Discover More w/ Limited Credit History

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
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Discover More w/ Limited Credit History

Postby khaos » Thu Nov 03, 2011 8:24 pm

Hey Everyone!

I know Discover isn't accepted in as many places as Visa and Mastercard, but I am really interested in their Discover More card. I am trying to build credit as I haven't hard a credit card previously & judging by their rewards program I am not sure if I will be approved for a Discover More Card. Someone I know in the same situation as me applied for a Discover card and he was denied. My question here is has anyone with limited/no credit history ever applied for a Discover card and been accepted and if so under what circumstances? I have an income of 40k & nothing bad on my credit history although Amex did deny me their Blue Cash card because of limited credit history. What are my chances of being accepted a Discover More card and if none, what kind of credit score should I aim for in order to gain one.


CC Deville
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Postby CC Deville » Thu Nov 03, 2011 9:09 pm

Discover is a very conservative lender. They generally like to see at least a few years of your own credit (ie not "piggybacking" as an authorized user on someone elses account).

Having said that; however, I have been reading lately about people with iffy credit (scores under 700) being approved for a low-limit, high APR Discover Card. Your mileage may vary (YMMV).

Discover has a pre-approval function on their website: you would enter the requested information and it would result in a soft inquiry-this will not hurt your credit and only you would see this inquiry. Discover may or may not pre-approve you for something. Please remember that even if they do pre-approve you, this is not a guarantee for credit.

Can you tell us more about your overall credit file? don't currently have a credit card? Do you have any installment loans like a car loan, student loan, mortgage or personal loan? Are you a student? If you are currently enrolled in a degree program at an accredited 4-year college or university, you may be able to qualify for a student card.

Discover is not really a first-time credit card issuer (with the exception of possibly a student card). They generally like to see a few credit cards on file that are at least a few years old. You are shooting for the stars right off the bat. You may need to build for a few years before you get a Discover or Amex.

I would recommend Capital One and maybe a secured card from Bank of America. After a year or two of making on-time payments and keeping your balances low, you should be able to apply for the Amex and Discover with a good chance at being approved. Remember to only apply for credit when you really need it and try to keep your Experian inquiries low.

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