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.
20 posts
Posts: 1
Joined: Sat Nov 17, 2012 10:53 pm
Location: US

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

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


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 ?


Gold Member
Gold Member
Posts: 43
Joined: Fri Sep 21, 2012 2:20 am
Location: USA

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.

Centurion Member
Centurion Member
Posts: 221
Joined: Sat Oct 23, 2010 1:51 pm
Location: CA, USA

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/ (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)

Centurion Member
Centurion Member
Posts: 1332
Joined: Tue Jul 05, 2011 12:28 pm
Location: New York

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

Crapital One

Green Member
Green Member
Posts: 4
Joined: Sun Sep 23, 2012 2:30 am
Location: Cincinnati

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.

Green Member
Green Member
Posts: 3
Joined: Sun Nov 11, 2012 1:20 pm
Location: WA

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.

Centurion Member
Centurion Member
Posts: 4590
Joined: Sun May 20, 2012 4:35 pm
Location: WI

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.

Centurion Member
Centurion Member
Posts: 1332
Joined: Tue Jul 05, 2011 12:28 pm
Location: New York

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.

Centurion Member
Centurion Member
Posts: 709
Joined: Fri Apr 20, 2012 10:24 pm
Location: US&A

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
Centurion Member
Centurion Member
Posts: 1361
Joined: Tue Jun 28, 2011 10:13 pm
Location: New York state

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.

Return to “Discover, Diners Club”

Who is online

Users browsing this forum: No registered users and 6 guests
†Advertiser Disclosure
The credit card offers that appear on this site are from credit card issuers from which receives compensation. This compensation may impact how and where products appear on this site, including the order in which they may appear within listing categories. does not include all credit card offers that might be available to consumers in the marketplace.