Lowest FICO Score for Discover Approval

[Repairman]

I'm curious as to the lowest known FICO scores out there that got approved for a Discover It card. I'm sitting in the high 600's with some late payment history from 10 months ago, and wondering whether I should pull the trigger on a Discover application.

[Skye12329]

Discover in my opinion is an odd ball. I applied for the student card over 2 years ago with scores in the 700's and got declined due to student loans.

I apply almost last year with a 684 Equifax at the time and they approved me for a starting line of 4000, i didnt have any baddies though. So that might be an issue. 

[Anonymous]

Flip a coin on Discover.  They're a very funny lender and definitely care more about the actual history than the score itself.

If your scores are lower than around 680 or so, be prepared for a possible counter offer for the joint card or the secured card.  However, with blemishes it's an absolute crap shoot as to whether they decide to take a chance with you or not.

[Anonymous]

I am quite convinced Discover flips a coin for approval and spins a roulette wheel for CL. That's based on my reading here and my own app experience with them . I applied a week ago, EQ score was 676, Have some lates also, approved instantly online. Received my card yesterday, CL = 10.5k... almost 3x limit of my other cards. Not complaining. I really only applied because I needed a third CC and they offer free monthly TU FICO scores. Seems like a classy card with the fancy packaging. I say go for it.

[Anonymous]

I applied for myself then my spouse and got decline. 
After reading about their cards on here, I think AMX Blue cash is still among the best. 

[Anonymous]

Discover has been good to me lately.  They have a pre qualifier.  Go try it.

[CreditCuriosity]

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@Repairman wrote:

I'm curious as to the lowest known FICO scores out there that got approved for a Discover It card. I'm sitting in the high 600's with some late payment history from 10 months ago, and wondering whether I should pull the trigger on a Discover application.

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630's for some people for whatever reason

[Repairman]

Interesting. How many lates do you have? What types of lates? And how recent are they? I have 2 or 3 lates from 10 months ago.

[ojefferyo]

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@Anonymous wrote:

Discover has been good to me lately.  They have a pre qualifier.  Go try it.

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You'll have better luck finding a pot of gold at the end of a rainbow.

[Anonymous]

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@Anonymous wrote:

Discover has been good to me lately.  They have a pre qualifier.  Go try it.

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Mickey Mouse and Donald Duck have no problem getting approved using it.