If you apply for a Discover credit card online, you may think that the application is a surefire slam dunk. Even the very best Discover credit cards are geared toward consumers with scores of between 680. A score of 800 is way above what you should be aiming for. It's not that there is anything wrong with your score, but it really is better to aim for a higher number.
If you've applied for a Discover card, then you've probably heard that they have some of the best credit cards in the industry. They aren't the only ones that offer such perks though. There are many other companies that offer good, if not better, deals than Discover does on their own. You can get approved for some of these, too, but you'll likely need to pay a higher interest rate to get one.
The reason why many people use a site like this is so they can avoid the application rules most of the major credit card issuers have. These rules can be a pain, but they only apply to certain types of people. If you are, for example, an excellent credit risk, then you shouldn't really be concerned with the application rules. If you don't meet their minimum credit score requirements, then you probably shouldn't bother either.
What about those who do meet the credit score requirements? If they have good credit history, then there isn't much of a reason to worry. These people can still get the good deals that Discover offers. But just because their credit history is good doesn't mean it's good enough for Discover. They have to take into consideration things like recent inquiries and open accounts that could show up on your credit history report. So if you do manage to secure a Discover card, make sure to pay off your balance as soon as possible.
Another reason many people are concerned about applying for new credit cards is that lenders might try and take advantage of them. One way lenders might do this is by waiting a few months after the application has been made. This way they can review your credit report and see if you've opened new accounts in your name. That can negatively impact your credit score and may cause your lender to decline your new credit card application.
Of course, most people know when they're approved for a new credit card. Most people have no reason to worry about pending applications, though. The credit card issuers have to follow federal law, which means you're generally given at least a few weeks to decide whether or not you want to proceed with the pending application status. The lender might then send you a letter telling you that your application status has been changed, but there's still no need to move forward.
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