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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
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Green Member
- Join Date
- Nov 2012
- Location
- US
- Posts
- 1
Can I apply for a Discover card having no credit history?
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Gold Member
- Join Date
- Sep 2012
- Location
- USA
- Posts
- 36
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.
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Centurion Member
- Join Date
- Oct 2010
- Location
- CA, USA
- Posts
- 197
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) | BofA Travel Rewards (07/2011) | Chase Freedom (11/2011)
GECRB/PayPal (05/2012) | Discover it (07/2012) | US Bank Cash Reward (08/2012) | AMEX BCE (09/2012)
Target (10/2012) | Chase Ink Classic (11/2012) | BofA Balance Rewards (04/2013)
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Centurion Member
- Join Date
- Jul 2011
- Location
- New York
- Posts
- 1,123
Crapital One
Credit cards from banks, deposits in credit unions.
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Green Member
- Join Date
- Sep 2012
- Location
- Cincinnati
- Posts
- 4
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.
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Green Member
- Join Date
- Nov 2012
- Location
- WA
- Posts
- 3
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.
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Centurion Member
- Join Date
- May 2012
- Location
- WI
- Posts
- 1,336
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.FICOS
TU: 753 January 2013
EQ: 765 May 2013 Discover pull
EX: 782 April 2013 FNBO pull
Cards:
Associated Bank Platinum Visa 13.5k (12/11)
Associated Bank Signature Visa 8k (05/12)
FIA Retirement Amex 10k (12/12)
BofA Travel Rewards Signature Visa 5k (12/12)
FNBO Amex 13.6k (4/13)
Chase Sapphire Preferred 5k (5/13)
Amex Gold NPSL (5/13)
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Centurion Member
- Join Date
- Jul 2011
- Location
- New York
- Posts
- 1,123
You may want to get the BofA secured card, at least you'll have something worth holding on to after it becomes unsecured.
Credit cards from banks, deposits in credit unions.
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Centurion Member
- Join Date
- Apr 2012
- Location
- United States
- Posts
- 574
I feel like Discover is most college students' first credit card, so I don't see why not.
Have Discover, Amex PRG & BCE referrals, PM me before applying for some referral bonuses!
Main Card: Chase Freedom
For gas: Penfed Platinum Cash Rewards
For travel & dining: Chase Sapphire Preferred
For grocery & big purchases: Amex Blue Cash Everyday
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Centurion Member
- Join Date
- Jun 2011
- Location
- New York state
- Posts
- 1,391
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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