Minimum credit score needed for Discover More card?

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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Minimum credit score needed for Discover More card?

Postby Meltdownblitz » Fri Jul 15, 2011 11:24 pm

(Updated for 2013) What do you all think my chances of getting a Discover More card? I'm debating, My Credit score according to CK is around 720 right now.. Anyone got any additional info about this card's requirements? Thanks.


Money card
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Postby Money card » Sat Jul 16, 2011 9:18 am

Since you have a zync card you should have no problem getting a Discover More with your credit score.

Back in 1987 or around 1989 I applied for the green card I got turned down. so then I applied for a first fidelity card they gave me a card. later on I tried for a gold american express got turned down. Then 1 day while I was at the nanuet mall I met american express and 1 of the employees offered me a optima card. I tried for the gold, they gave me a blue and white I canceled.

Then I went to caldors and picked up a Discover card application. At that time which was 1998 you had to make (gross income NOT net) 15,000 a year I don't know what the minimual income is today. I don't know how hard it is to get a Discover card. But My point is back in the Mid to late 90's I had NO American express card just a Visa and I ended up getting the card in 98 while you have a Zync card you should be able to get a Discover More card.

CCG
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Postby CCG » Sat Jul 16, 2011 2:14 pm

For a Discover More, the minimum credit score required to be approved historically has usually been around 700 to 710. Mind you that is for a true FICO and not FAKO. In order to obtain a true FICO you would need to purchase it directly from FICO/Fair Isaac Corporation. Third-party websites aren't selling FICO scores these days since Fair Isaac no longer pays commissions on referrals.

Sept 2013 Update: The More has been discontinued, you can no longer apply for it. It has been replaced with the new "it" card which is superior because it gives a full 1% on all non-category purchases (the More did not, it came with a tiered structure of "up to" 1% for non-category spending).

The minimum qualifications to get approved are comparable to the More, but perhaps a little easier since the economy has improved (some with FICO scores in the high 680's and 690's have reported getting approved). In a nutshell, if you have that score because you are newer to credit (rather than a bad history) then it seems they are more open to accepting/considering you. That's just my personal opinion though, obviously they don't disclose their underwriting to anyone.
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Good luck!

-CCG

Meltdownblitz
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Postby Meltdownblitz » Sat Jul 16, 2011 9:26 pm

Thanks for the info guys. I went ahead and applied and was approved so I'm pretty excited, can't wait for my new discover card to come!

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Postby Money card » Sun Jul 17, 2011 1:21 am

so which design did you choose? did you ask them what's the minimum annual salary you have to make in order to apply and get the card?

guru in your review there's no place where it states your minimum annual salary has to be. Meltdown as you know in my time period it was 15,000 a year. congrats on getting the card. any ideas on what you want to do about the thank you premier card?

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Postby Money card » Sun Jul 17, 2011 1:29 am

Meltdownblitz you know if you want the original black like I have you can get it, also if you want the red white and blue or platinum you can get any of these designs.

Meltdownblitz
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Postby Meltdownblitz » Sun Jul 17, 2011 12:47 pm

No I don't know the minimum annual salary but I'd say the minimum credit score would be at least 700+ in most cases to even be considered as CCG said. I think I'm going to pass on the thank you card for now. And what original black card, other color card designs are you talking about?

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Postby Money card » Sun Jul 17, 2011 10:59 pm

what I mean was when I first got the card there were just a few designs like the Black, platinum and the red white and blue.
But now Discover has tons of different designs and colors just wondering which 1 you will be getting.

Meltdownblitz
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Postby Meltdownblitz » Mon Jul 18, 2011 12:08 am

Oh I see.. I didn't pick a design so I'm guessing the discover more design.



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