Minimum Credit Score For Discover Card?

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
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citrate
 
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Minimum Credit Score For Discover Card?

Postby citrate » Fri Aug 23, 2013 10:08 am

I hear Discover is choosy in accepting applications. Can any of you hear provide insight as to what is the minimum credit score needed for a Discover it card? I only want to apply if my chances of getting approved are relatively good.


infomaniac
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Postby infomaniac » Fri Aug 23, 2013 1:09 pm

I know someone that was turned down with a 706 for the Open Road (now discontinued) and that was three years ago. The minimum credit score for a Discover card might be even higher now. If you are new to credit your chances may be better perhaps.

update: CK reports that the average score of "It" cardholders is 707 so it's worth a shot.

[discoverit].[/discoverit]

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Cucumber
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Postby Cucumber » Fri Aug 23, 2013 2:26 pm

The minimum credit score for Discover now is I'm guessing at least 710-720 and up (not counting student cards)
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Smerri
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Postby Smerri » Fri Aug 23, 2013 2:38 pm

I don't know what they are like now but in 2008 when I applied for them with no credit and was accepted with a $500 limit.

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Postby Semprak » Fri Aug 23, 2013 5:10 pm

Not that a Discover card will be in my near future LOL but will Discover ever accept applicants that have a bankruptcy on file or will I have to wait until that falls off. And will the minimum credit score need to be higher for someone with a BK on file?

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Pete838
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Postby Pete838 » Fri Aug 23, 2013 9:58 pm

700+FICO and $80K income got me a $7500 Discover More card (now discontinued but it's basically the same as the It). I got it to take advantage of 0% on a balance xfer through next year.
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Cucumber
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Postby Cucumber » Sat Aug 24, 2013 1:32 am

Speaking of credit scores for Discover cards, why does everyone and their mom make fun of Discover acting like it is a second class credit card? I mean to get one you gotta have a credit score higher than some Amex cards require.
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Postby jeffysdad » Sat Aug 24, 2013 9:09 am

I don't know why D Card is ridiculed so much. I don't carry mine except for when the 5% rewards are in effect for a category I frequent (restaurants, groceries), but I've only had my Discover turned down 2-3 times that I can remember. Once was at Subway, which didn't take Amex at the time either. The other time I can remember was at a new restaurant in town that did take my Amex instead. I suspect they were trying to save money or just hadn't gotten around to getting DC capability since they were a new business.

I think Discover customer service is as good as anybody's and better than Amex. I think their website is only equaled, perhaps, by FIA Card Services and is better than Amex, Citi, Chase, et al.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

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Postby Acquitted » Sat Aug 24, 2013 1:44 pm

I don't know anything about Discover cards. I have looked into getting one recently (or at least applying). I reeived a few "prequalified" offers for the Discover it card. As a current Amex (charge card) and BoA Visa holder, I was impressed with the Discover card. The only reason I have not applied is because my score is somewhere in the upper 600s but I am almost positive is not 700+. I recognize that "prequalified" is not a guarantee, it only means you meet minimum requirements (which leads me to believe the minimum score is not 710-720).

I decided not to apply (out of concern for being denied). But, it does look like a sharp card.

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Use that score for a better card than Discover

Postby Iroquois » Sat Aug 24, 2013 4:11 pm

If you are concerned about being approved then you may want to use your score for a card that has significantly better merchant acceptance, pricing, better card functionally, and much better customer service. Discover creates slick but inconsistent commercials, yet woefully fails in taking care of customers (per BBB comparisons to other cards and personal experience). You may want to consider Visa or MC from an issuer different than your present one. Chase, Citi, BofA, even Capital One all offer a superior product and probably have a card that fits your circumstances.

What was it you found attractive about Discover that is important when you actually are buying something? Credit line? Nope; Acceptance? Nope: Pricing? Nope. Customer service ? Nope; Fine print in the offer? Nope.



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