I 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!