Is Discover worth it

[Anonymous]

I love my Discover card.  It fits the rewards I like to get.  I'll compliment it with another card at some point, but for now it works for me.  My wife just applied and got approved for a 3k CL with a 655 TU fico score and 3 years AAOA

[youngandcreditwrthy]

Did she have any baddies at all? I got denied with a 670'ish score and an aaoa of like 2.5 years :-/. I mean, I still have Chase, Amex, etc., but still perplexing nonethless.

[Pworld]

Everybody that got denied. did you call to Recon? if so they might give you a counter offer, of no intro 0 APR rate (not a problem if you plan to PIF). 

[youngandcreditwrthy]

I app'ed wayyyyy before I knew to recon LOL! So no, I didn't recon it. The only reason for denial was

- unpaid OR paid charge off reported on CR


It was an old $280 PAID TXU bill that got me denied... Sucks even more cause my mom ran up that bill in my name before I was even 18. Ohh welll lol

[LS2982]

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@youngandcreditwrthy wrote:
I app'ed wayyyyy before I knew to recon LOL! So no, I didn't recon it. The only reason for denial was

- unpaid OR paid charge off reported on CR


It was an old $280 PAID TXU bill that got me denied... Sucks even more cause my mom ran up that bill in my name before I was even 18. Ohh welll lol

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You should really dispute that, how old is it?

[AF_23]

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@youngandcreditwrthy wrote:
Is it easy to get? I ALWAYS get denied. I have a few prime cards, and I still get denied Discover! Once your an established cardmember, it seems like they offer you great rates, but they don't seem to be BT friendly initially? I'll do anything for 5% cash back haha! It's also been a year since I apped for Discover.

Maybe I'll try for IT in another six months!

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Very strange, because many in this thread alone got in with similar scores as myself. . You should speak with them and at least find out what issues they have with you

[happyhome40]

I absolutely love my Discover. I shop the discover mall and get 10-20% on all purchases. I only shop at stores that give me 10-20%. With the holiday shopping category coming up, discover card holders stand to make some pretty good money in Cashback. Not only do you get the normal 5-20% Cashback from the merchant you'll get an extra 5% from Discover for shopping online or in department stores. I don't know if that makes it worth it to you to apply,but for me, it is very worth it. I just got the card in May and I already have almost 200.00 in Cashback. I do not use this card for everyday purchases though because the measly 25% is a joke, but for shopping this is definitely my go to card, especially for the categories.

Hth

[injustifiiable]

I got denied for the same reason. I didn't call to recon...I wonder if I still can?? (I applied at the beginning of the month)