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  1. #1
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    Default Can I apply for a Discover card having no credit history?

    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
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  2. #2
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    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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  3. #3
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    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.
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  4. Centurion Member DavidNY's Avatar
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    Crapital One
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  5. #5
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    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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  6. #6
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    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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  7. #7
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    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.
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  8. Centurion Member DavidNY's Avatar
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    You may want to get the BofA secured card, at least you'll have something worth holding on to after it becomes unsecured.
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  9. #9
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    I feel like Discover is most college students' first credit card, so I don't see why not.

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  10. #10
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    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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