Credit Score: 687 Credit Limit: 8 Age: 45-54

Approved 3 YEARS after Bankruptcy

Income On Application: $52

Posted 11/10 2020

Decided to apply for a Discover card so I can build my credit,to my surprise the approved me for 8,500 with 5% cash back.

 

Credit Score: 687 Credit Limit: 8500 Age: 45-54

Approved 3 YEARS after Bankruptcy

Income On Application: $52

Posted 11/10 2020

Decided to apply for a Discover card so I can build my credit,to my surprise they approved me for 8,500 with 5% cash back.

 

Credit Score: 748 Credit Limit: 3500 Age: 35-44

Income On Application: $30

Posted 06/30 2020

My FICO credit scores range from 732-748, Credit Karma says 680. I had no credit cards since closing a secured card that only had a $250 limit around 16+ years ago. I was denied for a Wells Fargo secured card around 4 or so years ago and have not applied for any other cards since.... until today.

I like the preapproval application. I was initially going to apply for a secured IT card, but I was preapproved for the Cash Back unsecured card with a $3,500 limit. I also like that I can use my cashback for paying the bill.

I have not received my card yet, but my husband also has a Discover Card and I have been very happy with the website and service from Discover. They even show you your Transunion FICO score.

 

Credit Score: 745 Credit Limit: 10000 Age: 25-34

Posted 02/09 2018

Got this card because of the 5% cash back and the low interest rate (I got 12.99%). My score was 745 EX and I was approved for $10k. After a year, my credit limit was increased by $5k to $15k. Thank you Discover.

 

Credit Score: 658 Credit Limit: 5000 Age: 25-34

Income On Application: $70000

Posted 11/26 2017

I absolutely love this card. I do not have the best credit, but Discover still approved me. You really can earn a LOT of cash back. The 5% categories are great. You do have to activate every three months (remember that and if you don't you will get email reminders anyway). But aside from that, Discover has deals with online partners (log into Discover, click on the online merchants site, use your Discover to pay). If you make use of all of these, it all adds up.

Here's a tip. max out your cash back during the first year. What do I mean? Like make sure you meet the spending and earn whatever sign up bonus they give. Refer a friend and get cash back bonus. the reason is that Discover will double ALL cash back you have earned during your first year.

Like others have said here. Their app is really good.

 

Credit Score: 740 Credit Limit: 12800 Age: 25-34

Posted 10/13 2017

I have had this card for over a year. When I applied, my CK score was about 686. But after I got approved for the card, I found out that they pulled EQ and I had a 740 score (what a difference with creditkarma). I was approved for $12800 (which is a very odd number) and given 0% for 14 months (both BT and purchase). I actually used the card to buy a imac 5k. So I managed to get the 5% cash back as apple.com is one of their shopping partners and and I also took advantage of the 14 month 0% apr.

I paid off the iMac after 14 months and have been using the card regularly. I find the 5% cash back very useful though you have to be on top of it. Their app is also good and I like that I can check my FICO score for free.

 

Credit Score: 694 Credit Limit: 7500 Age: 25-34

Posted 08/27 2017

Have had this card for 8 months and I love it. The 5% category is good sometimes and not so good other times. 5% on gas is my favorite but also during Q4 when you can earn 5% at amazon. I have also earned 5% cash back from their merchant partners.

Their app is the best among all issuers (at least the ones that I have). They post very quickly. For example, at restaurants, I will get notification before I leave the restaurant. When I am at wholefoods for example, I will also get alert the moment the swiper ask me to remove the card! I also love that I can check my fico score.

 

Credit Score: 738 Credit Limit: 15000 Age: 35-44

Income On Application: $140000

Posted 06/11 2017

I have cash back cards from Amex (BCE) and Citi DoubleCash and decided to give Discover a shot because of the 5% category. I now use a combination of these 3 cards so I can maximize my cash back earnings. At supermarkets, I use the BCE. I use the 5% category cash back when I can with Discover and Citi DoubleCash is for the rest. Among the three cards, I would say that Discover definitely has the best app. I can check my FICO scores with all three and this is the right combo of cash back cards for myself.

 

Credit Score: 810 Credit Limit: 20000 Age: 25-34

Posted 05/16 2017

I got the Discover It while my hubby got the chrome. We are also authorized users on each other's card. We basically use one or the other whichever gives us a higher cash back. My suggestion would be to get both (since they both have no annual fee) and you can earn more cash back by combining the two cards.

 

Credit Score: 674 Credit Limit: 6000 Age: 35-44

Income On Application: $65000

Posted 03/03 2017

I have Amex, BOA and Chase and finally decided to get a Discover as I have been swayed by their ads about their customer service. I applied online and got the 7-10 day message. Was told to call them after a couple of days and after answering a few questions about my mortgage and income, I was approved for $6000. My card arrived about a week later and the first thing I did was to download the app. After my first statement arrived, I signed up for autopay (since you could only do that after the first statement arrives).

The app is really cool and among all my other apps, it alerts you the fastest (as in almost immediately after a transaction clears). So I found the 5% category useful but not all the time. However, I like that I can also earn 5% cash back shopping with their partners.

 

Credit Score: 664 Credit Limit: 3500 Age: 35-44

Posted 01/31 2017

My credit was not exactly the best when I got this card. TU score was about 660 but I got approved with $3500 SL. I really love this card a lot. The 5% rewards absolutely work for me (it may not for you but it does for me). I was also really thrilled when I got double my cash back after the first year. I used some of the cash back and exchanged them for gift cards.

After 8 months, Discovered increased my limit by $1000. After 14 months, they increased it by another $1000. Now, my total limit is $5500. All I have been doing is paying in full every month. I charge about $800 give and take each month on the card.

Like many others have said here, their app is absolutely top notch.

 

Credit Score: 650 Credit Limit: 8000 Age: 35-44

Income On Application: $85000

Posted 01/17 2017

Two years ago, my credit score was in the 500s. I got two secured credit cards to rebuild my credit. I got the Opensky and Capital One. I started off with $200 credit limit each. Cap One gave me an increase after a while and after a year and a half, I was approved for the Cap One Quicksilver. Not long after, I was approved for the Capital One Platinum card. I got $800 and $750 limits for both these cards respectively.

But my credit score started to improved and after I got both the unsecured Cap One cards, my scores were about mid 600s. It was then that I decided to give Discover a shot. I went to their pre-approval page and filled in the details. They came back recommending the 5% category card. For some reason I just went ahead and lo and behold, instant approval for $8000 SL!!!

I couldn't be happier with the card. The customer service response is faster and friendlier than Cap One. App is also great. If you have scores around my area, I would say go for it.

 

Credit Score: 720 Credit Limit: 10000 Age: 35-44

Approved 8 years after Bankruptcy

Income On Application: $90000

Posted 12/19 2016

I filled out the pre-approval page on Discover's website and the suggestion was that I get the IT card. After a few questions, I was approved almost instantly (or 60 seconds as they suggested)! And my starting credit limit was $10000. This is now my card with the highest credit limit.

Here are my key details from my credit report:

BK - 8 years ago
Karma score 720.
Utilization - 23%
No derogs

 

Credit Score: 689 Credit Limit: 10000 Age: 25-34

Posted 11/16 2016

9 months ago, my score was about 595. I had a couple of late payments and my score just tanked. I worked very hard to fix my credit. I took on a couple of side jobs, drove uber at night and started to be on time on my bills again. I also disputed a couple of errors on my reports and had them removed. Fast forward to today, and I decided to get a Discover card after reading all the great reviews. I applied over the phone and after what seemed like eternity, I was finally approved and couldn't believe it when they told me that my starting credit limit was $10,000!

 

Credit Score: 640 Credit Limit: 1500 Age: 35-44

Posted 09/08 2016

Two years into my rebuilding, all I had was a couple of secured cards. When I decided to try my luck on an unsecured card, I did some research and decided to go with Discover it. I was approved for %1500. My score back then was about 650. Every six months or so, I would call them up for a credit line increase. For the first two, it was like $300 each time. It was only a soft pull so I continued to ask for increases. After 3 1/2 years, my limit is now $6000. In fact, it is now my main card.

The card is very similar to Chase Freedom with the 5% categories. But their customer services is absolutely top notch. I lost my card once and it was replaced literally the next day. Their app is also top notch.

 

Credit Score: 620 Credit Limit: 1500 Age: 25-34

Approved 7 Months after Bankruptcy

Income On Application: $65000

Posted 07/15 2016

A few months after I was discharged from BK 7, I received mails from Discover. I finally decided to give it a shot and applied. That was about 8 months after my BK. I was approved with a $1500 credit limit. After 14 months, my limit was increased to $3000.

I really love this card and I have never found a place that does not accept discover. I like the rewards and have used the 5% rewards quite a lot. However, not every one suits me and there have been times when I have not used that for say 2 months. The only irritating thing is that you have to "sign up" every quarter for the next 5% rewards. I also choose to redeem my rewards with pure cash back (check). I have also bought a couple of items from macys.com and nike.com for their shopdiscover portal and earned 5% cash back.

Another tip is to use their app. It is super user friendly and you can check your transactions, pay bills with it and even checked your fico score. I set up my bills for auto-pay after I got my first billing statement.

When I applied, my FICO score was about 620. It is now about 690 or so. However, just after my BK, my scores were in the high 400s. I managed to bump it up because I got the Cap One secured. That was the first card I got before this. Since then, I have opened a couple more cards. I now have Cap One QS - $4000 CL. BCE - SL - $3000, CL - $10000. I will keep and continue to use this card though because I really like everything about it, from rewards to customer service and their app too.

 

Credit Score: 622 Credit Limit: 2500 Age: 25-34

Posted 03/25 2016

I was absolutely over the moon when I got approved for the card. I was discharged rom BK one and a half years prior and never really expected to be approved. But I was and got the card a week later. My score was 622 (real FICO) and was given a $2,500 limit. The card came in a very nice package.

I have been very careful about this card and I make sure I pay in full and on time. The app makes it so easy. My credit limit is low and I do not earn that much cash back. But it is good to know that I can earn 5% on some items.

 

Credit Score: 678 Credit Limit: 3000 Age: 35-44

Posted 02/18 2016

EX: 659
TU: 689
EQ: 680

I got instantly approved 2 weeks ago. My scores aren't that great as the average was about 678. I got a $3,000 limit. My only other card is the Cap One QS with a $500 limit.

 

Credit Score: 756 Credit Limit: 8000 Age: 25-34

Posted 12/07 2015

I am so glad I got this card. I applied with a 756 score and got an $8000 credit line. I got the $50 bonus and also like it that I can use my rewards at amazon.com. The 5% rewards on the categories are also great. I especially look forward to the 5% on gas! I can also choose to get the rewards via check or exchange for gift cards. I also got my "double cash back" after one year. I have now gotten into the habit of checking my fico score every time I check the website or the app (which is great).

 

Credit Score: 803 Credit Limit: 15000 Age: 35-44

Posted 11/22 2015

I have always got a Visa and my Amex Green in my wallet. Finally decided to give Discover a shot. And I had have absolutely no regrets.

The key thing is their app. I use their app all the time. You can make your payments and pay early if you want. You can check your fico score as well. The rewards are good and I have used them for gift cards as well as getting my checks. Customer service is good but I mostly use the live chat (much easier and no wait time).

 

Credit Score: 755 Credit Limit: 10000 Age: 25-34

Posted 11/04 2015

It was a toss up between this card and the chrome. I opted for this card because I though that the 5% categories sutied me a little more. I got this card when my credit score was like 750ish and I got a $10,000 credit limit. The app is great and if you set it up correctly, you get an alert for every transaction. I set up autopay as soon as I could (you could only do it after the first statement). I also found out that you could shop (via their website) at online retailers and earn 5% cash back. I recently bought a pair of boots at Macy's and did earn 5% cash back (showed up a couple of weeks later).

 

Credit Score: 690 Credit Limit: 2500 Age: 35-44

Posted 10/29 2015

I am a rebuilder and I received mails from Discover. So I decided to check their "pre-approval" site and after I submitted my info, it said : "We found a personalized offer for you" and the same 15.49%, and a 0% APR offer for the first 14 months on purchases." Took the offer and got $2500 limit. Sweet.

 

Credit Score: 760 Credit Limit: 10000 Age: 25-34

Posted 07/06 2015

What a wonderful this card is. I absolutely love the cash back bonus and I try to make use of the 5% as much as I can. I have to say that after living with a Bank of America card for the last 4 years, the customer service for Discover is simply at another level. Another really useful feature they have is that you can earn 5% cash back when you shop online with their online partners. I shop at macys.com a lot and when you do it through discover, you save a lot of money.