You’re not getting it due to your very low score. You need to clean up some of the negatives on your credit report before you’ll qualify. Those negatives is what we need to know to help. Your income isn’t that relevant here. A credit score measures the risk of lending money to you based on your history of repaying past loans. Pull up your report at annualcreditreport.com for free. If you have unresolved collections, try to negotiate pay to delete.

The Discover it approval odds aren’t the same for every applicant. We recommend a 700+ credit score (which means at least good credit) to be eligible for most Discover it credit cards. There are, though, some Discover it credit cards that you may be eligible for if you have a lower credit score. Generally, besides a certain minimum credit score, issuers require applicants to have enough income or assets to pay the bill, in light of the existing debt obligations. But each credit card company analyzes the data a bit differently. Here are the credit scores we recommend for the Discover cards: Discover it Secured Credit Card: Bad credit (below 640)  Discover it Student Cash Back: Limited History Discover it Student Chrome: Limited History Discover it Cash Back: Good (700+) credit Discover it Miles: Good (700+) credit Discover it Chrome: Good (700+) credit NHL Discover it: Good (700+) credit (the NHL Discover it is not currently available on WalletHub and may be out of date) In general, the lower a credit card’s minimum credit score is, the higher your approval odds will be. If you don’t know your credit score, you can check it for free on WalletHub. WalletHub is the only website where credit scores and reports update daily. Finally, keep in mind that the above credit scores are guidelines and they do not guarantee approval. Credit card issuers evaluate a variety of factors beyond your credit score when reviewing your application.

Your Discover it Secured Credit Card approval odds are good, even with bad credit. The Discover it Secured Credit Card was designed for building or rebuilding credit, which means you can get it despite being a newcomer or having a bad score. But nothing is guaranteed. You can estimate your approval odds by checking both your latest credit report and your personalized credit analysis, which you can get by signing up for a free WalletHub account. In general, secured cards have the highest approval rates of any credit cards because there’s little to no risk to the issuer. They can just keep your security deposit if you don’t pay your balance, after all. If you do get denied, Discover will tell you exactly why in their response. But you don’t necessarily have to give up there. You’re allowed to call Discover and ask them to reconsider your application. And if you’re still denied after reconsideration, you’re not completely out of options. Becoming an authorized user on a friend’s or family member’s credit card account can help improve your credit, at least to the point where you can qualify for your own card. You may also want to check out our "guaranteed approval" credit cards page to see if there are any offers available that don’t require a credit check.