Discover card requirements?

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
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Postby mubex » Wed Aug 28, 2013 3:23 pm

i get 3k CL with Experian Score 698
Card: Discover More

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Postby irvine801 » Wed Aug 28, 2013 4:07 pm

I wish I had an escape card. Af isnt bad at all and 2 miles per dollar is mos def worth it. But I do like my more card. Only thing I dislike about the more the 3k tier spending for cash back. but other then that its a great card.
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit

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Postby FutureBillionaire » Thu Aug 29, 2013 12:59 pm

irvine801 wrote:I wish I had an escape card. Af isnt bad at all and 2 miles per dollar is mos def worth it. But I do like my more card. Only thing I dislike about the more the 3k tier spending for cash back. but other then that its a great card.

I have the IT and the Escape. I'm enjoying them both.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

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Postby otter » Sat Aug 31, 2013 3:46 pm

CreditCardGuru wrote:It's worth noting that if the reason you have that score is due to limited credit history, they seem to view that more favorably then if you have it because of a charge-offs or a bankruptcy in the past (in short- they seem more open to taking a chance on those with thin credit files, as long as there isn't charged-off debt).

CCGuru hit the nail on the head. I've applied for credit with Discover at least 10 times in my life and just got accepted by them for the first time. I've had better FICO scores and a thicker file when applying before, but the difference is this time I have no derogs in my report. Discover seems to have little tolerance for anything bad in your file and can be unforgiving for even stale 5-6 year old bad debt.
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

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Postby randeman » Mon Sep 02, 2013 12:23 pm

I got my Escape with a score between 660-680, don't remember exactly, with a couple of old baddies on my report. Started with a $4000 limit. I did have to call in as I got a "we'll look into it and get back to you" answer. I called and they just wanted the answers to a couple of innocuous questions
Cards and Credit lines Acquired:

Escape by Discover (7.75K), Barclay Holland America Visa (7K), Macy's store card (7K), Bloomingdale's store card (2.6K), Citi Custom Credit Line (3.5K), PayPal Smart Connect credit line (2.7K), Chase Freedom Visa (5K), Chase United MileagePlus Visa (5K), Chase Sapphire Preferred Visa (6K), Amazon store card (2.2K), Lord & Taylor store card (550), Nordstrom store card (1500), Gold Delta SkyMiles from American Express (3K), Discover It (6.5K), PayPal Credit Line (1K).

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Postby skippy » Thu Sep 05, 2013 2:08 pm

For what it's worth my wife was just approved for an IT card with a 4K credit limit. She has a 7 year old bankruptcy on her record but other than that a pretty thick file with no other derogs. (Mortgage, Car Loans, Revolving and Installment Lines) Her CreditKarma score is a 698 right now.

She was approved instantly online, but it took them 2 days to send her an email with acct details.

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