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How long should I wait to apply for the Discover card?

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Established Member

How long should I wait to apply for the Discover card?

I am planning to apply for the Chase Freedom card in the next couple months. I also want to get the Discover It card. How long should I wait to apply for the Discover card after I get the Freedom card?

Message 1 of 20
19 REPLIES 19
Established Contributor

Re: How long should I wait to apply for the Discover card?

Really depends on your profile. We'd need more information. If you don't have too many inquiries on your reports (assuming everything else is clean) right now you could technically shoot for both at the same time.

TU - 787EX - 757EQ - 768
$28,000
$12,000
$10,000
$10,000
$9,500
$12,000
$17,000
$1,600
$11,300
$6,600
$25,000
NPSL
Message 2 of 20
Established Member

Re: How long should I wait to apply for the Discover card?

Current scores are EQ: 743, TU: 808, EXP:757. AAoA is 3 yrs. Have 10 inquires, all of which are 7 months old. No negatives. $100k income.

Message 3 of 20
Regular Contributor

Re: How long should I wait to apply for the Discover card?

0.01929 seconds. But seriously, you should have no issue getting both at the same time.

Message 4 of 20
Super Contributor

Re: How long should I wait to apply for the Discover card?


@Tonin wrote:

I am planning to apply for the Chase Freedom card in the next couple months. I also want to get the Discover It card. How long should I wait to apply for the Discover card after I get the Freedom card?



You can do them right now. Your scores and income definitely support having both. Go for the Freedom first right now and then Discover. 

Total CL: Around $168,750 not counting hidden TLs. FICOs in the 700-730 range.

Main cards: Macy's Amex: $24k, Lowe's, $17k, Chase Sapphire Preferred: $7k, Chase AARP: $5.2k, Chase Freedom: $5k, Chase British Airways: $5k, Discover It: $1.5k, Barclays Arrival: $2.5k, Sam's Club MC: $8.5k, Stash: $8k, Sam's Club: $10k, Wells Fargo Propel: $8k, Paypal Smart Connect: $4.9k, Amazon Store Card: $6k, Cabelas Club Visa: $5k, Nordstrom: $5k, CapOne Quicksilver: $2k
Message 5 of 20
Super Contributor

Re: How long should I wait to apply for the Discover card?


@HamSupLo wrote:

Really depends on your profile. We'd need more information. If you don't have too many inquiries on your reports (assuming everything else is clean) right now you could technically shoot for both at the same time.


Agreed... More info. is needed.  We can't just say go for it and then get denied.

Message 6 of 20
Senior Contributor

Re: How long should I wait to apply for the Discover card?


@kdong1996 wrote:

0.01929 seconds. But seriously, you should have no issue getting both at the same time.


I agree. Jump on those puppies!

Message 7 of 20
Valued Contributor

Re: How long should I wait to apply for the Discover card?

lik mentioned before it depends on your credit profile, but 

i would do it within the same week.

Message 8 of 20
Valued Contributor

Re: How long should I wait to apply for the Discover card?

Just do them back to back, I wouldn't worry as long as your scores and profile support it. I once did 5 cards back to back and got them all.

Amex Platinum, Amex Hilton HHonors Surpass, Chase Southwest Premier, Chase Marriott Rewards Premier, Discover IT, Sony Visa, Barclay Arrival+ MC, Cabela Visa, Walmart SC, Amazon SC, Kohls, Diners Club Premier, PayPal Credit, PenFed Platinum Reward Visa, PenFed PLOC, Chase Ritz Carlton, Citi TY Premier, Amex BCP, Discover Miles, Care Credit, Blue Nile SC, iComfort SC, Cap1 Venture, Chase Hyatt, Lowes, US Bank Cash+, Citi Costco Visa
Message 9 of 20
Established Member

Re: How long should I wait to apply for the Discover card?

What I worry about is the starting limit on the Discover card. I currently don't have a high limit credit card. I am fairly certain that I will get a fairly high starting limit on the freedom card, and I read that when lenders see a high limit card on your profile, they are encouraged to offer a high limit on their card. That's why I was thinking maybe to should wait a month or two before applying for the Discover. Let me know your thoughts on this.

Message 10 of 20
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