Discover Card

DO NOT APPLY For the Discover It Secured Credit Card UNTIL You ...

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How to apply for the DISCOVER IT Secured Credit Card

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THIS is the BIGGEST LIE About the Discover it Secured Credit Card ...

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What are the benefits of pre-qualified credit card offers?

There are several benefits of checking for pre-qualified credit card offers with the free Discover pre-qualification form: * See your unique credit card offers. By using pre-qualification before applying, you can see available credit card offers that match your credit profile. * Instead of submitting a full credit card application that triggers a hard inquiry on your credit report, financial institutions usually will place a soft inquiry on your credit report when you request pre-qualified offers, but check with financial institution. Soft inquiries won’t impact your credit score, but hard inq

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Credit Card Pre-Approval | Discover

How do you find the right pre-qualified credit card offer?

Checking to see if you are pre-qualified for credit card offers with the Discover website is a great first step. If you have pre-qualified offers, pay close attention to fees, APR (including any promotional rates), rewards programs and balance transfer offers. While finding a card that can immediately provide you with an introductory rewards bonus or a promotional rate for a limited duration, be sure to understand the long-term impact of the card on your financial future. When you decide on your best credit card offer, your full application will include a hard inquiry that could affect your cr

discovercard.com

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Credit Card Pre-Approval | Discover

How does the pre-approval process work?

Process has three quick and easy steps: Step 1 – Fill out the form to check for card offers with no impact to your credit Step 2 – Select your customized pre-approved card offer Step 3 – Add any other required information and apply, when a hard inquiry will be placed on your credit report

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Credit Card Pre-Approval | Discover

Credit Karma

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Discover it® Secured Credit Card

However, all credit card information is presented without warranty. When you click on the "Continue" button, you can review the credit card terms and conditions on the provider's website. No credit score required to apply. No Annual Fee. Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200.

discover.com › card smarts › getting a credit card › what is a secured credit card?

What is a Secured Credit Card? | Discover

Since secured cards are designed for people who are building or rebuilding credit history, a smaller credit limit may make it harder to accrue substantial credit card debt. Use the Discover Credit Card pre-approval form to see if you’re pre-approved with no harm to your credit score.5

Published June 6, 2025

reddit.com › r/credit › just got approved for discover secured credit card!!!

r/CRedit on Reddit: Just got approved for discover secured credit card!!!

April 3, 2025 -

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.

The “30% rule” is based in misinformation. There is no need to micromanage utilization. When you have an important application coming up in the next 1-2 months you should follow the All Zero Except One method which is paying early so that your statements for all cards except one will report $0 balances. Then the last card gets a small balance of like $5. If you are not applying for new credit in the next month or two and you would like a credit limit increase eventually you should be putting all your expenses on your card until it is maxed out, then paying your statement balance by the due date. Rinse and repeat.

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Doesn’t matter unless you’re applying for another card in the next 30-90 days. Just don’t carry a balance, or in the case of the secured card just refill the secured balance at every statement. High spending is perfectly acceptable with prompt payment history, may even get you access to the unsecured upgrade sooner. 30% rule is a myth more or less.

Discover Card

credit card

discover.com

Discover is a credit card brand issued primarily in the United States. It was introduced by Sears in 1985 and is currently issued by Capital One. Discover was the first credit card … Wikipedia

Factsheet

Company type Subsidiary

Industry Financial services

Genre Credit card

Factsheet

Company type Subsidiary

Industry Financial services

Genre Credit card

discover.com › credit-cards

Apply for a Credit Card Online from Discover

When you consider credit card offers, it's important to know whether you want a card with no annual fee, a balance transfer offer, cash rewards or travel rewards, a 0% introductory APR, enhanced security programs, or other benefits. ... Once you know the card features that matter to you, you can review the benefits of each credit card online and pick one most likely to approve someone with your credit score. ... You might already be preapproved for a credit card that has everything you want — Discover makes it possible to find out before you submit a credit card application, and checking won't hurt your credit score.

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reddit.com › r/discover › should i get the discover secured cc?

r/discover on Reddit: Should I get the Discover secured cc?

February 5, 2025 -

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?

In my opinion, Discover is great for building credit. As long as you pay your statement balance on time once the statement cuts every month, they will usually unsecure your card after 6 or 7 months. I opened a secured card with them in June 2024 with a $500 limit, and they graduated my card a few months ago in February and gave me a CLI to $2100. I would so go for it, as it can only help you. Spend responsibility and pay your bill on time every month, and you'll be good to go. Best of luck.

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"To my surprise i was approved for a secured credit card" Anyone can be approved for one of those... it just means you have no credit or bad credit and it shows you want to be responsible, and it's a good thing

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myFICO

ficoforums.myfico.com › t5 › Rebuilding-Your-Credit › Discover-It-Secured-Card-Pre-approval › td-p › 6512531

Discover It Secured Card Pre-approval - myFICO® Forums - 6512531

April 1, 2022 - I'll say get it and close any monthly fee sub-prime if you have one of them. ... Pre approval is pretty good from Disco. Their secured card is one of the better on the market, people who have a 500 deposit and treat the account right get unsecured and boosted to a 2K unsecured limit all the time.

reddit.com › r/creditcards › discover offered me the secured card!

r/CreditCards on Reddit: Discover offered me the SECURED card!

April 19, 2023 -

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?

If you weren’t so flabbergasted at the offer, it would actually be quite funny 😄 😂 I mean who knows how the Discovery algorithm worked to come up with such a ridiculous offer for you?

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Maybe they think you don’t need more credit.

discover.com › card smarts › getting a credit card › what credit card do i qualify for?

What Credit Card Do I Qualify For? | Discover

April 15, 2025 - You may receive a pre-approval offer in the mail. You can also use an online tool to find out what credit cards you may be qualified for before you apply. It’s important to know that pre-approval doesn’t guarantee final credit card approval.

discover.com › card smarts › getting a credit card › what can i do if i’m denied for a secured credit card?

What Can I Do if I’m Denied a Secured Credit Card? | Discover

May 10, 2023 - While secured credit cards are a great option for those who have bad or nonexistent credit, you’re not guaranteed approval. Even the required cash deposit as collateral doesn’t always help. The lender might have concerns about: ... You have the right to know if information in your credit report prevented ...

reddit.com › r/credit › pre approved for discover it

r/CRedit on Reddit: Pre approved for Discover It

August 14, 2020 -

I just got the Capital One Qucksilver. It hasn’t even arrived in the mail yet. I decided to see if I was pre approved for anything over at Discover, since I see you guys recommend it so often to newbies. They offered me the secured Discover It card. Should I get it and start building credit history for two cards, or will it look too bad to have two hard pulls so close together? Especially for a secured card...

Discover is REALLY good about both graduating the secured It fairly soon (after the 7th statement if you always pay on time or your score doesn’t plummet for some other reason) and giving good limits when you do graduate. So it’s a pretty good stepping stone to an unsecured, higher limit card in a short while.

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Oh, and my FICO is 0. Nothing. Nada. No credit history.

discovercard.com › application › preapproval › offers

Credit Card Pre-Approval Form | Discover

Find out if you're pre-qualified for a Discover credit card by checking our pre-approved offers for you; it's free and does not affect your credit score to check.

myFICO

ficoforums.myfico.com › t5 › Rebuilding-Your-Credit › Discover-IT-Secured-Pre-approved › td-p › 6386315

Discover IT Secured (Pre-approved) - myFICO® Forums - 6386315

August 11, 2021 - Browse credit cards from a variety of issuers to see if there's a better card for you. ... So, as some may already know, I'm still new to building credit and to these forums. I have been pre-approved for the Discover IT Secured Card and plan on opening that account within a week or so.

Forbes Advisor

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Discover it® Secured Credit Card Review 2025

Discover it® Secured Credit Card

Discover advertises the Discover it® Secured Credit Card for those new to and rebuilding credit. Discover requires applicants to provide personal and financial details and will make a hard inquiry on a credit report. However, the prequalification tool on the issuer’s website can help consumers gather an idea about their odds of approval... The Discover it® Secured Credit Card stands tall among secured cards. Few secured cards offer a welcome bonus or the opportunity to earn rewards comparable to several of Discover’s unsecured alternatives. With no annual fee and access to your FICO® Score, th

Rating: 4.6

LendingTree

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Discover it® Secured Card: Build Credit & Earn Rewards | LendingTree

November 5, 2025 - You can check to see if you’re preapproved for the Discover it® Secured Credit Card without impacting your credit score by completing Discover’s preapproval form online. Note that there will still be a hard pull if you decide to actually apply for a card. And be aware that while preapproval indicates you’re more likely to be approved, it does not guarantee approval when you apply.