topic Re: Discover Card in Credit Cards

Discover Card

Anonymous — Fri, 21 Oct 2011 14:35:49 GMT

I am considering applying for either a Discover or American Express Card. Does anyone know what your scores need to be for approval, and if a public record over 7 years ago will prevent approval? I don't want any unnessary inquiries.

Thanks.

Re: Discover Card

Anonymous — Fri, 21 Oct 2011 16:55:32 GMT

@Anonymous wrote:
I am considering applying for either a Discover or American Express Card. Does anyone know what your scores need to be for approval, and if a public record over 7 years ago will prevent approval? I don't want any unnessary inquiries.

Thanks.

Discover has a pre-approval on their web-site... You can try that 1st and see what happens. It is only a soft pull.

Re: Discover Card

Anonymous — Fri, 21 Oct 2011 17:19:23 GMT

So the application on their webiste is only a soft pull? It looks like a hard pull to me.

Re: Discover Card

Anonymous — Fri, 21 Oct 2011 17:23:43 GMT

@Anonymous wrote:
So the application on their webiste is only a soft pull? It looks like a hard pull to me.

I didn't say application, i said they have a pre-approval on their site which states it will not affect your credit.

Re: Discover Card

Anonymous — Fri, 21 Oct 2011 17:55:32 GMT

No pre-approved offers for me. I guess I'll wait to apply until my score goes up some more. I've noticed that most of the people who have this card or the AMEX card have higher EQ and Tu scores than I do. I'll wait until EQ and TU update their files with my corrected creditor information, which will remove a derogatory report concerning a 180+ day late payment (the account was in deferment but incorrectly reported as being late), and after I see what the score goes up to I'll decide on it then.

Thanks for the info.

Re: Discover Card

CreditMuppet — Fri, 21 Oct 2011 20:42:32 GMT

@Anonymous wrote:
No pre-approved offers for me. I guess I'll wait to apply until my score goes up some more. I've noticed that most of the people who have this card or the AMEX card have higher EQ and Tu scores than I do. I'll wait until EQ and TU update their files with my corrected creditor information, which will remove a derogatory report concerning a 180+ day late payment (the account was in deferment but incorrectly reported as being late), and after I see what the score goes up to I'll decide on it then.

Thanks for the info.

What are your current scores and where did you get them? What kind of public record?

Re: Discover Card

Smug — Fri, 21 Oct 2011 21:21:27 GMT

I was ot Pre approved for anything but apped and got my zync.

Re: Discover Card

CS800 — Fri, 21 Oct 2011 21:23:48 GMT

With AMEX I didnt have any offers. i applied and got an instant approval for a Zync . Goes to tell you that these pre-approval don't always work.

Re: Discover Card

Smug — Fri, 21 Oct 2011 22:29:07 GMT

Also with discover...

Re: Discover Card

unlucky_hove — Sat, 22 Oct 2011 00:02:02 GMT

I recently got approved for a Discover More with a satisfied judgement showing, and a 6 year old CO. I didnt get a Pre-approval from the site either, i just bit the bullet (a few times ). EQ 668, TU 667

Re: Discover Card

clocktick — Sat, 22 Oct 2011 01:28:28 GMT

My friend just got the Discover Miles with a 667 EQ and a judgment and lates showing. Also, from what I've read on these boards the Zync seems to be the easiest card to get with Amex.