How I Got My Discover Card Approved in 60 Seconds!


Today, we’re presenting a guest post from Manshu from One Mint, a personal finance blog that covers a wide range of topics like gold ETFs, bank interest rates, gift cards, and other stuff that affects your money. If you liked this post, please consider subscribing to his feed.

I recently applied for a Discover credit card, and was intrigued by their promise of giving a response within 60 seconds. Their tagline says – “Apply in minutes. Get a response within 60 seconds.”, and I was not disappointed. I think I really did get a response within 60 seconds (it felt quick, but I didn’t time it).

The process is really seamless and simple, but I think they can provide a little more information to make it clearer. The application process confused me at least a couple of times: once it was because of what they said, and the second time because of what I expected.

Let me explain. I applied online and the first thing you do when you apply online is provide standard personal information, your address, SSN, contact details etc. — and then click “Submit Application”.

At this point you receive an email from Discover card telling you that your application has been received, and at the same time, — the webpage where you made the application is still loading, telling you to wait for a decision.

Most people would be happy to wait for an answer, but, being an email addict, I quickly scanned through the email from Discover, and was a bit surprised to see that it said: “Please allow up to 30 days for your application to be processed.”

Actually I was half expecting that this email contained my approval or rejection, so I was a bit disappointed to see it mention 30 days there. And I still can’t figure out why it had a link for me to become Discover’s fan on Facebook?

Anyhow, by the time I scanned through the email, my application was processed by Discover, and I saw a page that told me that I had been approved, and I expected another email with credit limits, when the card would reach etc.

This time I got no email, and to me this was a bit confusing too. I think they should send an email after approval to tell you that you have been approved, and what you should expect next. I had half a mind to call the toll free number and ask them what happens next, but I decided I will wait a few days. I think they can cut down on this confusion and a few phone calls to their call centers — by sending an approval email along with steps on what to expect next.

Don’t get me wrong, I think the 60 seconds idea is great, and overall the process is quite smooth too, but communication is important, and in this case, the email they send is more or less useless, and the email they should send never get sent!

I did receive another email a couple of days later, which told me the card was on its way, but I came to know about my credit limit only when the credit card actually came in the mail.

I think they can make a good process, — a great process by communicating more, and letting people know what to expect, when to expect, and how to go about registering to their website etc.

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8 Responses to “How I Got My Discover Card Approved in 60 Seconds!”

  1. Ernest S. Says:

    I thought I would share my experience with the Discover approval process: When I recently applied for my Discover Card, I was told that my application would need to be reviewed before it was approved (and that it would take 5-10 business days). Concerned with the message, I decided to give them a call. The rep who took my call was very courteous, and asked me some follow-up questions regarding my application. Within a minute, he was able to approve/process my applications, tell me my credit limit, and inform me that the card would arrive within a week. Sure enough, the card arrived several days later.

    I appreciate the great service. Even though it wasn’t as seamless as “60 seconds”, I did appreciate the fact that customer service was able to expedite the approval process.

  2. Manshu Says:

    Thanks for sharing Ernest, looks like Discover has got decent service.

  3. Karen Hill Says:

    false avertisment said people will now with in 60 seconds to 1 day its been almost a fucking week in i dont even know if im approved are not so what is it

  4. Mr Credit Card Says:

    It’s not false. If you pass the credit check the first time, you will be approved immediately. However, if you do not, then it might take 10 days for issuer to get back to you. Best to call customer service to find out what is going on with your application.

  5. nis Says:

    Call the discover customer service and you will know your limit automatically. You donot have to wait to speak to a CSR which was an amazing experience.. SO fast you will get shocked

  6. Mark Says:

    Can anyone tell me how long it takes to receive the actual card

  7. Mr Credit Card Says:

    Card normally takes 5 to 7 business days to get to your mail after you are approved.

  8. dani Says:

    So i got an email on nov 28 nd its now the 30th saying my card is on its way how do i know when it’s coming?

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