- Centurion Member
- Posts: 151
- Joined: Thu Apr 17, 2008 6:52 pm
- Location: Austin, TX
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.