Credit Score: 655 Credit Limit: 5000 Age: 35-44

Posted 02/19 2017

I have been using the card for about a year and a half. The card is good and the rewards are great. The only thing that peeved me off is that when I applied, I wanted to do a balance transfer. When I was approved, I was not told how long the introductory period was. On the web site it said 14 months at 0%. But when I got it, I was offered only 6 months at 0%. Customer rep told me it was due to my credit. Aside from this disappointment, the card is great. But still, I will give this a 3-star because of this.

 

Credit Score: 500 Credit Limit: 1500 Age: 25-34

Posted 10/07 2016

I came here to the US on a H1B. I had no credit but ahead to apply for the Discover it after I got my SSN. I got approved for $1500. I did research online about building credit history in the US. So I just charged $300 a month (20% utilization ratio) on the card and pay off in full every month. I set up autopay with my Bank of America account so everything is automatic. In 6 months, my score has increased to 730. To be honest, I did not know what my score was when I applied since I had no history. So I just put 500 here (but I do not think it is accurate).