Discover 2nd (second) card app thread

[M_Smart007]

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@Anonymous wrote:

I’ve had a secured Discover IT card since May of last year.  We had a ch7 BK discharged a month prior and we were starting over.  We’ve rebuilt our credit nicely since and my latest approval last month was with NFCU with a 5K SL.  My Discover still has yet to graduate even with all scores in the mid 600s.  They can’t tell me why either.   We always pay the statement balance ever since I got it.   I tried for a preapproval for a 2nd Discover and they had two for me; another IT and a Chrome.  The rate was a solid 24% but I didn’t go through with it as I’d really rather mine graduate.  

Anyone else experience this with Discover?

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Keep in mind, You can call Disco every 6 months or so and ask for a APR rate reduction. My 1st it card is now down to 18%

my 2nd it card is still in the  0% promotional first year. I would never carry a balance even at 18% 

But it sure feels good to get it lowered.

APR = AveragePuertoRican ...Poor @AverageJoesCredit  ... such a good sport

[Anonymous]

I despise Discover's new message system. Instead did getting connected to a live agent if I wait, I have to wait to get every response. The responses can be from different people so they don't always line up. Yesterday I asked about combining two cards. The answer they gave me was about how balance transfers work. When I clarified what I meant, they said they don't do this. So I asked about partial reallocation of limits. They said they don't do this either.
I just did it a few months ago!
It's frustrating that I will have to call to get an accurate answer. I have found better answers in this thread. The live chat was one of their best features imo. Sad to see it go.

[AverageJoesCredit]

I agree. Better just call in. At least you should be able to talk to your doppelganger

[Anonymous]

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@Anonymous wrote:

I’ve had a secured Discover IT card since May of last year.  We had a ch7 BK discharged a month prior and we were starting over.  We’ve rebuilt our credit nicely since and my latest approval last month was with NFCU with a 5K SL.  My Discover still has yet to graduate even with all scores in the mid 600s.  They can’t tell me why either.   We always pay the statement balance ever since I got it.   I tried for a preapproval for a 2nd Discover and they had two for me; another IT and a Chrome.  The rate was a solid 24% but I didn’t go through with it as I’d really rather mine graduate.  

Anyone else experience this with Discover?

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I got my first disco card secured when i was at 549, but it did graduate on the 7th month like clockwork ( i had to find out by calling in, nothing was ever sent to me)  The 2 years after that, it would never get a CLI or if i did it was 200 once every 6 months if i was lucky.  Second card was much better, and i ended up just combining them and moving on.    You may have to do the same honestly. 

[Anonymous]

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@AverageJoesCredit wrote:
I agree. Better just call in. At least you should be able to talk to your doppelganger

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I have a second (2nd) card pre-app since it's been a year since the first (2nd) card was approved.   Not sure, but another year of CB match and 0% sounds good. 

[AverageJoesCredit]

There has been talk of Discover not giving DCB after you had it already. Not sure how true that is but having another Disco is fun if you can get DCB id say go for it!

[M_Smart007]

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@Anonymous wrote:

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@AverageJoesCredit wrote:
I agree. Better just call in. At least you should be able to talk to your doppelganger

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I have a second (2nd) card pre-app since it's been a year since the first (2nd) card was approved.   Not sure, but another year of CB match and 0% sounds good. 

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@Anonymous  .. I am living it, and it tis Fabulous!!!

[M_Smart007]

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@AverageJoesCredit wrote:
There has been tall of Discover not giving DCB after you had it already. Not sure how true that is but having another Disco is fun if you can get DCB id say go for it!

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I did, DCB on (1) PayPal purchase 5+5=10% on a $1500+ purchase.

"How sweet it is" ..(sorry no pun intended)

another 5% on 2nd it $1500 PayPal cat. purchase

[Anonymous]

Don't forget, the 4th (and 3rd?) quarter usually stays about the same. So if you time it right, you can apply in the middle of the quarter, max it out once as your first quarter and again as your last quarter, correct? DCB double dip for Amazon/Target/ Walmart. ♥️

[eastsea]

I have not read through the big thread but thought I might just ask here:

Does an AU card count as a first card?  I was recently added as an AU to a Discover that is 9 years old to boost my score, so do I need to wait 1 year before applying?