Discover IT??

[Cheryla18]

I did a prescreenig on the Discover IT card...and  they had a offer for me. SO  my question is...What are their typical requirements...ie...scores...baddies...judgements... I have 3 new cards but only 1 reporting atm Fingerhut  CL 700.00   Credit One  CL 500. not reporting yet and a Linen Source CL 250.. not reporting. I do have a secured CC for over a year with CL 1,000.00 with a high utl of 95%  I only have 1 open collection  and I have 2 tax liens. I don't want to app for it just to get denied. But I need some premium cards.

TIA

Cheryl

[MT936]

It's a fairly easy card to get a lot of my college friends first card was the discover it

[heyarrnold]

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@Cheryla18 wrote:

I did a prescreenig on the Discover IT card...and  they had a offer for me. SO  my question is...What are their typical requirements...ie...scores...baddies...judgements... I have 3 new cards but only 1 reporting atm Fingerhut  CL 700.00   Credit One  CL 500. not reporting yet and a Linen Source CL 250.. not reporting. I do have a secured CC for over a year with CL 1,000.00 with a high utl of 95%  I only have 1 open collection  and I have 2 tax liens. I don't want to app for it just to get denied. But I need some premium cards.

TIA

Cheryl

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Hi Cheryl,

I hope all is well!

Did you do the pre screen online? If so, their pre screen is generic. You can make up a name and a social, and the offer will still come up unfortunately :/ 

I was approved with a 640 score almost two years ago if that helps. I had no baddies. My score was so low because I was just starting out with credit and went application crazy lol.

[barbaralee]

I have a friend whos' credit is so nonexistent that all should could get was a $500 capital one starter card and a 24% interest rate on a car loan ... and yet she was approved for 2k on the Discover IT, lol.

[bigblue7722]

24% interest on a car loan Holy crap! Tell her to go to a credit union they can't charge more than 18%. As for discover it., I would personally recommend the chase freedom card cause u can recon. With discover there is no recon they may offered secured or joint cards but IMO it's not worth it

[cluelessoregonguy]

I really want this card too. Got prequal but wating for util (36%) to drop under 2% and my one blemish to drop off in 2 weeks. This is driving me crazy lol

Then the stupid retargeting ad campaigns follow you around screaming "APPLY NOW!!!".

I might not make it...

Good luck if you decide to app

[Closingracer99]

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@bigblue7722 wrote:
24% interest on a car loan Holy crap! Tell her to go to a credit union they can't charge more than 18%. As for discover it., I would personally recommend the chase freedom card cause u can recon. With discover there is no recon they may offered secured or joint cards but IMO it's not worth it

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The Chase Freedom is better because of Recon? lol?  I have both cards and while I wanted a Chase Freedom card and Finally got it Discover is much much much better imo..... Discover has the rotating 5%, Discover shop is much better then Chase UR shop, and Discover deals.  A Secured card isn't a negative considering you get the Deposit back once that card graduates or is Canceled and. 

[Anonymous]

Discover is conservative with derogs and new accts IMO.  New or no credit applicants have a far more easier chance of approval.  The other issue is like GE, there is no reconning a computer denial. 

What exactly is the verbiage you see for your offer?

[Cheryla18]

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@Anonymous wrote:

Discover is conservative with derogs and new accts IMO.  New or no credit applicants have a far more easier chance of approval.  The other issue is like GE, there is no reconning a computer denial. 

What exactly is the verbiage you see for your offer?

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Your Personalized OfferSECURE

Go Back

Here's The Card We Found For YouThe Discover it® card is changing the game.

Your Offer

• No Annual Fee*
• 0% Intro Purchase APR* for 14 months and then 10.99%– 22.99% Standard Variable Purchase APR.
• 0% Intro Balance Transfer APR* for 14 months from date of first transfer, for transfers under this offer that post to your account by October 10, 2014 and then 10.99% – 22.99%Standard Variable Purchase APR.*
• 3% of the amount of each transfer .
• * See rates, rewards and other info

Cash Rewards

• 5% Cashback Bonus in categories that change throughout the year like gas, restaurants and more up to the quarterly maximum. Signing up each time is free and easy.
  See 5% Cashback Calendar
• 1% Cashback Bonus on all other purchases -with no limit on how much you can earn.

Treatment You Deserve

• Paying late won't raise your APR*
• Pay your bill 'till midnight (ET) the day it's due online or by phone
• If you lose your job call, we'll lower your interest rate, monthly payment or find another way to help
• 100% U.S. based customer service available any time
• No late fee for you first late payment

 Compare with other cards 

Apply Now Back

[heyarrnold]

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@Cheryla18 wrote:

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@Anonymous wrote:

Discover is conservative with derogs and new accts IMO.  New or no credit applicants have a far more easier chance of approval.  The other issue is like GE, there is no reconning a computer denial. 

What exactly is the verbiage you see for your offer?

---

Your Personalized OfferSECURE

Go Back

Here's The Card We Found For YouThe Discover it® card is changing the game.

Your Offer

• No Annual Fee*
• 0% Intro Purchase APR* for 14 months and then 10.99%– 22.99% Standard Variable Purchase APR.
• 0% Intro Balance Transfer APR* for 14 months from date of first transfer, for transfers under this offer that post to your account by October 10, 2014 and then 10.99% – 22.99%Standard Variable Purchase APR.*
• 3% of the amount of each transfer .
• * See rates, rewards and other info

Cash Rewards

• 5% Cashback Bonus in categories that change throughout the year like gas, restaurants and more up to the quarterly maximum. Signing up each time is free and easy.
  See 5% Cashback Calendar
• 1% Cashback Bonus on all other purchases -with no limit on how much you can earn.

Treatment You Deserve

• Paying late won't raise your APR*
• Pay your bill 'till midnight (ET) the day it's due online or by phone
• If you lose your job call, we'll lower your interest rate, monthly payment or find another way to help
• 100% U.S. based customer service available any time
• No late fee for you first late payment

 Compare with other cards 

Apply Now Back

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It's a generic offer. Make up a name and put the SSN as 1234. The same offer shows up.