Discover Card, hard to obtain ?
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  1. #1
    Join Date
    Aug 2002
    Posts
    426
    Well the title pretty much lists the question ;-) How hard is a Discover card to get ? Just a plain discover card is all I am asking about at this time. My credit history is a year old, Equifax score 720. I have 2 tradelines reporting - Target which lists as too new to rate, and my Capital One Visa which has been reporting for a year. My chevron cards hasnt began reporting yet. What do you think my chances of getting a discover card would be ? Just looking too add tradelines here ...

    Ps - Yes I did a search and it isint working , also I'll be waiting til bumpage gets ahold of the remaining hard inquires on my report :D . Thanks!
    - Eric -


  2. #2
    Join Date
    Aug 2002
    Posts
    223

    Re: Discover Card, hard to obtain ?

    I just obtained one with my score. I don't have any lates at all, just alot of inquiries (we were trying to refinance our home awhile back). I didn't get the platinum card but I got the regular discover card with only a 1200.00 limit BUT I didn't want alot cause I only had 1000.00 I wanted to BT over to it for the 0% for 8 months deal. Once I get that paid off in 7 months I'm gonna try for an increase.

  3. #3
    Join Date
    Aug 2002
    Posts
    426

    Re: Discover Card, hard to obtain ?

    Well I decided to call them and explain my situation a little bit with my credit history being short and ask what the chances of approval for me were. That customer service rep. than proceeded to very rudely tell me that she was NOT a credit anylast and that she was only there to take applications. Damn if thats their defintion of service maybe I don't want their card anyways. :X
    - Eric -

  4. #4
    Join Date
    Jul 2002
    Posts
    851

    Re: Discover Card, hard to obtain ?

    E2002,

    What are you doing applying for a card?!!! Did you handle the Amex and inquiry thing? Remember strategy.

    Congrats on the Chevron Cards. Just watch it.

    Holla at your boy!!!

  5. #5
    Join Date
    Aug 2002
    Posts
    426

    Re: Discover Card, hard to obtain ?

    Originally posted by kbanger
    E2002,

    What are you doing applying for a card?!!! Did you handle the Amex and inquiry thing? Remember strategy.

    Congrats on the Chevron Cards. Just watch it.

    Holla at your boy!!!
    Sup man ? Hows the family ? Hope all is good ! I didn't apply for anything ( LOL ) I Remember the startegy. I did apply for a Cap. One Mastercard tho. Im waiting for the chevron and previous Amex inquires to fall off than im going to reapply for Amex. I called them not too long ago after I got the letter saying the collections were no longer reporting. They said I could reapply. Waiting for bumpage.. >:)
    - Eric -

  6. #6
    Join Date
    Jul 2002
    Posts
    280

    Re: Discover Card, hard to obtain ?

    Well I originally got a discover card as a freshman in college. I am assuming you are like 18-20 so just apply as if you are a college student. They never check.