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  1. #1
    Eric2OO2 is offline Senior Member
    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.  
  3. #2
    hkolln is offline Registered User
    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.

  4. #3
    Eric2OO2 is offline Senior Member
    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 -

  5. #4
    kbanger is offline Senior Member
    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!!!

  6. #5
    Eric2OO2 is offline Senior Member
    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 -

  7. #6
    Mecro is offline Senior Member
    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.

  8. #7
    marci is offline Senior Member
    Join Date
    Oct 2000
    Posts
    2,370

    Re: Discover Card, hard to obtain ?

    Eric,

    I;ve applied for Discover three times since getting my credit back together, and I was denied each time for "too many inquiries" and "too many new accounts". I was denied even on reconsideration by a gentleman who agreed with me why the inquiries shouldn't count against me.


    Anyway - I have found ALL of their customer service people rude and hostile each time I called. There was no reason for the lady to speak with you that way while she's trying to get your application... unreal!

    I will not apply for Discover again. I think that the executives of any company set the tone for how the employees behave, and I have little respect for Discover now.
    marci
    __________

    AmEx Blue 8.49%
    BofA Platinum 10.99%
    Capital One Platinum 8.99%
    Chase Platinum 6.99%
    Citibank Platinum 7.99%
    MBNA Quantum 9.49%

  9. #8
    SilentBob is offline Senior Member
    Join Date
    Sep 2002
    Posts
    170

    Re: Discover Card, hard to obtain ?

    How many places take Discover anymore other than Sears. Maybe its just cause I live just north of nowhere but it does seems like Sears is the only place that takes Discover.
    Every passing moment is a chance to turn it all around.

    EQ 608
    Exp 561
    Faco 501

  10. #9
    DemPooches is offline Senior Member
    Join Date
    Jun 2002
    Posts
    797

    Re: Discover Card, hard to obtain ?

    Marci,

    I had a similar experience with Discover. Last application and request for reconsideration resulted in THREE hards. On the first one, they said they couldn't get my credit info...that there was no report. (EXP)

    Then it was too many inquiries....then too many new accounts when all the INQs were gone from Doc's Trick. I've had a belly full of them!

    With the scores we had when we've applied and the reports they pulled there was no reason for declining us. As a matter of fact, both of us got approvals from others that were from inquiries that came AFTER the Discover ones.

    We've decided we'll have a Discover account when they send us a guaranteed pre-approval for an offer we can't refuse. Till then, we'll let others who really want and appreciate our business make some money.

    DemPooches

  11. #10
    suzza is offline Member
    Join Date
    Aug 2002
    Posts
    88

    Re: Discover Card, hard to obtain ?

    Originally posted by SilentBob
    How many places take Discover anymore other than Sears. Maybe its just cause I live just north of nowhere but it does seems like Sears is the only place that takes Discover.

    Discover card is the only card Sam's Club will take. Most restaurants will take it, lots of department stores, and many more. It's a card worth having.

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