What are my Discover it Secured Credit Card approval odds?

Your Discover it Secured Credit Card approval odds are good, even with bad credit. The Discover it Secured Credit Card was designed for building or rebuilding credit, which means you can get it despite being a newcomer or having a bad score. But nothing is guaranteed. You can estimate your approval odds by checking both your latest credit report and your personalized credit analysis, which you can get by signing up for a free WalletHub account.

In general, secured cards have the highest approval rates of any credit cards because there’s little to no risk to the issuer. They can just keep your security deposit if you don’t pay your balance, after all. If you do get denied, Discover will tell you exactly why in their response. But you don’t necessarily have to give up there. You’re allowed to call Discover and ask them to reconsider your application.

And if you’re still denied after reconsideration, you’re not completely out of options. Becoming an authorized user on a friend’s or family member’s credit card account can help improve your credit, at least to the point where you can qualify for your own card. You may also want to check out our "guaranteed approval" credit cards page to see if there are any offers available that don’t require a credit check.

It's a secured card, so you've got good chances. They rarely deny folks, because of the security deposit, so if you're thinking of rebuilding credit, it's a good option!

Kind of. The bad score won't really be a problem, as that's what secured cards are for. With that said, it depends on where you are at with your bankruptcy. If it's not discharged, and still fresh, they might deny you. Best to just wait a while. If it's discharged, you still have good odds.