Pre-approved for Discover More.. should I risk it?

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
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Meltdownblitz
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Postby Meltdownblitz » Sat Jun 11, 2011 8:22 pm

What kind of credit score do you think you need to get accepted for this card? They pull EQ right?


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Mogul of Pineapples
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Postby Mogul of Pineapples » Mon Jun 13, 2011 9:54 pm

Discover is harder to get than most Amex cards, which surprises many people. Generally you need a 700+ for the Discover More and I'm guessing a few points lower may get you the Motiva card. As far as which bureau they usually pull from, I have heard it varies by state.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

Current Cards:
American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
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Primary Travel Card: Chase Sapphire Preferred

Iroquois
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Postby Iroquois » Wed Jun 15, 2011 4:45 am

>> There is a person on here that has posted several negative credit card reviews regarding their service but aside from that, it seems most people like it.<<

In my view Discover belongs in the back of the wallet.

The referneced comment above seems like a fair reflection of the postings of this board, however a more objective and perhaps more beneficial approach may be to take a look at BBB ( Better Business Bureau) rankings for each of the credit card card issuers you may be considering. The "facts" from a supposedivly objective, unbiased third party, based on complaints and resolution of complaints, places Discover Card below that of major competitors.

There is little doubt that Discover trains CSR's to "smile" on the phone, however the organization's policies are less customer friendly and that is what the CSR's ultimately are conveying. As acknowledged in this thread, Discover is more stringent with its credit policies, which logically means will be more difficult to deal with (even though smiling) should an issue of any sort related to payment posting, line usage, or anything else related to the card's fundamentals arise.

On a comparative basis, the Discover More card that I have is in the back of the wallet behind cards with greater merchant acceptance, lower APR's, dramaticly better spending/credit limits and much less dogmatic customer service ( it took them 6 months to ultimately correct a problem on my account that they themselves created and which was very clearly documented). If you are measuring actions and real behaviors, and not just words then follow the substance. They also appear to me to be less consistent over time with their actions; consistency and reliability usually being important factors to customers.

Just my view

Meltdownblitz
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Postby Meltdownblitz » Thu Jun 16, 2011 11:47 pm

Iroquois wrote:>> There is a person on here that has posted several negative credit card reviews regarding their service but aside from that, it seems most people like it.<<

In my view Discover belongs in the back of the wallet.

The referneced comment above seems like a fair reflection of the postings of this board, however a more objective and perhaps more beneficial approach may be to take a look at BBB ( Better Business Bureau) rankings for each of the credit card card issuers you may be considering. The "facts" from a supposedivly objective, unbiased third party, based on complaints and resolution of complaints, places Discover Card below that of major competitors.

There is little doubt that Discover trains CSR's to "smile" on the phone, however the organization's policies are less customer friendly and that is what the CSR's ultimately are conveying. As acknowledged in this thread, Discover is more stringent with its credit policies, which logically means will be more difficult to deal with (even though smiling) should an issue of any sort related to payment posting, line usage, or anything else related to the card's fundamentals arise.

On a comparative basis, the Discover More card that I have is in the back of the wallet behind cards with greater merchant acceptance, lower APR's, dramaticly better spending/credit limits and much less dogmatic customer service ( it took them 6 months to ultimately correct a problem on my account that they themselves created and which was very clearly documented). If you are measuring actions and real behaviors, and not just words then follow the substance. They also appear to me to be less consistent over time with their actions; consistency and reliability usually being important factors to customers.

Just my view


Thanks a lot for the heads up and your opinion of them, That helped me a lot with my decision.

NuPlastic
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Postby NuPlastic » Sat Jul 02, 2011 9:17 pm

Discover is harder to get than most Amex cards, which surprises many people. Generally you need a 700+ for the Discover More and I'm guessing a few points lower may get you the Motiva card. As far as which bureau they usually pull from, I have heard it varies by state.


I am really late to the party, but I just got approved for a Discover More Card. My Score is less than desirable, and I had applied before. I managed to take a denial letter and make it an approved one; simply by calling and explaining that I wanted a card, because of the wonderful things I have heard. I also explained that the benefits of being a Discover Card member was something I sought, for quite sometime.

They approved me with a CL of 2500. I am in Texas, I do not know what score they pulled but regardless all three are rather bad.
Now, I believe this to be key, they asked what I was using the Card for? Strange huh? I said, I know I have the options of transfers and great rewards on things like gas, groceries... you get the drift. Act like you don't need it, but want it as a trophy in you wallet. Make them think its the biggest trophy you know of.

Side bar, it used to be worse before I found this site, and learned better ways to manage my credit.
Current Cards: American Express: Green Bank of America: Platinum Plus Visa Discover: More Capital One: No Hassle Rewards, Platinum Master Cards
Primary Everyday Card: http://creditcardforum.com/rewards/232-warning-american-express-blue-cash-here-s-catch.htmlBofA: Platinum Plus Visa
Primary Travel Card: Amex: Green



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