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Discover it for my first-ever app, only have AUs. Advice?

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pdxmike
Regular Contributor

Discover it for my first-ever app, only have AUs. Advice?

I have 2 AU cards. 30 year histories, no baddies, but one's util is 31%, total util is 28%. Vantage 3.0 is ~720. I've decided to try for the amazing 22-30% cash back offer for new Discover it cardholders. But does Discover even consider AUs? If not, what are the chances of someone with no credit at all getting a Discover it card on their first try?

Message 1 of 7
6 REPLIES 6
Discover2016
Valued Contributor

Re: Discover it for my first-ever app, only have AUs. Advice?

Last year in September I got approved for a Discover it with absolutely no history, basically my CR's were a blank sheet of paper with my name and address. Discover seems to be ok for appying if you have no history, but with a clean report. You should be fine.

Gardening until September 2025
Next app: Mortgage in September 2025
FICO 08 Experian 810
Message 2 of 7
OmarGB9
Community Leader
Super Contributor

Re: Discover it for my first-ever app, only have AUs. Advice?

Did you apply yet?

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 3 of 7
Anonymous
Not applicable

Re: Discover it for my first-ever app, only have AUs. Advice?

appnow.jpg

Message 4 of 7
CreditCuriosity
Moderator Emeritus

Re: Discover it for my first-ever app, only have AUs. Advice?

Wasn't this exact same question asked yesterday?  Although trying to link the thread I can't seem to find it..

 

Apply if you get denied it is not the end of the world and most likely you will be suprised and be approved as already stated Discover and Amex both LOVE thin and clean profiles

Message 5 of 7
9CLINE
Valued Contributor

Re: Discover it for my first-ever app, only have AUs. Advice?


@CreditCuriousity wrote:

Wasn't this exact same question asked yesterday?  Although trying to link the thread I can't seem to find it..

 

Apply if you get denied it is not the end of the world and most likely you will be suprised and be approved as already stated Discover and Amex both LOVE thin and clean profiles


yes it is....

ficoforums.myfico.com/t5/Credit-Cards/I-want-20-cash-back-with-Disco-amp-Apple-but-I-only-have-AU

 

@OP  Have you applied yet? as no one can say w/o a doubt concerning approval.....chances are good.... go for it... !!!!!!!

Good Luck !!!!!!!!!!Smiley LOL


Message 6 of 7
pdxmike
Regular Contributor

Re: Discover it for my first-ever app, only have AUs. Advice?

That thread convinced me to apply, which is why I came over to the applications forum. But it didn't seem too late to ask for advice or experience if someone had already done what I was going to.

 

But I've now decided to hold off until people on other sites can confirm that this 22% cash back deal is working as expected, and Discover publishes the terms and conditions. So in the meantime, if anyone can add a data point of experience applying for Discover it with no previous cards in their name, please do! At this point, though, I'm going to do it, as long as this deal is confirmed as working.

Message 7 of 7
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