So I checked a while back and my credit score was 460 I want to say. (Nothing has changed since) I want to get my credit up obviously. I seen that the best options are a secured card, everyone recommends discover or capitol one. I went online to a discover web page that takes a quick glance at my financials without running credit. It stated I could not be approved for the discover unsecured card.

My financial info: Credit score: around 460 Monthly rent: $380 Annual income $24,000-$35,000 1/3 income is under table 1/3 income is in crypto assets(mining) 1/3 income is taxed income from p-t job. (The $24,000 is what I told discover I have cause I don’t think anyone recognizes crypto income yet, my bank told me that when I tried to apply for unsecured card there.) Where should I start, in trying to increasing my credit score?

I have not had a credit card before but got added on my dads new United miles Explorer Card (6000 dollar limit). My transunion is 705 since being on my dads card a month ago. $0 debt and not a lot of income 10k per year but quite a bit in savings ($4000+). I want a 200 dollar limit to get started. Is the chances for approval good?

New to credit approval odds? 0 debt. 10k income 4k savings. 705 transunion. I want a 200 dollar limit. Willing to pay 250 in security for it

I was looking to add another credit card to my profile:

•Credit score: over 800+ across all 3 bureaus •Oldest account: 13 years •Average age of accounts: 4 years 11 months •Credit mix: 1 paid closed personal loan, 7 paid closed student loans, 1 closed paid car loan, 9 revolving accounts- •AMEX blue cash everyday: $35,000 CL •Cap 1 quicksilver: $9,000 CL •Cap 1 platinum: $1,300 CL •SYNCB/PayPal Credit: $10,000 CL •Apple Card: $9,000 CL •TD Bank cashback rewards CC: $5,000 CL •SYNCB/Care Credit Rewards CC: $20,000 CL •Cap 1/Kohl’s: $3,000 CL •Cap 1 Spark Cash for Biz: $2,200 CL •Total CL: $94,500 •Credit utilization: 2% ($1,800 out of $94,500) •Pay off my balances in full every month except for PayPal, Care Credit and Apple (0% APR) • Never late, no derogatory marks

I went to the discover pre approval website because I wanted to see what I would be approved for without impact on my credit from a creditor different than those above. Entered my information and discover offered me the discover it SECURED card!!! Can you believe it? I don’t know what happened. I don’t need to build credit as I already have well established credit history. Does Discover have a history of low balling? Can anyone shed a light as to what could have happened?

• Current cards: (list cards, limits, opening date)

  • Capital One Journey Student Visa, $300, June 2020

• FICO Score: 658

• Oldest account age: 3 years as of August 1 (my student loans, which have 100% payments on time since I am still in school)

• Chase 5/24 status: 3/24 (1 credit card, 2 loans in the last 2 years -- do these loans count?)

• Income: $15k from jobs, but if I include scholarships that wash through my account, $25k

• Average monthly spend and categories:

  • dining $100 (lots of Dunkin, Uber Eats, random restaurants at least before COVID)

  • groceries: $50 (I have a meal plan at school, so I don't buy much except for snacks)

  • gas: $50

  • travel: $0

  • other: $50

• Open to Business Cards: No

• What's the purpose of your next card? Building credit and better cash back than 1.25% (Journey)

• Do you have any cards you've been looking at? Discover It student cash back, Discover It secured, chase freedom, amex Gold.

• Are you OK with category spending or do you want a general spending card? Either works

So, I have been trying to get into the credit card game and looking at this thread for the last few months, learning. I mainly want to build credit because I am a rising senior in college, and looking to move out/get an apartment after graduation in May 2021. In June, I applied on a whim to the Capital One student journey visa, and was approved automatically. I was surprised because CapOne has been getting stricter due to the pandemic, but on the spot I was approved for the unsecured student card with 1.25% cash back with on time payments.

I have been making payments, keeping utilization low (I literally pay as soon as transactions post), but realizing that my limit is tiny and Discover has way better rewards. (Note: I am treating these credit cards like debit cards -- I am not making purchases I can't afford, I just want another line of credit to increase my credit score). I know that getting another card will increase my revolving credit and thus help increase my score. However, a denial will hurt.

So, I checked for preapprovals on discover and the only thing that came up was the secured card. Ideally, I want another unsecured card, but I don't want to risk the denial. I also at some point want to apply for Chase Freedom and Amex Gold, from comments on this reddit thread, but I don't know the right timeline to do everything.

Should I go for the Discover It cash back unsecured now? (Please note: my CapOne hasn't shown up on FICO yet, so that hard pull ideally hasn't shown yet). I worry to wait because in August, another student loan account posts for my senior year. Or should I apply for a secured card and hope it upgrades? Should I wait until December for Discover?

At what point do I go for bigger ones like Chase/amex?

Thanks in advance for any help you can offer!

Hi all! I got approved for the secured card and made my $300 deposit to it. I am looking for the best way to handle for positive reporting to credit bureaus. How often should I use it and when I pay it off monthly, when should I pay it off? Also, I’ve seen many posts about using your CC’s every month and then paying them off. Other than Discover, I do have 2 low limit store cards that I really don’t use. Should I be using those too for credit? Current utilization is about 4%. I appreciate all the advice as I’ve come a long way already but really looking to increase my score now that I’m much better off financially.

Okay so I applied through the pre approval system..I got a 730 credit score no negative accounts also on time payments and over 2 yrs of credit history but only got pre approved for a secured card…HOW?

I'm trying to build my credit was approved deposit $200 for now will be waiting for the card to come in the mail. What is the best way to use it? I've heard only use 30% but I'm not sure.I'm thinking about putting my phone bill on it it's $55 a month and then maybe gas.

Basically title. I bank with TD bank and they offered me their TD Cash secured credit card, which is very mediocre. I have already been approved for the discover unsecured student cash back card, and this will be my first card as a college freshman. What should I do?

Hey all, I am wanting to start building credit but don't know what to do to get started. I've never had any credit cards or credit accounts, and I pay my phone bill through my parents. I am 20 years old and just started college. I pay my rent monthly and pay a little extra fee for them to report my payments to the credit bureau but that's about all. I tried to apply for the discover it student card a month ago but got denied. In the thing they mailed me it said I got denied for the following reasons: no savings account, number of credit bureau inquiries, and insufficient open bank revolving trades with balance.

I don't really know what to do now because I was under the impression that the discover student card was supposed to be the easiest to get. I am pre-approved for the Capitol One Platinum Secured but I'm not super confident that I'd actually get approved after getting denied for the discover one. I've heard that Chime offers a card without doing a credit check, but I want to know if there are any potential better options out there.

Hi, I recently used the pre-approval tool on Discover’s website, and to my surprise, I was finally pre-approved for their secured credit card. That is exciting, since I had previously been denied even their secured option.

I currently have two secured cards: one with Navy Federal ($1,000 limit) and one with Capital One ($200 limit).

Should I accept the Discover secured card and have three secured cards to help build credit, or would it be better to stick with the two I already have?

How do I not get approved for a card that I PAY TO USE? I literally deposite the money , it's not like they lend it to me? I work full time. Idk where to start to build credit now. I can't get approved for anything. Are my only options self ,kickoff etc?

Genuinely curious if this is because there's something particularly good about Discover that I'm just missing or if it's more a product of marketing or a relic of the past, despite better options being available now.

From my perspective, this is the order of recommendations I'd give for cards for those with no credit history:

1. Chase Freedom Rise - unsecured, decent rewards, (presumed) ability to PC to a better card later. Mainly though, it's unsecured and starts a relationship with Chase.

2. US Bank Altitude Go Secured - Really useful rewards categories & rates, no foreign transaction fee, and a $15 streaming credit.

3. Capital One Quicksilver Secured - I personally think that an unlimited 1.5% flat cash back rate with no foreign transaction fee beats Discover's offering. And, it graduates into a more useful card than Discover (imo) and can be PC'd to something better too.

4. Discover Secured - In the first year, it doubles cash back, which is nice. But after that, it's a pretty underwhelming card (Chrome) that can't be PC'd. Technically no FTF...if you can find a places that accept Discover abroad.

I can see the argument that Discover beats Quicksilver, so I'm willing to concede that. But I just can't see how either one beats the US Bank Altitude Go. In fact, I'm not even 100% sure I'd take a Freedom Rise over a secured USB Altitude Go...

Credit is currently 541 due to a lot of late payments and cards being cancelled. I’m now at a point where I’ve settled or paid off most the debt and want to rebuild my credit. They offered me a secured card between $200-2500. The 2500 is very appealing as far as it would make my score jump. It’s my understanding after about seven months of on time payments they mail your deposit back to you and up your credit limit. Anyone have experience with this card? What’d you put as your deposit, and would you recommend starting with a $2500? My mom thinks it’s risky giving them my money like that but as far as I can tell it seems legit. But the card does have mixed reviews on credit karma

After some time lurking, I finally decided to take the leap of faith!! I applied for the Discover Secured Credit Card and put down $200. I’m only 19 years old and the first in my family to apply and be approved for a credit card. Any tips or advice for navigating this journey would be greatly appreciate!! Thank y’all for helping me gather the knowledge and confidence to take this step in my adult life😋😋

Someone from Discover headquarters might have a bias towards me .

My credit is not the best but It’s not bad either . Currently at 640 Experian and 663 FICO because I closed one account and it dropped 63 points. however I built it up low 700’s within 3 months ago , Got an auto loan , approved for capital one secure card , got approved for a new credit card last week with $1500 CL even with my 640 credit score, Yet discover has never approved me for a secure card even when my credit score was at 701 . Yeah I give it up , they are not America express

I’m an 19 year old guy that wants to start credit. i have some student loans out that from one semester of college. i would only use the card for things like gas and groceries and just instantly pay the balance off as if it were a debit card. If i do it i would only deposit $200-$400 as my credit line as it would only be for purchases under $150 max. what do y’all think?

Credit score: 674 according to CK i don’t want to actually check it just yet.

How long should i use the secured card? and How often should i make purchases if that matters?

My $200 dollar secured credit finally got approved to a $1800 credit line. I'm so happy.

Well I’m 22 and just now learning about credit and after doing lots of research I heard the Discover it Secured Credit Card is a great way for beginners to build credit so I applied 2 weeks ago and got approved for a $200 credit line which ofc was my security deposit and got it in the mail today. Also heard and seen all the cool designs they have for these cards so I decided to call customer service and order the New York Skyline design as seen in the second photo 😉 How’s you guys liking your experience with your discover credit card also did you start off with their secured one or another and what’s your favorite design of theirs? Was gonna do the Capital One Secured one but after research and what I’ve been hearing think goodness I don’t go that route 😂💯