@Anonymous wrote:
Im a bit confused, is discover it a prime card? I had heard it was kind of difficult to obtain, but now it seems like a starter card. Im surprised I was approved, can anyone shed some light on this? Im very happy but confused. I was not expecting this.
Yes, they are considered a prime card. It is not hard to get if you have a clean file (even if it is new without FICO score).
Not every lender give the first card. I started my credit journey without knowing about this forum. My first try was Cap1 and got 1 credit pull on each bureau for a denial. Then I read about credit cards and lenders here, and between my DW and me we have never received a denial after learning here.
I learned that Chase and Barclay, don't want to give a card to someone without history. Discover has no problems. Amex some times, but is better to have a FICO score (we got approved for PRG with 50k bonus). Citi and Cap1 for some products. Cap1 after 12 months they are offering good APR and I know that the limit will be good.
What I learned about the 'credit game' is that time is your friend, it will help to get better APR and limits. Also it is good to ask. By calling we were able to recon a denial (DW Freedom), recon SL (Sallie Mae), remove AF (BoA secured), lower APR (BoA, Discover and DW got 0% promo with Discover), got Amex to backdate my cards (still sad that this is no longer possible).
Good luck.
