Second Discover Card

CCrew · ‎01-18-2023

Is Discover a HP or a SP for a second card? How are they on second card CL's?

Can get a pre-approval w/741 FICO and no baddies but not trying to register a HP. (Yeah, I know there's always that possibility)

Thanks!

JoeRockhead · ‎01-18-2023

With Discover it's most likely going to be a hard pull on at least one of the CRAs, also (if you don't already know) be mindful that they used to have the stipulation that your 1st card had to be open for at least a year before applying for the second one.

mgood · ‎01-18-2023

I want to try this. I have a couple more cards that I "need" in my collection, then I want a 2nd Disco Cash Back to hit the double points again.

$18,000 Chase Sapphire Preferred Visa Signature 01/23

$17,000 Chase Freedom Flex World Elite Mastercard 05/21

$12,000 Chase Prime Rewards Visa Signature 05/23

$17,500 PenFed Power Cash Rewards Visa Signature 01/21

$15,000 PenFed Platinum Rewards Visa Signature 01/21

$33,000 NFCU cashRewards Plus Visa Signature 05/25

$31,400 American Express Blue Cash Preferred 04/24

$18,900 Citi Custom Cash World Elite Mastercard 07/22

$9,900 Citi Strata World Mastercard 11/24

$25,000 Wells Fargo Autograph Visa Signature 10/21

$25,000 FNBO Evergreen Rewards Visa Signature 01/22

$5,850 Capital One Savor World Elite Mastercard 11/15

$4,300 Capital One Cabela's World Mastercard 10/15

$10,000 US Bank Cash+ Visa Signature 03/23

$7,000 US Bank Cash+ Visa Signature 12/23

$15,000 Synchrony CareCredit Rewards Mastercard 09/25

$8,500 Imprint Eddie Bauer World Mastercard 11/24

EQ8 780, TU8 748, EX8 770 as of December 30

AZE9 - 6% Utl - New Cards: 1/6, 2/12, 6/24

Zoostation1 · ‎01-18-2023

Last summer when I was complaining to them about not being able to PC my Chrome to Cash Back they brought up the 1 year rule to apply for a 2nd Disco. I found it amusing when they said well since you're past a full year with your account you're eligible to apply for the Cash Back card (I was really at 8 months unless they counted my pre burning them in BK history). Nonetheless, looks like they use EX for the HP approval and TU for SP CLIs.

Rebuild Started Nov 2021
June 2022 FICO 8:

June 2022 FICO 9:

June 2022 FICO 10:

June 2022 FICO 10T:

Dec 2025 FICO 8:

Dec 2025 FICO 9:

Dec 2025 FICO 10:

Oct 2025 FICO 10T:

CCrew · ‎01-18-2023

@JoeRockhead wrote:
your 1st card had to be open for at least a year before applying for the second one.

Thanks, first card is about 4 years old. Seems bucketed but I don't use it much and I know Discover likes to see spend. Main reason I don't want to invest a HP with them.

FireMedic1 · ‎01-19-2023

Disco loves to be your go to card. Take care of her and she'll return the favor. Yes I went the second card route. I spanked the catagories knowing how to run it up for the cash back match. Second card was a higher SL. Then combined them. Dont think they do that any longer. Still sleep on the Tempur-Pedic remote controlled mattress for free!

BK Free Aug25

OmarGB9 · ‎01-19-2023

@CCrew wrote:
@JoeRockhead wrote:
your 1st card had to be open for at least a year before applying for the second one.
Thanks, first card is about 4 years old. Seems bucketed but I don't use it much and I know Discover likes to see spend. Main reason I don't want to invest a HP with them.

Discover doesn't bucket, but definitely they like to see usage. That would be why you haven't gotten CLIs.

But I'm confused though; if you don't really use the one card you already have, why do you want a second one? For the SUB? 🤔

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

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:

Current FICO 8 scores:

CCrew · ‎03-13-2023

@OmarGB9 wrote:
But I'm confused though; if you don't really use the one card you already have, why do you want a second one? For the SUB? 🤔

Exactly. Thanks.

ptatohed · ‎03-14-2023

@OmarGB9 wrote:
@CCrew wrote:
@JoeRockhead wrote:
your 1st card had to be open for at least a year before applying for the second one.
Thanks, first card is about 4 years old. Seems bucketed but I don't use it much and I know Discover likes to see spend. Main reason I don't want to invest a HP with them.
Discover doesn't bucket, but definitely they like to see usage. That would be why you haven't gotten CLIs.

But I'm confused though; if you don't really use the one card you already have, why do you want a second one? For the SUB? 🤔

Maybe OP has a Miles or Chrome and wants a Cash Back? :dunno:

[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card // primis Perks debit Visa (50c CB per transaction (5% CB or more up to $10 spend))

5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

Larrypatty · ‎03-18-2023

Started with an it 2 years ago a 1k. Another it 13 months ago at 1k. Very small increases. first one is now 3k. The second one Is now at 3k with back to back month 1k increases. Got an offer for 6 months of 0%.

I dont use them much. I guess i can see they want to be my go to card. 'Also in the same boat with Amex. 1k and one that was $1,900 just raised to 5k, Amex everydays. How do I get these to 10k plus with light spending or must I do heavy use?

My file is only 4 years. With 25 cards, and with a recent spree(2 months ago) of adding 5 cards around 10k SL's.