Discover it®

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Cardholders' Choice i
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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
NinjaBingoWarrior
So far so good!
by NinjaBingoWarrior
Helpful to 24 out of 24

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
OSUElvin
Discover kicks you when you are down!
by OSUElvin
Helpful to 31 out of 36

Discover card has a strict policy of kicking you when you are down. We are in the process of moving for work. While selling our house we were required by the lender to pay for a new roof on our home prior to closing. Work started at our new location before the house sale closed so we are paying both rent and a mortgage. Getting the utilities(electric, gas, water, and internet) set up at the new location caused 4 new credit inquiries. Having to pay rent, a mortgage, and $14k for a roof cause my credit card utilization to increase significantly. This of course caused my credit score to go down. Then Discover card lowered my credit limit to within $125 of my current balance. This further increases my credit card utilization therefore FURTHER lowering my credit score and it takes away purchasing power when I need it the very most! I called Discover card to get my available credit back and the first operator transferred me to her manager and they transferred me to someone else again. They said they just cant do it. I explained to them that I have had a flawless account with them for several years and if they could not give me the credit back they would lose me as a customer. They told me there was nothing anyone there could do because of their policies and my credit score. So in 2 weeks when my house closes I will be pay my credit cards off. I will not be using Discover card for balance transfers or purchases ever again. I don’t want to give my money to a company that kicks you when you are down and says must do this because that is their policy.  


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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 March 2017 through August 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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