Received an invitation to apply over Thanksgiving....after doing some research I thought I'd apply since they like to pull Equifax (My EQ report is cleaner than TransUnion, which CK is based of).
After putting in info about my employment, I was instantly approved. I didn't get the 0% promo offer (3.90%/6 months, 22.99% after) but I rarely carry balances so I didn't really care. I was able to register for an online account right then.
I didn't know my CL, so I called the customer service line and was directly connected to someone in Ohio - all in less than a minute! After giving him my info, he let me know my credit limit was $1,500. Not bad but expected as Discover is a bit on the conservative side.
The card came Priority Mail 2nd day delivery in a nice fancy package. The welcome kit also included my EQ FICO score which is 705.
I've been using it to get 5% back on online shopping this quarter...can't wait to use it during next quarter for 5% back on restuarants (I eat out a bit.)
Thanks Discover for giving me a chance!
injustifiiable's response was:
To those who got denied: Check your Experian reports...that's who they actually pull. CK uses data from TransUnion...you may have a "good chance" of approval with the data on TU, but if your EX is radically different, it might not work out for you.
Approved for $1000 with score of 579. Being careful with Barclays though...I've learned that they do watch new customers closely (by soft pulling your credit reports) for about 6 months...they can close your account if you get any new cards. This is the last I need for quite awhile, though!
If I could give it zero stars, I would.
What a POS card...between the 36% interest rate, $95.00 processing fee, $75.00 annual fee, and $8 monthly fee, you're really better off putting that money on a secured card with Capital One or something. This card was even worse in 2006 when I had it; back then they charged all this crap up front and you ended up with $50 available credit by the time you got the thing (they had to clean up their act a bit after the new credit card regulations).
There are better choices out there. Don't put yourself through the hassle.
WFNNB just gave me some more love!!! Was just approved for $500 with the shopping cart trick. Very nice...will go for CLI in 9 months!
Had the card a week...$301 limit thanks to extra deposit I made...everything seems to be working great.
Now hurry up and report so I can see my CK score increase a bit...lol.
I was trying to buy something online from Express last week and one of those famous pre-approvals pop up. I knew there would be no hard inquiry so I accepted it right away. Application was instantly approved and was able to call into the automated system the next day to learn CL was $500. Soft pull was on done on Equifax, where my FICO score is in the 660's. I don't plan on using it much but am hoping that the CL will grow with me by the time I app for a Chase card next year. Definitely a PIF product since APR is around 25% like most store cards...if you can get it without a hard pull, it's an easy way to build or rebuild credit.
If I could give it zero stars, I would. What a POS card...between the 36% interest rate, $95.00 processing fee, $75.00 annual fee, and $8 monthly fee, you're really better off putting that money on a secured card with Capital One or something. This card was even worse in 2006 when I had it; back then they charged all this crap up front and you ended up with $50 available credit by the time you got the thing (they had to clean up their act a bit after the new credit card regulations).
There are better choices out there. Don't put yourself through the hassle. Run far, far away from this.
Just got it...I don't plan on using it though...maybe put Hulu Plus recurring expense on it to show a little bit of use. I have other cards that I use regularly and those are easier to deal with.
I'm a current BoA checking account customer and I got a pre-selected letter in the mail about this card. I saw that they did a soft pull on Experian so I figured I had a good chance.
Instantly approved for $2,500 which is good enough for me.
The card itself came in about a week. I got 0% APR for 15 months then 14.99% after...heck, that's better than the Chase Freedom card I was trying to get a few months back!
I've been using it as my everyday card, rotating with my Discover IT to get the respective bonuses each quarter. Since I already bank with BoA, I can make a payment easily by just doing a simple transfer from my checking account online or from my iPhone. I run around $1000/month through it monthly and like to pay twice a month to keep my reported balance down.
Haven't had to call them for anything, and hopefully I won't have to.