Discover App

[corymcd88]

I have tried to apply for Discover and never was approved. I have one CO and one collection both payed off. They will both be removed on April of 2016. I have a TU score of 767 Walmart FICO. I have one reason INQ on the 27 Dec 2014. What does every one think?

[CreditMagic7]

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@corymcd88 wrote:

I have tried to apply for Discover and never was approved. I have one CO and one collection both payed off. They will both be removed on April of 2016. I have a TU score of 767 Walmart FICO. I have one reason INQ on the 27 Dec 2014. What does every one think?

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Try Capital One?

[corymcd88]

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@CreditMagic7 wrote:

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@corymcd88 wrote:

I have tried to apply for Discover and never was approved. I have one CO and one collection both payed off. They will both be removed on April of 2016. I have a TU score of 767 Walmart FICO. I have one reason INQ on the 27 Dec 2014. What does every one think?

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Try Capital One?

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Yep, I have had Capital one since 2008, they are OK. High APR and low CL.

[yfan]

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@corymcd88 wrote:

I have tried to apply for Discover and never was approved. I have one CO and one collection both payed off. They will both be removed on April of 2016. I have a TU score of 767 Walmart FICO. I have one reason INQ on the 27 Dec 2014. What does every one think?

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What was your score when you previously applied? How long ago was that?

Your score doesn't seem like it should prevent you from getting a Discover IT card. It's not always about just the score though.

[CreditMagic7]

Discover is funny. The only reason i even have one is that they mailed a preapproval back when my file was paper thin. 16 months later i still have the same SL because they never done an auto-cli and i don't have the stomach to allow them another HP anymore

[corymcd88]

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@yfan wrote:

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@corymcd88 wrote:

I have tried to apply for Discover and never was approved. I have one CO and one collection both payed off. They will both be removed on April of 2016. I have a TU score of 767 Walmart FICO. I have one reason INQ on the 27 Dec 2014. What does every one think?

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What was your score when you previously applied? How long ago was that?

Your score doesn't seem like it should prevent you from getting a Discover IT card. It's not always about just the score though.

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Jul 2013 about 700 with one unpaid CO and that is why the app was turned down, now every thing is paid and about a year left on the CO and collection.

[CreditCuriosity]

IMO discover isn't worth it.. Go for a Freedom.. Same concept rotating Categories and most likely you won't get a low SL..  Obviously other Discover fans will counter this logic.   Discover either likes you and gives you a decent limit or doesn't, Chase seems to be a bit more liberal with their CL's or initial CL's.  Either way I wish you luck either way you go. 

[corymcd88]

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@CreditCuriousity wrote:

IMO discover isn't worth it.. Go for a Freedom.. Same concept rotating Categories and most likely you won't get a low SL..  Obviously other Discover fans will counter this logic.   Discover either likes you and gives you a decent limit or doesn't, Chase seems to be a bit more liberal with their CL's or initial CL's.  Either way I wish you luck either way you go. 

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Chase is one of the CO's, they told me that I can never get an account with them again.

[BluePoodle]

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@corymcd88 wrote:

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@yfan wrote:

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@corymcd88 wrote:

I have tried to apply for Discover and never was approved. I have one CO and one collection both payed off. They will both be removed on April of 2016. I have a TU score of 767 Walmart FICO. I have one reason INQ on the 27 Dec 2014. What does every one think?

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What was your score when you previously applied? How long ago was that?

Your score doesn't seem like it should prevent you from getting a Discover IT card. It's not always about just the score though.

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Jul 2013 about 700 with one unpaid CO and that is why the app was turned down, now every thing is paid and about a year left on the CO and collection.

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I think if they are paid now, you should be fine. I had one paid collection and one paid tax lien when I applied for my Discover. My score was around 680 or 690 at the time.  I think applying with an unpaid CO is what caused your denial.   I have been very happy with Discover. I like it over the Freedom because I have been able to get CLI with SP's.

[CreditCuriosity]

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@corymcd88 wrote:

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@CreditCuriousity wrote:

IMO discover isn't worth it.. Go for a Freedom.. Same concept rotating Categories and most likely you won't get a low SL..  Obviously other Discover fans will counter this logic.   Discover either likes you and gives you a decent limit or doesn't, Chase seems to be a bit more liberal with their CL's or initial CL's.  Either way I wish you luck either way you go. 

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Chase is one of the CO's, they told me that I can never get an account with them again.

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Never say never, but I understand what you are saying ...  Discover is weird you might get a 1.5k SL or a higher one..  Doesn't citi havef a similliar rotating category card as well?  Or just want to get in with Discover?  Looked at Huntington card or possibly the Sallie Mae?