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

3 months ago, I was declined for Zync due to a large number of inquiries on my account (mostly from turning utilities and such on in my name - just moved in to my own place in January) and the newness of my credit report (8? months). I just got pre-approved for Discover More, though, which would be awesome to have since my main card right now is a credit union Visa with terrible rewards but a great APR. I never carry a balance, and have an installment in my name paid off, and no real outstanding debt (maybe $200 on my card, but as I said, I PIF every month). Think it's worth a try? I was going to wait until next year before any more applications to let all my inquiries fall off. I understand that since a pre-approval isn't guaranteed, I may just end up with another declined inquiry on my report to worry about for 12 months.

Google told me that Discover likes to pull Equifax, so I decided to pull my report on annualcreditreport. Apparently my Equifax has 3 inquiries but everything in great standing. I think it might be worth it, although I plan to wait at least a week for my latest payments to go through. I know my Experian looks a lot uglier right now then my Equixfax, which might be why Amex didn't want me for Zync in January.

I got a Discover More Student card with a $250 starting CL with a 2 month credit history about a year ago. Don't know if it'll work for you but 11 months later they gave me a $500 CLI and it has been my primary card ever since. I'd say go for it... AMEX is very picky afaik.

Well, I'm sure the student card is easier to get though. I'd actually be trying to get it instead, but last I heard they require you to be in a 4 year college and I'm still taking classes in a community college. A card I just paid off should have its statement cut tomorrow, I think I'll get it at least a week or so to post to my report before going for it.

Well, I decided to swing for it, got a message saying I was approved but to call them. 15 minutes later before I got a chance they called me and I was approved for $1,000! Not a great limit, but from what I'm reading on reviews Discover will grow with me for awhile! I'm excited - finally I can stop applying for new cards! This is exactly the portfolio I want until I start my full career

Congtrats on your approval and enjoy the card. I am in a similar boat as you as I received a preapproval offer for the More card. I am on the fence about applying. FIrst, I am concerned I will be denied and then have a useless inquiry. Seocnd, I am afraid of approval but with a low limit. The only reason I want the card is boost my total credit limit so as to positively affect ultiization. I have a gold Amex card and a useless mastercard with a low limit. Thanks for sharing your story.

Have you checked out the ShopDiscover yet? It is probably my favorite Discover perk.

I've been staring at it online and itching to try it out. I do most of my shopping online with the exception of groceries already, so this could actually net me a couple hundred a year in savings all by itself. I'm excited!

The CSR that approved my application quoted Tuesday for when my card will come in the mail, obviously every since since then I've been checking my mailbox 3 times a day... I'm hoping it comes a day early tomorrow since I live 2 hours from Chicago where they print most of their cards according to Google.

I'm really excited to have gotten in with Discover. I personally dislike some of the bigger Amex cards and was always interest in Discover, but the last time I applied I was insta-declined due to a lack of history. Really, unless I move and lose my credit union membership credit card, I don't see any reason for me to be applying for a new card for several years now. It's a great feeling.

I was right, my shiny new card came in today! I almost had a heart attack because the envelope had a small tear in it like someone had tried to get at the card, but it was just in the corner and there's no way anyone got the card number, so I shook it off as the mailman being in a hurry. Activated after 5 minutes of a nagging sales pitch for the payment protection plan! I've got 10 days to go shopping and enjoy the last of this season's 5% bonus! Sadly April - June doesn't seem like something I'll take much advantage of, though.

Despite the nagging sales pitches, I must say I'm already impressed by Discover's CSRs. The person I talked to was clearly new as she stuttered a bit, but she sounded professional and happy as always. Working in a customer service call center myself, I know that it's really, really hard to be nice all day and not sound like you've already had 200 calls that day. I wish we could get some more CSRs this good. They definitely must have strict hiring regulations.