What is easier to get, Discover it vs chase freedom

[ori68]

I’m planning to apply for a new card in the next 2 months’ or so. My current FICO as of today is 681. Score watch says my amount of debt and amount of new credit is “not good,” while everything else is good/great. My utilization rate is at 88%, but it should be 35-50% in the next few weeks after my payments reflect on my credit report. I don’t have any other chase or discover cards, and I have a stable income. I don’t want to apply for both, I would like to keep my inquiries low. I read that chase recon line is good, but I’m not sure if it is better than discover. So :

Who is easier to qualify with.

Who gives better/higher cl

[JSS3]

Discover It.

[indiolatino61]

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@ori68 wrote:

I’m planning to apply for a new card in the next 2 months’ or so. My current FICO as of today is 681. Score watch says my amount of debt and amount of new credit is “not good,” while everything else is good/great. My utilization rate is at 88%, but it should be 35-50% in the next few weeks after my payments reflect on my credit report. I don’t have any other chase or discover cards, and I have a stable income. I don’t want to apply for both, I would like to keep my inquiries low. I read that chase recon line is good, but I’m not sure if it is better than discover. So :

Who is easier to qualify with.

Who gives better/higher cl

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IME, Discover is easier, but Chase will give a higher initial CLI. YMMV, of course. 

[B335is]

Chase wins hands down. At least Chase gives you a good shot at reconsideration to explain past problems. Discover recon is next to non - existent and they're very YMMV with any negs regardless of age.

[eddie84]

For me, Discover was easier to acquired.  With Chase, I had to recon and recon and recon and recon and recon.....     you get the point. lol  But of course, it's YMMV thing.

[Ravensfan2001]

I was approved for Chase Freedom $7k and Chase Slate $4k, while Discover denied me.

[blondy250]

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@ori68 wrote:

I’m planning to apply for a new card in the next 2 months’ or so. My current FICO as of today is 681. Score watch says my amount of debt and amount of new credit is “not good,” while everything else is good/great. My utilization rate is at 88%, but it should be 35-50% in the next few weeks after my payments reflect on my credit report. I don’t have any other chase or discover cards, and I have a stable income. I don’t want to apply for both, I would like to keep my inquiries low. I read that chase recon line is good, but I’m not sure if it is better than discover. So :

Who is easier to qualify with.

Who gives better/higher cl

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Do you have any idea what your real scores are, it would help to know before you apply. Those FAKO scores in your sig are meaningless, and may give you a false sense of where you are.

[injustifiiable]

For me it was easier to get Discover. I tried for Chase twice and got denied both times...even on Recon. They were very nice though and let me know I should try again in maybe 6 months because of the new accounts I acquired in 2013.

[Peter1142]

What about TYP vs Freedom and IT?

[Darrell82]

I would say Chase. You can actually get somewhere on a recon in case you do get denied to explain anything that threw a flag on your report as Discover will pretty much stay with the denial you get online and tell you to try again later.

Good Luck