Can I apply for a Discover card having no 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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ElenaGh
 
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Can I apply for a Discover card having no credit history?

Postby ElenaGh » Sat Nov 17, 2012 10:59 pm

Hi,

I came to US 5 months ago and I got my SSN No. 4 months ago. I never had any credit card, what is the best credit card that I can get? If I apply for Discover what is my chance to approve my application ?

Thanks


gold-rick
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Postby gold-rick » Mon Nov 19, 2012 4:46 pm

Not sure about Discover, but I'm sure Capital One will give you a basic card, they seem to give anyone a credit card. My Dog could probably get a Capital One card.

trumpet-205
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Postby trumpet-205 » Mon Nov 19, 2012 5:52 pm

Your best chance is Capital One. Beside Capital One I don't think there is any lender that will issue a card to people with no credit history.
In My Wallet:
Citi Forward (12/2010) | Citi TY Preferred (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)


DavidNY
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Postby DavidNY » Mon Nov 19, 2012 7:55 pm

Crapital One

x.ff
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Postby x.ff » Tue Nov 20, 2012 11:51 am

I was in the same situation a month ago. Applied for Capital One Journey and got instantly approved, and then after 20 days applied for Discover; they asked for a whole lot of documents to be uploaded, and called me the next day, and approved me.

NorthCol
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Postby NorthCol » Tue Nov 20, 2012 2:41 pm

You can. Discover was one of the ones that gave me a chance when I had no credit. They are good, high interest, but good. Took 2 years and a hard pull for an increase. This is unlike other banks (BOfA) which I will never do business with under any circumstances.

MemberSince99
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Postby MemberSince99 » Tue Nov 20, 2012 6:28 pm

With Discover? Roughly the odds that you'll win the lottery, without buying a ticket. They have lowered their standards quite a bit recently from what I've read, but it's unlikely they will approve with no credit history whatsoever.

As people have said, Capital One is probably your best bet to start off with. After 6 months to a year of good history with that, you can apply for and probably get Discover.


DavidNY
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Postby DavidNY » Tue Nov 20, 2012 8:06 pm

You may want to get the BofA secured card, at least you'll have something worth holding on to after it becomes unsecured.

agp
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Postby agp » Wed Nov 21, 2012 12:26 pm

I feel like Discover is most college students' first credit card, so I don't see why not.

Main Card: Amex Platinum
For gas: Penfed Platinum Cash Rewards
For travel & dining: Chase Sapphire Preferred

Money card
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Postby Money card » Wed Nov 21, 2012 9:16 pm

what about an orchard credit card. this should be good for somebody who has no credit history? or his /her local bank where they have a checking account if that bank issues credit cards that's another place to start.



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