What Credit Score Is Needed for a Discover Card?

Credit Cards

Are you thinking about applying for the Discover credit card?

The minimum credit score for most Discover credit cards is 670.

Discover Card

However, you can get a secured credit card from Discover without a credit check. The Discover it Secured card is for people who want to build their credit history. It requires a security deposit which acts as your credit limit. You use the card just the same as you would use an unsecured credit card, then Discover reports your payment history to the three major credit bureaus.

What else do I need to get approved for a Discover credit card?

There’s no guarantee that you will be approved for a credit card, regardless of how high your credit score is. Your credit score is probably the most important factor when considering your credit application. However, Discover also considers other factors such as your income, debt, and any negative items on your credit report.

How to Increase Your Chances of Getting Approved for a Discover Card

Getting approved for a credit card requires a little planning. Most credit card offers require very good credit. So, when applying for new credit, it’s essential to know your credit scores and what’s on your credit reports.

Discover wants to see a strong credit history, steady income, and low credit utilization. If you’re using too much of your existing revolving credit, it’s a sign that you may not pay them back. You’ll also want to make sure you haven’t applied for too much credit in the recent past. Having too many credit inquiries can lessen your chances of getting approved.

Need help improving your credit score?

One of the best ways to improve your credit scores is by removing negative items from your credit report. Lexington Law can help you dispute (and possibly remove) the following items:

  • late payments
  • collections
  • charge offs
  • foreclosures
  • repossessions
  • judgments
  • liens
  • bankruptcies

They have over 18 years of experience and have removed over 7 million negative items for their clients in 2020 alone. So if you’re struggling with bad credit and want to increase the likelihood of getting approved for new credit, give them a call at (800) 220-0084 for a free credit consultation.

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