topic Re: Discover in Credit Cards

Discover

Breakthecycle2 — Mon, 05 Apr 2010 14:36:01 GMT

I know they seem tricky to get, but do you guys know what the optimal score and such are to get one?

Re: Discover

Anonymous — Mon, 05 Apr 2010 20:40:40 GMT

Are you just want to get anything you can? or specific one?

Do you really need to get one now? or you can wait after your score reaches/over your goal score?

Re: Discover

Breakthecycle2 — Mon, 05 Apr 2010 20:42:47 GMT

I can wait. No rush, I would like to get any of them. I an not specific.

Re: Discover

score_building — Mon, 05 Apr 2010 20:43:14 GMT

Ideally >690

supposedly motiva is a bit less difficult than the others.

Re: Discover

Anonymous — Mon, 05 Apr 2010 20:56:12 GMT

@Breakthecycle2 wrote:
I can wait. No rush, I would like to get any of them. I an not specific.

Very Good. If so just keep checking Discover web site. You never know when they will add a new product.

By the way, I got my Discover More a year a go for 2K CL with around 730. Less than 40K of AI and No negative report on my CR. I had 7 ccs already at that time, and this was my 8th one. May be that is the reason of small CL, all my others are between 3K and 8.6K.

Re: Discover

Breakthecycle2 — Mon, 05 Apr 2010 21:05:54 GMT

Thanks for all the info...is there an easier one to get?

Re: Discover

Anonymous — Tue, 06 Apr 2010 21:04:17 GMT

@Breakthecycle2 wrote:
Thanks for all the info...is there an easier one to get?

I had originally gotten a Motiva (did a BT to them and had high utilization on very few cards). Once my BT was paid off, I converted it to a More - which has MUCH better benefits. (You can't participate in the 5% bonus dealies with the Motiva, though you can utilize ShopDiscover.)

Re: Discover

tengtengvn — Wed, 07 Apr 2010 20:41:03 GMT

I got my open road discover with 700 but I applied as student though.

Re: Discover

Anonymous — Wed, 07 Apr 2010 21:49:45 GMT

When my credit score crossed the 700 mark I began getting pre-qualified offers from them. I'd say that's prob their number or somehwere near that with very few or no derogs.

Re: Discover

JHill — Tue, 13 Apr 2010 16:34:38 GMT

My FICO fluctuated betwwen 785 and 805 after closing a car loan and opening two. I got approved for Discover More card with 785 FICO with an 8k credit limit. I did get the 'you will receive a decision in 30 days' when I applied online, but about a week later they emailed me the approval.