is a "thin file" for Discover?

Anonymous — Thu, 30 Nov 2017 04:08:50 GMT

I never received a prequalify via mail. That is actually how my mom got in with them....and I know someone who is now getting Discover mail after getting approved for a Home Depot card.

I got a prequalify through their website for the Discover It and Chrome with a 21.99% APR and not secured. Seems more legit than when I was trying it months ago.

Re: What is a "thin file" for Discover?

Anonymous — Thu, 30 Nov 2017 22:11:33 GMT

You should be fine. 1 year with 3 cards is still thin. If your score and util are decent you should be good to go.

Re: What is a "thin file" for Discover?

Anonymous — Fri, 01 Dec 2017 01:26:21 GMT

Lol I ended up applying. 1k.

Thanks all

Re: What is a "thin file" for Discover?

xXIDaShizIXx — Fri, 01 Dec 2017 11:43:51 GMT

@Anonymous wrote:
I'm considering them for my 3rd prime card. (Cap1Secured,Amex) since I received a Prequalify offer with an actual percentage rate on their website. When people say a "thin file", would a year of credit history and 3 cards already be too high? Am I better off with them as my third card than fourth?

CareCredit is next on my list but would like a 3rd bank card first. And I know it's too soon for Chase..gardening and will try them after a year.

From what I have noticed on here, your mileage may vary. I know when I first applied for Discover, I did not get approved until my FICO scores hit the 700's and I had a credit history for a year and a half. Also they have been super difficult and random in how I get CLI's from them.