topic Re: Discover More card approved in Credit Cards

Discover More card approved

GeneralCucumbre — Wed, 15 Aug 2012 02:56:38 GMT

So, I decided to go ahead and give Discover a shot and was tempted by their $200 bonus after spending $1500 in three months. Anyway, I was approved online instantly with a credit line of $2000 and got 0% interest for 6 months...I believe? But then the APR is 18.99% afterward (YIKES!!! Will not be carrying a balance on this card!!)

Not the greatest credit line and rate to be approved for but I will take it. I was kind of expecting Discover to give me a credit line on the lower end considering that I have seen many people on here with high lines on other cards (higher than mine even) get approved for a Discover card with a rather low starting line. I was not expecting to be given an APR that high though...perhaps it was my recent opening of my Chase Sapphire in April and my USAA MasterCard in June that triggered that.

I am not sure yet which bureau was pulled. But anyway, I'll go ahead and keep the Discover card...this adds a variety to my wallet rather than just Visa and MasterCard. Hopefully in time, Discover will grow with me and the credit line will rise and the APR will decrease.

Re: Discover More card approved

jsickz32 — Wed, 15 Aug 2012 03:00:57 GMT

i dont see the $200 offer on their site.

Re: Discover More card approved

GeneralCucumbre — Wed, 15 Aug 2012 03:04:03 GMT

@jsickz32 wrote:
i dont see the $200 offer on their site.

It shows up under the card builder site.

Re: Discover More card approved

jsickz32 — Wed, 15 Aug 2012 03:07:54 GMT

oh i didnt know you could choose options like that..

Re: Discover More card approved

Anonymous — Wed, 15 Aug 2012 03:09:14 GMT

Me either, I just opened a More card, .missed out on that bonus

Re: Discover More card approved

j_casteel — Wed, 15 Aug 2012 03:10:49 GMT

who does Discover pull?

OP, what are your scores...by your cards i'm guessing very high?

**whogavemecredit is currently down so please don't just post a response telling me to go there.

Re: Discover More card approved

Anonymous — Wed, 15 Aug 2012 03:12:21 GMT

Discover gave me 1500 -- wasn't really happy about it. I am going to tell them in 6 months to raise it to at least to 5000, or else i might just close the account.

Re: Discover More card approved

iMacDrew — Wed, 15 Aug 2012 03:14:05 GMT

Congrats now you can pc it to the it card!

Re: Discover More card approved

GeneralCucumbre — Wed, 15 Aug 2012 03:54:17 GMT

@j_casteel wrote:
who does Discover pull?

OP, what are your scores...by your cards i'm guessing very high?

I am not sure which bureau Discover pulled, it hasn't updated on my reports yet. But however, my scores are not sky high...they are mid-lower 700's. Experian is 742, Equifax is 728, and TransUnion is 737.

Re: Discover More card approved

j_casteel — Wed, 15 Aug 2012 03:58:02 GMT

@GeneralCucumbre wrote:
@j_casteel wrote:
who does Discover pull?

OP, what are your scores...by your cards i'm guessing very high?
I am not sure which bureau Discover pulled, it hasn't updated on my reports yet. But however, my scores are not sky high...they are mid-lower 700's. Experian is 742, Equifax is 728, and TransUnion is 737.

thanks

Re: Discover More card approved

migliogiorni — Wed, 15 Aug 2012 06:36:13 GMT

Nice, wish i would have seen the 200 cash back when I applied last month. Discovered pulled Eq for me.

Re: Discover More card approved

GeneralCucumbre — Wed, 15 Aug 2012 14:20:38 GMT

Just a quick update...Discover pulled Equifax.

Re: Discover More card approved

Anonymous — Wed, 15 Aug 2012 15:02:55 GMT

Hmm I responded last week to a preapproval for More with $50 Exxon gas card after $300 spent in 3 months. I wonder if I can get them to change me to your offer, or give me something else?

Although my offer seems better?

Re: Discover More card approved

nicholasyud — Wed, 15 Aug 2012 15:35:03 GMT

anyone got approved with 660 credit score fico ?

Re: Discover More card approved

Anonymous — Wed, 15 Aug 2012 17:26:11 GMT

Congrats!

My girlfriend received a "pre-approval" through the mail for the Discover More Card and she got instantly approved for $3,500, 15 months 0% APR. Great card company to get in good standing with. She is new to credit and currently only has a Wells Fargo Rewards ($3,200 limit), Capital One ($300 limit) and Von Maur charge card. This will help her with her utilization so I encouraged her to apply. Glad she did!

Re: Discover More card approved

UFGuy2006 — Wed, 15 Aug 2012 18:39:00 GMT

Don't worry about the APR too much... After a few months of good use you can call in and ask what they can do for you. Great company to deal with.

Re: Discover More card approved

Pworld — Fri, 17 Aug 2012 00:14:14 GMT

@nicholasyud wrote:
anyone got approved with 660 credit score fico ?

I just did today. well 668 to be exact with a pending PIF that hasnt reported yet.

Anywho. Called in and was approved for 1200, but be prepared that you might not get the advertised offers. and no 0%Apr intro rate. I did not but i dont plan to carry a balance. I am just using it for the credit line reporting and the high(15/10) cashback bonuses on nike, finishline and eastbay through their shops(sneaker head)