Discover it®

Cardholders' Choice i
Cardholders' Choice i
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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

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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
sisler
So Far So Good
by sisler
Helpful to 1367 out of 1484

 

I applied for this card on Tuesday. I was instantly approved with a CL of $1200.00. I received the card yesterday via FedEx. 

The card comes with quite a few disclosure documents. I noticed in the disclosures that they evaluated my credit worhiness based on a TU score of 656, which is old. My current score is 716. Since they pulled my latest score on Tuesday, I'm surprised that the score they report using is not up-to-date. If anyone can shed some light on that, please do!

Aside from that, I'm pretty excited about having a Discover card. The ratings from other customers seem good. I'm a bit nervous about the variable interest rate which is based on the primte rate (which is currently at historical lows). But I don't plan on carrying a balance.

Lastly, I just want to say that CreditKarma is a really good service. Since becoming a member, I've increased my score by quite a bit and I'm more aware of how different parameters affect my score.

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
gxa0128
Only creditor to ever cut my limit
by gxa0128
Helpful to 37 out of 37

So I have had my Discover IT card for over a year 3k limit. I just got an e-mail from them tonight stating that they cut my limit too 1000, that I am now over my limit by 500. Called them to find out why they cut my limit. Was told I had too many new inquiries and recently opened too many accounts. Looking at my Credit Karma report from Monday, it shows that I have 2 new inquires from buying my car and a new auto loan. I just don't feeling like that was enough reason for Discover to cut my balance in half, I also think that cutting my balance and putting me over my limit and demanding payment a week before Christmas is kind of sketchy. I will be closing this card at the end of the month in favor of my AmEx Blue Cash the rewards aren't as good but AmEx is way better of a company. 


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† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ 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 November 2016 through April 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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