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  1. #1
    Registered User New Member
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    Why is it so hard to get approved for a Discover card??

    I have applied for a discover card three times, and been rejected three times. Needless to say I am a bit angry because I cannot figure out what I did wrong or why I am being rejected. I have a Capital One card and a Chase card and have never been late or missed a payment. Do you have to be a student to apply for the student cards?

  2. #2
    Administrator Kevin F's Avatar
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    Most of Discover's cards (with the exception of the student versions) require good to excellent credit, however I've heard of people with borderline scores getting approved in the past.

    For the best chance of approval make sure you use the official Discover it card application found here.

    The Discover it card rewards program is steller and in my opinion worth definitely worth the risk if your scores are borderline (hard credit pulls really aren't harmful in the long run).

    Chase and Capital One on the other hand have products that on require average credit, which is why you were probably able to get approved with them. That is assuming this is a credit score issue which is most likely the reason, although not the only reason you could be denied.

    The first thing I would do is check your credit score. If everything checks out I would call Discover and speak with someone directly - there are a lot of things that can flag an automatic denial, and it is possible to be manually approved which is why it's important to actually call.

    As for the student version of the card, yes you do need to be a student to qualify. "To be eligible for the Discover Student Credit Card you must be a college student."

    If you've already been denied - watch this video.

    Last edited by CreditDave; 07-12-2013 at 02:39 PM.

  3. #3
    Registered User New Member
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    Quote Originally Posted by Kevin F View Post
    Most of Discover's cards (with the exception of the student versions) require excellent credit. I would only apply with a credit score of 720+. Chase and Capital One on the other hand have products that on require average credit, which is why you were probably able to get approved with them. That is assuming this is a credit score issue which is most likely the reason, although not the only reason you could be denied.

    The first thing I would do is check your credit score. If everything checks out I would call Discover and speak with someone directly - there are a lot of things that can flag an automatic denial, and it is possible to be manually approved which is why it's important to actually call.

    As for the student version of the card, yes you do need to be a student to qualify. "To be eligible for the Discover Student Credit Card you must be a college student."
    I just Applied for the Discover it card recently and got accepted with no Credit history ( it was those applications that said i was pre-approved for what its worth) but got Declined by capitol one ( through Bestbuy ) and Chase ( for the Freedom and Amazon rewards card)

  4. #4
    Moderator CreditDave's Avatar
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    Quote Originally Posted by Closingracer View Post
    I just Applied for the Discover it card recently and got accepted with no Credit history
    That's great to hear - congrats!

  5. #5
    Registered User Junior Member
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    I want to apply for Discover it but am kinda hesitant bc my credit scores are borderline. I received the invitation to apply in the mail though, do you think I should go for it?

  6. #6
    Registered User Junior Member
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    I would have to disagree. It's really not THAT hard to get approved for Discover, they even have a student version of the it card and students usually have NO credit history. It's only hard to get approved if you've made late payments for accounts in the past or have accounts that have gone into collections and have damaged your credit score.

  7. #7
    Moderator CreditDave's Avatar
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    Quote Originally Posted by Flyer1107 View Post
    I would have to disagree. It's really not THAT hard to get approved for Discover, they even have a student version of the it card and students usually have NO credit history.
    Technically Discover doesn't have any sub-prime cards, although they may offer you a "near prime" version of Discover it if you have fair credit. The difficulty of getting approved really depends on your situation. If you have a low credit score because of delinquent accounts and collections it's going to be tough, if not impossible to get approved until you clean everything up. If you have a low credit score simply because of a lack of available credit or no credit history you've got a shot at approval.

  8. #8
    Moderator CreditDave's Avatar
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    Also worth noting that if you are planning on doing a balance transfer, you want to hold off until AFTER you get approved for the card. You then have two months to initiate the balance transfer.

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