If I appy for a discover card will it give me the option of secured if I dont qualify for the unsecured?? Current EQ score 691. Only one baddie my student loan which still hasnt been picked up after 10 months of rehab. Have only cap1 secured reporting cl 1401 and not reporting yet is cap1 plat cl 1000.
6/9/08 FICO TU 697 EX698 EQ 618uti 6% (once new accounts hit) BIZ- DUNS 80, EX 35 GOAL 2008- 700s+ new car 2010 BE a first time buyer
I think with a score of 691 you should qualify for an unsecured card with Discover. Have you tried using their pre-qualification to see if anything comes up for you?
I say shoot. I recently apped for a Discover IT and was offered a secured card with FIco around 585. made a 500 deposit, going to increase to 1000 next month.
I say try it. I got in with 628 two months ago and a few baddies. discover is a crap shoot though. Maybe if you don't get it, you can apply for secured right after and it may only count as one pull? Idk if they counter with secured anymore.
I don't know. Discover didn't offer me the secured when they turned me down. At time my score was 690. My denial reason "too many new accounts""too many recent credit inquires"
Do you have many new accts? I've found Discover to be a little more lenient if there aren't many new accts. In my case they were unforgiving until my reports were spotless.
It seems American Express, Discover and Citi are trying to steal Capital One Customers. You don't need a 720+ to get those cards from what I see at this boards.
