@Jd2683 wrote:
I'm a 681 Fico with Experian and already have a Discover card with DFS, but would like a different one to add to my portfolio.
Why is payment network your only consideration?
@Jd2683 wrote:
Any suggestions as to whom I can try that I might get approved for at that score would be appreciated.
It's never just about score but you can refer to the Credit Pulls Database (Google to find) if desired. Don't just rely on what you perceive as easy to qualify for. Review your reports, identify issues and work on addressing them. Sort out your needs/wants and find products that suit those requirements. Apply for those when your credit is in shape.
@Jd2683 wrote:
I'm a 681 Fico with Experian
Which model? FICO doesn't have just one model. You also need to consider the relevance of the model/CRA combo to specific creditors/products. Whatever model that score is, not all creditors use it in their decision as creditors do not all use the same model and/or CRA. If you want to determine where you stand score-wise with a creditor then you need to know the specific model & CRA used in the decision for that product and then go pull that score. You cannot rely on just one score for every creditor and product out there.
@Anonymous wrote:
@kdm31091 wrote:
Is there any specific reason you want to add another Discover? Try not to focus on network because in most cases it really doesn't matter. Focus on benefits.
I would add the caveat that it does matter in that AMEX and Discover networks are not as widely accepted as Visa and Mastercard networks.
In that context, one might want to avoid AMEX and Discover cards for that reason.
Acceptance can certainly be a consideration but kdm's point is that there are typically much more signficant considerations than payment network. Given that the OP is starting off with payment network, the OP probably isn't carefully considering cards. Any payment network covers a very diverse selection of cards.
