Discover seems to prefer Equifax, but they will pull from Experian and TransUnion too, depending on the state you live in. You can call their business credit cards department and ask exactly what applies to you. The number is 1-888-347-2683. Good luck!
It takes 5 to 7 business days to get a new Discover credit card and 4 to 6 days for replacement cards, in most cases.
Some other credit card issuers do offer even faster access to card info, though. For example, American Express and Capital One may provide customers with their card numbers instantly after approval.… read full answer
Once you receive your Discover it Card in the mail, you’ll need to activate it in order to be able to use it. You can do this in only a few minutes either by phone or online.
Your Discover card approval odds depend mostly on your credit, income, existing debt obligations and, of course, which Discover credit card you have your eye on. Most Discover cards require good credit or better for approval. But the Discover it® Secured Credit Card is available to people with bad credit, and there’s a pair of student cards that don’t require prior credit experience. In any case, like with any other credit card, there are no guarantees that one will get approved when applying.… read full answer
The best ways to estimate your approval odds are to check your latest credit score for free on WalletHub and use Discover’s online tool to see which cards you’re pre-approved for. Getting preapproved means you have good chances of being approved for an account when you officially apply. And neither checking your own credit score nor getting preapproved will hurt your credit.
Plus, if you don’t like what you learn about your approval odds, there are plenty of ways to boost your chances. We’ll highlight the most important below.
Here’s how to check & improve your Discover card approval odds:
1. See if you’re preapproved. Being preapproved means you’ve already met a lot of Discover’s requirements based on a harmless soft check of your credit. If you get preapproved for a card, there’s a good chance that you’ll be approved when you apply. You can check online to see if there are any Discover cards you’re likely to be approved for. This way, you can make sure to apply for a card only if your odds of approval are good.
2. Apply for cards with lower requirements. Discover it® Secured Credit Card has a good rate of approval because it’s meant for people with bad credit looking to rebuild. You’ll just have to put down a security deposit that acts as your credit line. Or if you’re a student, you could go for Discover it® Student Cash Back or Discover it® Student chrome, which both offer good approval odds for people with limited credit. The rest of Discover’s cards require at least good credit for approval.
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