Discover offers some very good choices in credit cards for lots of customers with different credit needs. It is easy to apply for Discover credit cards. Read more about Discover credit cards to see if a Discover credit card might be a good fit for your credit needs. Compare Discover credit cards with credit cards from other issuers to see where you can get the lowest APR with the most bonuses based on your credit history.
Apply for a Discover Credit Card
It is easy to apply for a Discover credit card. First, you narrow down your selections to a few credit cards you think are best. Then, you can apply online, in person, or over the phone. Discover will then perform a credit check on you to see if you qualify for that particular credit card.
When Discover performs their credit check, they will be checking your credit score and your credit report. A credit score is a number that represents your reliability as a borrower. This number is determined by your credit report which is a log of all of your past borrowing habits and records.
There are lots of things that go into determining your credit score. If you have ever defaulted on a loan, or if you have a tendency to make late payments, you may have a low credit score. However, if you have a good history of making timely payments, or if you have a credit history with a long life, you are more likely to have a good credit score.
If you have an “excellent” credit score, usually defined as a score of 720 or above, you shouldn’t have any trouble qualifying for most credit scores. If you have a “good” credit score (depending on the issuer, this could be a score between 620 up to 720), you may not qualify for some Discover credit cards. If you a bad credit score or no credit score, you may have to get a secured credit card or a student credit card.
Before you apply for a Discover credit card online, make sure you have read up on the different Discover credit cards. If you apply for too many credit cards, or you get too many credit checks, it can negatively affect your credit score. However, credit reporting bureaus usually give you some leeway with this. A lot of the time, you can request up to a dozen credit checks within a 2 week period and they will all count as just one credit check. This allows you to shop around with different issuers before settling on a particular card.
Popular Discover Cash Back Credit Cards
Discover has lots of personal credit cards with cash back bonuses and rewards. Generally, cards with cashback rewards will have higher APRs and annual fees, but Discover actually offers lots of cash back credit cards with very reasonable rates. However, you need to have a pretty good credit score to qualify for one of these cards.