Discover Card Credit Card Reviews
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Title: Pre Approved!!!!!!!
Date Reviewed: 2012-07-18 08:20:43 | Recommended?: Yes
Review: Hi FG,
My wife got a preapproval yesterday, 5% cash back , 0% Apr for 15 months and 17.99 after intro. Applined online and she got a 5-7 Day message. Called and she awnsered a few questions. Approved $2,500. So her credit is getting good for 8 months of history.
She did get approved for Macys credit card for 300. They deined her at first because they put the wrong SS#. Now she has BOA 500 secured, Captial one 500 (750 by end of month Becuase of credit step) Chase Freedom 500, Macys 300, and discover 2,500. Over 10K as Autherized user. 7 inqures. Dont know Fico Scores, will update when i get approval letter from Discover.
I do have a Question should I cancel Cap one now or wait when its a year old? We got it in Jan-12. The reason is I know it wont grow with me, like how the others will grow.
Next on her list: Amex SPG and Chase sapphire preferred.
Title: My Very First Credit Card :)
Date Reviewed: 2012-07-19 12:47:18 | Recommended?: Yes
Review: I applied for this card last year, after being denied by citibank, capital one, and I believe BoA for student cards. I was searching for cards geared specifically towards students, as I was about to enter my freshman year of college, and this one popped up. I was not approved instantly, so I assumed like the rest of my applications I would receive my official denial letter in a couple of weeks. However, about a week and a half later, I received a call from discover wanting me to call them to discuss and verify information for credit application. I was one of those rare instances where they asked me for school information. I told them where I was going, what my intended major was, and my intentions for getting a credit card (to pay for plane tickets home!).
I had absolutely zero credit history when I applied for this card. They approved me for a CL of $750, with a yucky APR, but I tend to carry small to zero balances, so this doesn't affect me too much. They also had the intro APR of 0% for 9 months. My CL has since grown to $1350, and my credit score has shot up big time. I love the cashback benefits of this card and take advantage of them. I didn't realize at the time that I had scored with one of the most prime card companies out there, but now I do and am very grateful to Discover for giving me a chance!!!
Title: Approved
Date Reviewed: 2012-08-27 16:26:58 | Recommended?: Yes
Review: I was approved for $6,000 0% interest for 15 months for purchases and balance transfers also 5% cash back. Credit score Exp -674 Equ-684, Tran-678. I am so excited. I shredded all my credit cards back in September of last year when my credit took a nose dive with scores in the high 500. Been paying off all my credit cards to balances under $300 and now am excited that my score is increasing. This is the best credit card offer I received yet. So so excited.
Title: Stunned
Date Reviewed: 2012-09-05 18:32:48 | Recommended?: Yes
Review: I applied for this card last April 2011 after feeling lucky about my Citi Diamond Preferred card. Well, was I sadly mistaken b/c I received a declined screen. August 29,2012 around 9:00p.m I applied again, waiting impatiently, was told that my application was being reviewed. The next morning I check my status and was approved for $3k. 15 months no interest and 19.99% after. I have three crds $1k, $500, $400 which are Hsbc cards. Citi $10k. The three HSBC cards are charge to about 90% and balance on Citi is $7k I initially had plans not to charge Citi but didn't work out as plan after paying hundreds in interest I decided to apply for this card and an American Express card on the same night to pay off my Citi Balance completely. Luckily, I was approved for both. Hist, no miss payments, no negatives and 3 inquires. Fico 710 according to Discover. My card was Delivered in 48 hrs.
Title: Approved...CL Increased Because Of Balance Transfer $ Needed
Date Reviewed: 2012-09-18 22:04:26 | Recommended?: Yes
Review: Tried the online application twice and customer service couldn't find my application so they sent me to another department to take my application over the phone. After taking my information they sent me to another department to review my application. The rep had my credit report in front of her and she asked questions as needed to clarify. It was nice to talk to a human while they were looking at my report... She informed me that I qualified for a CL of $4000, but I explained that I was hoping for $9000 to do a balance transfer from a BOA high APR Gold Option Loan. She said that she would input my request but I would still only qualify for $4000. She submitted my balance transfer request and then surprisingly, to her and I, the system increased my CL to $10k! She informed me that I would receive my card in 1 week.
CL $10k
APR 19.99 (surprisingly high)
Balance transfer fee 3%
18 mo interest free on balance transfers
EX 768 EQ 768 TU 777
5 inquiries. 2 from recent credit apps (decline from Amex and approved for citi Forward)
Title: Discover IT
Date Reviewed: 2012-12-28 06:08:00 | Recommended?: Yes
Review: Actually got the Discover IT card, no logo for IT card here on finance globe, but excited that after almost 5 years, credit's beginning to change
Got a $1700 limit, it's a start.
Title: $1000 Cl
Date Reviewed: 2013-02-12 15:08:10 | Recommended?: Yes
Review: Got $1000 credit line. Unsure who they pulled and will update when I find out. All of my scores are in the 650 range. I called in to apply and they were great to work with.
Title: Upgraded To This Card Because I Was Bored....
Date Reviewed: 2013-02-14 11:24:47 | Recommended?: Yes
Review: Bored, can't seem to justify the AF for a AMEX Platinum Card, and no other card out there interested me at the moment so I decided to upgrade my " MORE " card to the " IT " card. Rarely used the " MORE " card and the same will apply for this card. Just something to have that currently is " IN ".
Title: Approved But Low Limit
Date Reviewed: 2013-04-05 22:53:57 | Recommended?: Yes
Review: Wanted a discover card and was approved with a $1000 credit limit (one of my lowest limits in comparison to the $20K limit on my other card). I'll wait 6 months and see if I can get the limit increased.
Title: Approved
Date Reviewed: 2013-06-10 23:05:15 | Recommended?: Yes
Review: Recently decided to apply for the Discover IT card after receiving many prescreened offers in the mail for this card. Other cards that I hold are Bank of America card ($1000 CL), 2 Cap One (both $750 CL) and Macy's store card ($500 CL). I can honestly say I was surprised after applying online and seeing that I was instantly approved for the card. Once I was approved, it did not tell me what my limit was so I decided to call in and find out what it was. After speaking to one of the very nice representatives, I almost fell out my chair when she congratulated me and told me I was approved for a $6000 CL !! I found it pleasantly surprising because my FICO is 680 and a few months ago I applied for a Citi Thank You card and was denied. I am definately excited to hold this card because of the nice rewards you get with it. Can't wait to start taking advantage of the rewards!!
Title: Approved 1k Credit Limit
Date Reviewed: 2013-08-13 14:24:06 | Recommended?: Yes
Review: I applied for one of their offers, and they came back with a counter offer which was fine with me, approved with $1000 credit limit, can't wait to start getting the cash back rewards.
Title: Applied For And Was Approved!
Date Reviewed: 2013-08-15 12:29:37 | Recommended?: Yes
Review: Last week I applied for the Discover It card was approved with the 0% into rate for 14 months and 13.99% rate after. Credit limit is $5000. Received my card yesterday. My EQ score was 696. I have store credit cards but I need a few regular credit cards for travel, etc. I am hoping this will help make it a little easier to get other credit cards.
Title: Approved $1500 CL With Average EQ Score
Date Reviewed: 2013-11-29 20:47:59 | Recommended?: Yes
Review: I received an invitation to apply in the mail and used that code to apply online.
After answering questions about my employment, I was informed that I was approved and was able to register for an account right there. It didn't inform me of the limit but I called the 800 number and was directly connected to a representative in Ohio. He let me know that I was approved for $1500.
First prime card in many many years...EQ is 678, clean but with one 3 yr old collection account. Have plenty of credit with store cards and util is under 20%. Perfect payment history going on two years now.
Thanks Discover!
Title: I Love The Card & The Elite Customer Service!
Date Reviewed: 2014-04-12 00:28:08 | Recommended?: Yes
Review: Initially I was approved for $13k my score was 724 and the only thing I had was a paid off Chase Loan and a current Auto Loan with Ally Financial. There Customer Service is Amazing and I love their Rewards Program! The card is delivered in a very nice packaging in just a couple of days.
Title: Denied Disapointed!
Date Reviewed: 2014-11-04 18:15:00 | Recommended?: Yes
Review: I just apply for this card having been pre-approved and getting letters in the mail I said what the heck I go ahead and apply online. My Fico score EQUIFAX 611,633 ? Don't know the 3rd score. I am in the process of repairing my credit maybe I'll try again in 6 months or so. I also got a Capital one pre-approve in the mail too which states that I'll get a credit limit for $300.00 didn't apply for it. This would of been my very first c.c. I don't own any cards disappointed but there you have it!
Title: Approve
Date Reviewed: 2014-11-08 22:07:11 | Recommended?: Yes
Review: It has been about 3 years since i posted at time i was rebuilding my credit i remember Wander telling me to slow down on appling for credit cards. I took his advice and didnot apply for any more cards until i build up my credit score,waited 2 years he said be take an easy and offer will come today i was approve for discover it card credit limit 3500.00 and also approve for target card 1000.00 and citi thank your card 4000.00 credit score are experian 700,transunion 720 exqifax705 thank you so much you were so right these are my first prime cards.
Title: Thank You Discover For Giving Me A Second Chance!
Date Reviewed: 2014-12-11 14:15:53 | Recommended?: Yes
Review: I had defaulted with my Discover cards over 10 years ago and I never thought I would get approved for Discover card again. I'm rebuilding my credit slowly and last month I tried their prequalification (no hard inquiry), and was elated that I was considered for a card. While I didn't get the original offer,I did receive a secondary offer with a 22% interest rate, and a 10.99% APR for balance transfers for the first six billing cycles, and $1400 credit line. (I did have to call the Recon line to verify info)
My Equifax credit score was 631. I'm super excited because this card has a lot of great rewards. Thank you Discover for giving me a second chance!
Title: Middle Score 618..denied
Date Reviewed: 2015-01-02 18:20:38 | Recommended?: No
Review: I got pre-qualed for this card but after the hard enquiry
was denied..be careful if you dont want any hard enquirey on your report.
Title: Approved!!!!
Date Reviewed: 2015-04-17 19:58:47 | Recommended?: Yes
Review: Have been rebuilding credit for last 2 years. Current Equifax score is 684, I got approved for $6200 with 0% for 15 months.
Title: Recover From Chapter 7
Date Reviewed: 2015-04-24 19:20:02 | Recommended?: Yes
Review: Chapter 7 2012
Just got this card the other day Fico 666
1000 Credit Limit
Navy Federal CreditUnion 8000 Credit Limit Mastercard and 3,000 Credit
Visa card
Obee Credit Union 4300 Credit Limit Visa Card
Capitalone Sonycard Limit 4250 and Master 2500
Barclay Mastercard 2000 Limit and Visa Limit 450
Walmart Credit Limit 700
Target Credit Limit 300
My Scores After Chap 7 were 640 and now have gone up too a High of 706 701 666
Title: 2nd Chance
Date Reviewed: 2015-10-15 13:49:59 | Recommended?: Yes
Review: BK-13 2007 had to include Discover, but they gave me another chance, Thought it was a computer glitch, called and approval was confirmed. Received the card today.
Title: Never Again Discover
Date Reviewed: 2016-04-13 22:23:54 | Recommended?: Yes
Review: I applied for this card today after receiving inviation offers to come back after i closed my account with them back in 2011. I closed it because the CL was low and I had plenty of other cards with higher limits. Giving them another shot I tried today and was approved for a CL for 2500. Seriously? They pull equifax which unfortunetely is my lowest score at 722 but I have close to 100K in income a year. I can make payments larger than 2500. I called to see what they could do and the rep i spoke with said yes they get a lot of applicants with good credit calling in asking why the CL's are so low he advised they are a very conservative lender. Ok... Be conservative with a 560 fico i totally get that but not over a 700. Prime clients are the clients you are suppose to stick your neck out for. I am a credit analyst as a profession and am always generous to a 700+ fico that comes across my desk. Shoot... They have worked hard for it.
Title: Love This Card
Date Reviewed: 2016-05-16 19:48:20 | Recommended?: Yes
Review: With only four months of credit history, Discover sent me a $1000 Dollar credit card offer. I accepted it and I was surprisingly approved with a soft pull plus!!! Two months later I was given a $1500 dollar credit limit increase! I have read reviews about Discover being too hard to get by some and always having trouble getting credit line increases but, I'm living proof that Discover is the opposite of what I have read. Discover is a great credit card provider. Thanks Discover!!!!
Title: Back To Discover
Date Reviewed: 2016-06-16 04:01:02 | Recommended?: Yes
Review: Had this card many years ago, 1998 but closed account. Never really thought about going back. Limiting my cards to 3 cards and this is what I chose to complete that 3. FICO was 705 with instant approval $5500 cl.
Title: Perfect Card For Students
Date Reviewed: 2017-03-16 13:44:12 | Recommended?: Yes
Review: I just came across this wonderful card for my daughter. She will be going away to college soon and this card will actually reward her with a $20 bonus at the end of each year if she maintains a 3.0 GPA. The credit limit is just enough for her (around $1000.00) and she still has the ability to earn rewards on purchases. The APR is variable at 13.49%- 22.49%, but there is a six-month introductory period where all purchases are 0%. I would recommend this card to any student that is just starting college and doesn't have a big credit history or have student loans on their credit report.
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