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Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
So far so good!
by NinjaBingoWarrior
Helpful to 42 out of 42

just got this card today, and I typically don't write reviews until after I've had the card a while. But this card already deserves 5 stars!

A little backstory on me. 6 months ago my credit was garbage. Low 500s, several collections (mostly medical), car repo from a few years back, tax lien for state taxes, student loans in collections (garnishment AND a tax refund offset), and a judgment from 6 years ago.
Fast forward to today, I've come leaps and bounds when it comes to my credit report. I disputed a bunch of the collections and got most of them off my reports. Rehabbed my student loans. Paid my tax lien. Repo fell off. Judgment should fall off this year. Score in the 640s according to Credit Karma.
I've been waiting to get in the upper 600s before I started applying for more cards. I started off with a Fingerhut card and a secured Capital One card. I also applied for a Credit One card a couple of months ago. I have perfect payment history on all of them. They're junk cards but I've been using them for what they're there for. Strictly to build credit. Sometimes I carry balances but not usually much.
So two weeks ago, I decided to try and apply for a couple store cards. My ultimate goal is to have 2-3 regular credit cards and a couple store cards for the ones I frequent. I applied and was approved for both store cards. I instantly got excited because it's been 10 years since I've had decent credit and could get approved for anything.
So I'm thinking at this point, I've already taken the hit. I may as well try for the regular cards I want and let them all age together. I plan for these cards to be permanent in my credit profile so I'm okay with getting them all at the same time, letting my score dip a bit because of the new accounts, and letting them age together so I have a strong credit background.
I tried for a regular Capital One card, and I'm not going to go into that LOL, but I don't plan on being a Capital One customer much longer. So I thought screw it, I'm going to try for Discover because wth. Worst they can do is say no. BAM! Instantly approved for $1700. Now I don't believe in 5 starring cards for being approved or 1 starring them for being denied. That's not what the rating system is for. I'm 5 starring them today because I was approved last Sunday night and I already have my card 6 days later. Most cards take 2 weeks to get here! They have a fantastic rewards program (I'm still in shock I was approved for a card with rewards!!!). The packaging the card came in was really cool. So far they more than deserve 5 stars for how professional they are. Getting the card quick and sending it in special packaging puts them above other card companies.
As far as use, I've used it today. No issues, but I'll obviously need to check back in a few months after payments have been made. I haven't downloaded the app yet but I'm guessing it's prob going to be well designed.
One other reason I want to put this review out there is that everyone needs to know NOT to rely on Credit Karma scores. It's a great website that gives you an idea of where you're at, but your scores aren't correct. Mine are showing in the 640s and Discover sent me my FICO and it was 705. That's a pretty big difference in the credit world when it comes to being approved or denied. So keep that in mind!
The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
by Anonymous
Helpful to 13 out of 14

I had the Discover it card since February 2014. My credit was excellent and I never missed a payment on anything ever. But guess what? I looked on my fico credit score and it dropped dramatically to the 600 range due to a "serious delinquency". I tried contacting discover after I pulled up all of my credit reports to see what was causing the issue. Discover reported the delinquency on my card when I never missed a payment. The customer service is terrible. They say they can't do anything about it so now I'm stuck filing ANOTHER dispute. It was fixed the 1st time in 2014. They did it again recently a month ago 2017. My advice is don't take the risk of getting a credit card with them if you care about your credit. Go with Chase freedom. 

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‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from May 2017 through October 2017. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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