Your Discover it approval odds are good if you have a 640+ credit score; this means that you need at least fair credit to qualify for most Discover it credit cards. There are, though, some Discover it credit cards that are easier to get.
For example, while it’s easy to say that the Discover it® Secured Credit Card offers good approval odds, the fact that most other Discover it cards require at least fair credit for approval complicates things. Discover it approval odds aren’t the same for every applicant, either. Someone with perfect credit clearly will have a better chance at getting any Discover it card than someone with limited or bad credit, for instance.
Generally, besides a certain minimum credit score, issuers require applicants to have enough income or assets to pay the bill, in light of the existing debt obligations. But each credit card company analyzes the data a bit differently.
Here are the credit scores required for good Discover it approval odds:
In general, the lower a credit card’s minimum credit score is, the higher your approval odds will be. So, the Discover it Secured Credit Card has the best approval odds in the Discover it family. If you don’t know your credit score, you can check it for free on WalletHub. WalletHub is the only website where credit scores and reports update daily.
The easiest unsecured credit cards to get generally work best for minor emergencies. You will only receive a small amount of spending power, after all.
Unsecured credit cards for people with bad credit also tend to be very expensive, charging lots of fees and high interest rates. So, if you don’t need a small emergency loan, the best course of action is to improve your credit inexpensively with a secured card. Secured cards are cheaper than unsecured cards, build credit just as effectively, and offer the closest thing you’ll find to guaranteed approval.
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