Anybody know what discover card fico score cutoff is for platinum? Dh has 685 and we applied today, so that we can consolidate his 2 cards and hopefully raise his score. I am a bit mystified as to why his score isnt higher. He has 1 late from 1996 and scores of good credit. Only one card has 85% usage. Is this bringing him down? Also we are thinking of getting him a depatrment store card next month, like a walmart or something. Can this help? Any and all info appreciated. ** On a side note, I disputed 3 baddies on my credit and TU has listed them as disputed, but equifax has not! What gives? Does anyone know how long it takes them to do so?
I have a discover platinum and it took about 2-3 weeks for a response by applying through telephone by a preapproval. A word of caution, usually you should NEVER apply if your utilization is over 50%, because the negative reason code "utilization too high" will kick in, although some Cnetter's have had success being approved despite high utilization. You can call 8003474736 New accts dept (mon through fri 9AM to 9PM EST). Good luck, let me know the results!
