topic Re: Discover card question? in Credit Cards

Discover card question?

Anonymous — Sat, 12 Oct 2019 22:47:15 GMT

I recently decided to start using credit cards for the rewards and credit building. I started with Apple Card and Discover It. Discover gave me 1,000 just got the card in September. Today in the mail I got another card offer or ‘Invitation’ from discover with 0 APR . and so on. Is this common from them? I’ve not even gotten my first statement from the first card. Any help is greatly appreciated!

Re: Discover card question?

Brian_Earl_Spilner — Sat, 12 Oct 2019 22:50:37 GMT

You have to wait a year before you can get a second card from them.

Re: Discover card question?

credit_is_crack — Sat, 12 Oct 2019 22:52:29 GMT

I would disregard the 2nd invite. Those lists and mailers are packaged well in advance. Unless something extraordinary has changed, I don't think Discover lets you get a 2nd card until the 1st one is at least 11months old. Maybe someone else will chime in to either confirm or provide new insight

Re: Discover card question?

Anonymous — Sat, 12 Oct 2019 22:56:35 GMT

Thank you! I wasn’t really planning on it but I was just curious of why they would send an offer so soon!

Re: Discover card question?

M_Smart007 — Sat, 12 Oct 2019 23:13:38 GMT

@credit_is_crack wrote:
I would disregard the 2nd invite. Those lists and mailers are packaged well in advance. Unless something extraordinary has changed, I don't think Discover lets you get a 2nd card until the 1st one is at least 11months old. Maybe someone else will chime in to either confirm or provide new insight

Re: Discover card question?

Medic981 — Sun, 13 Oct 2019 04:18:54 GMT

@credit_is_crack wrote:
I would disregard the 2nd invite. Those lists and mailers are packaged well in advance. Unless something extraordinary has changed, I don't think Discover lets you get a 2nd card until the 1st one is at least 11months old. Maybe someone else will chime in to either confirm or provide new insight

+1 and welcome to the myFICO forums!

Re: Discover card question?

Anonymous — Sun, 13 Oct 2019 11:47:56 GMT

Thank you!

Re: Discover card question?

CA4Closure — Sun, 13 Oct 2019 17:08:02 GMT

I have never gotten a Discover invite! My FICO scores are in the 830s. I am on the fence on the Discover It Miles card because i just got the NFCU GO Rewards AMEX card. I have the Discover It card for 4 years with a $23,000 CL.

Re: Discover card question?

Itgem679 — Sun, 13 Oct 2019 19:44:13 GMT

'You have to wait a year before you can get a second card from them.'

Not quite true in my experience. I had Discover (secured) for just over 6 months and got approved for a second card (unsecured) with 4x the limit.

Re: Discover card question?

FinStar — Sun, 13 Oct 2019 20:05:50 GMT

@Itgem679 wrote:
'You have to wait a year before you can get a second card from them.'

Not quite true in my experience. I had Discover (secured) for just over 6 months and got approved for a second card (unsecured) with 4x the limit.

In a variety of reported outcomes by the community (i.e. Discover 2nd card megathread), the typical Discover guideline is typically 12 months. While your situation offers a great DP, it's more the exception than the norm.

Re: Discover card question?

Itgem679 — Sun, 13 Oct 2019 20:06:51 GMT

Fair enough, FinStar.

Re: Discover card question?

Anonymous — Sun, 13 Oct 2019 23:16:11 GMT

Soo I totaly forgot. I was Piggyback on a friends Discover card years ago, with a $9k limit. TU still shows its as active credit (no missed payments or ballance on there). This prob would have been valuable information

Re: Discover card question?

Anonymous — Sun, 13 Oct 2019 23:16:59 GMT

Thank you! but i just rememberd: I was Piggybacking on a friends Discover card years ago, with a $9k limit. TU still shows its as active credit (no missed payments or ballance on there). This prob would have been valuable information