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  1. #1
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    Default Is a Discover card hard to get?

    (Updated 2013) Compared to credit cards from Bank of America, Citi, Capital One and similar is a Discover card hard to get? Their ads and color schemes are playful and I thought that meant they were easy to get. Then I read that a Discover card is harder to get than an American Express. Any truth to that statement?
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  2. #2
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    I recently applied for an AMEX Blue Sky and Discover Miles card and I was denied from AMEX (after about 2 weeks) because "I wasn't an amex cardmember for long" (I got the AMEX green charge card a couple months prior), and because "I had too many hard pulls on my credit report". When I checked I only had 2 pulls, one was from AMEX themselves for the green charge card...

    Discover on the other hand took their sweet time (2 weeks) to contact me, and as I posted earlier in another board on this forum, they didn't approve me instantly because my household income (the income I gave them on the report) was different from my personal income...How they had that information I dont know, I never banked with Discover and this was my first card with them. Nonetheless they approved me for a generous credit limit 8,300 - at least in my opinion.

    FYI my credit score is ~735 and I have low balances on all my cards (some with no carried balance), no BK, 0 negative hits on my report, always on time payments, decent income and age on accounts.

    In short, from my experience, AMEX Credit Cards are harder to get than Discover, or any other CC for that matter, but hey, they obviously don't want my business so its their loss.

    If you are in college, the student version will be much easier to get.
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    Centurion Member Mogul of Pineapples's Avatar
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    It really depends on the card. Overall I would say Discover is a bit harder and the only reason I say that is because the entry level AmEx charge cards might be easier to get than a Discover More, Miles or Escape.

    The Blue used to be an easy one to get approved for but AmEx got burned pretty bad with those accounts during the recession, which isn't surprising since they were approving riskier applicants. Since then it almost seems as if Amex has went overboard in the opposite direction by making the requirements too stringent. There have been quite a few people post on here over the last year that have been denied, who like you, had a good history.
    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
    Primary Everyday Card: American Express Blue Cash
    Primary Travel Card: Chase Sapphire Preferred
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    I applied for an Amex Zync (mostly because im young and have decent credit) i was instantly denied, Discover approved me for the More card with a 6500 dollar limit.

    Maybe it was just me, but it seems like Amex is quite picky these days...idk.
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    Discover is pretty stringent. I have very low limits on my discover cards compared to the limits I have on my Bank of America and other cards.
    Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
    Plane tickets: CSP
    Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
    Clothes: Express, Amex BCP, Discover IT
    Amazon: Citi Forward, Cash +
    Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
    Hotels and other travel: Discover Escape, CSP
    Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
    Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
    Balance transfers: Kroger 123 rewards
    Bill Pay: Chase Ink Plus, Citi Forward
    Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
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    Centurion Member DavidNY's Avatar
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    Quote Originally Posted by FutureBillionaire View Post
    Discover is pretty stringent. I have very low limits on my discover cards compared to the limits I have on my Bank of America and other cards.
    True. Not hard to get but lower limits than my other issuers.
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  7. #7
    agp
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    Discover and CU cards are most people's first cards so they are not hard to get. But their starting CL is often low.

    Main Card: Amex Platinum
    For gas: Penfed Platinum Cash Rewards
    For travel & dining: Chase Sapphire Preferred
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    Quote Originally Posted by agp View Post
    Discover and CU cards are most people's first cards so they are not hard to get. But their starting CL is often low.
    Would you call 6500 a low first card starting CL? Everyone i talk to says thats pretty substantial for a first card.

    I know its nothing impressive by any means, when i grew up my dad had a combined CL of hundreds of thousands and killer credit score, but i think for 1 card and my very first at that 6500 isnt too bad lol
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  9. #9
    agp
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    Quote Originally Posted by ModdedMach View Post
    Would you call 6500 a low first card starting CL? Everyone i talk to says thats pretty substantial for a first card.

    I know its nothing impressive by any means, when i grew up my dad had a combined CL of hundreds of thousands and killer credit score, but i think for 1 card and my very first at that 6500 isnt too bad lol
    6500 is not low for a first card. Notice how I said "often low" and not "always low," there are exceptions to everything. My mom's first Discover had a CL $500 I believe. Maybe it was $1000. And most of my friends' Discovers are also in the low thousands.

    Main Card: Amex Platinum
    For gas: Penfed Platinum Cash Rewards
    For travel & dining: Chase Sapphire Preferred
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  10. #10
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    My experience with Discover isn't pleasant. This month was my 3rd month applying and every time I get a denial. They don't want my business and so I don't want theirs!
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