Credit Score: 685 Credit Limit: 8000 Age: 25-34

Posted 05/20 2018

Here are my scores when I applied. TU 680, EX 694. SL was $8500.

Discover It is a great card. Their customer service and app is really second to none. I lost my card once and it was literally replaced the next day. Had a fraudulent charge and it was taken care of. Like their ads say, all their customer reps were US based.

Their app is also really good. I have Citi and Chase cards as well and their apps cannot compare. You get your alerts on transactions immediately. Paying bills through your app is also very simple.

The only thing that bugs me a lot is the 5% rewards where you have to sign up every 3 months. It is really irritating that you have to sign up every time. They should just make that automatic.

 

Credit Score: 645 Credit Limit: 3000 Age: 25-34

Posted 04/11 2018

I was really surprised that I was approved for Discover with my score. I do have the Cap One QS and only got a $500 CL. So I was surprised that Discover gave me a $3000 SL.

The most impressive thing about this card (or rather Discover) is the app. It is really real-time. Everything gets updated real time. You can pay your bills any time and there is hardly any payment holds. You could also check your FICO score through the app.

I am not really impressed with the 5% cash back because I do not use the 5% all the time. But that is just me. On hindsight, I should have just gotten the Chrome instead.

 

Credit Score: 722 Credit Limit: 8500 Age: 25-34

Income On Application: $90000

Posted 01/28 2018

My credit score is considered ok (722 with TU) and I was given a SL of $8500. I was contemplating of getting the Chrome but chose to get the IT instead because of the 5% rewards. I do use the gas and shopping and amazon stuff in Q4. But the stuff in Q2 for spring does not really apply to me.

The app is simply great. Like many others here have commented, it is literally real time. I also like that I can monitor my FICO score. It updates about once a month and it is really useful to be on top of it.

I only had to use customer service once when I lost my card. They replaced it the next evening. So far so good.

 

Credit Score: 793 Credit Limit: 7500 Age: 45-54

Posted 09/05 2017

My TU score was 783 and EX was 798. I got approved instantly and got a $7,500 SL. I also got 0% apr for 14 months. I am happy with the card so far though I am quite surprised that I only got $7500 after reading here that folks got higher credit limits with lower scores!

 

Credit Score: 590 Credit Limit: 2500 Age: 25-34

Approved 3 years after Bankruptcy

Income On Application: $85000

Posted 03/20 2017

I was really surprised to get this card. I have been rebuilding my credit since my BK 3 years ago (due to medical bills). I have been using 2 secured cards and this was my first unsecured credit card. From what I have read, with my scores, I expected to be declined and offered their secured card. Instead, I was approved with a $2500 SL and my score was EX 590. I will be using this card as my main card from now on and hopefully I will get a credit line increase after a while.

 

Credit Score: 785 Credit Limit: 15000 Age: 35-44

Posted 06/24 2016

I decided to apply for the Discover it because I just wanted to diversify my credit cards. I have the Amex BCE and the Chase Freedom. Since the Chase Freedom also has 5% categories, I was familiar with it. My score was in the high 700s and I got a starting credit line of $15,000.

The 5% rotating categories works the same way as the Chase Freedom. You get an email every quarter and you have to "activate" it to earn the 5% rewards (when you spend on those categories). To be honest, I find that to be really irritating. The one area where I think Discover is better is the online shopping portal. With Discover, you earn 5% with every partner whereas with Chase, it varies. I also think the customer service is more responsive (lower wait times). The double you cash back after the first year was also very nice.

 

Credit Score: 736 Credit Limit: 10000 Age: 25-34

Posted 05/06 2016

I decided to try out this card because of the 5% category bonus. I find it ok though I hate having to activate every 3 months. One thing I did notice is that the cash back I earn takes a month to post. Capital One posts almost immediately.

The thing that impresses me most about Discover is that the customer service is great as advertised - all US based. I lost my card once, called them and it was delivered the next day. The app is also great and you get alerts for every transaction that you make.

 

Credit Score: 684 Credit Limit: 4000 Age: 25-34

Posted 04/14 2016

Got approved for Discover a year ago for a $4k credit limit. I got it for 14 months balance transfer which I used and also got the 2X cash back bonus after one year. I do use the 5% categories and scored a big one with home improvement expenses during Q2 this year. I also have the BCE for gas and groceries and the Capital One QS for "other purchases" 1.5% cash back.

The app is great and I get notified for all my transactions. They do show your FICO score. You can pay your bills through the app but I have already set up autopay.

 

Credit Score: 786 Credit Limit: 10000 Age: 25-34

Posted 01/19 2016

I love my Discover card but for one thing. Why do they make you activate the 5% categories every three months. I get an email once a quarter asking me to "activate" through a click on the email. I find this really irritating. Can't Discover just "auto-enroll" every quarter. It just seems like an unnecessary step. I suppose that the email reminds us of the "new categories" - but they could just simple email us the new categories without requiring that we "activate it".