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How to apply for discover credit card

If you want to sign up for an excellent and reliable credit card you should go to Discover, with worldwide acceptance and recognition. A card that will open the doors to the outside world but that you manage completely online.

Apply for a Credit Card Online from Discover
what credit score do you need to apply for discover card

Here you will see a guide and some basic steps on how you can apply for a Discover card, either through the phone or through the website. You should be aware that it has certain requirements just like opening an account but from the comfort of your own home.

¿What information is needed for a Discover card?

Before applying for the Discover credit card, we must choose the plans and have the documentation ready as any bank, obviously with the convenience and advantage that you can do it at home from the platform or through a phone call.

The Discover card application requires you to provide your name, address, date of birth and social security number. You will also need to provide your banking information and income, as well as your monthly rent or mortgage payment.

 You are also required to provide your banking and income information, as well as your monthly rent or mortgage payment. All of this information is required to know your current financial situation.

¿Can I apply for a Discover card over the phone?

Of course, you and anyone else can apply for a discover credit card from your cell phone, this is one of the many advantages of discover, and a great solution to those tedious banking processes.

You can order and request information about the requirements and procedure to get your card by calling 1-800-DISCOVER (1-800-347-2683). One of the operators will assist and guide you through the entire process, as well as discuss its functions as well as cash back, if you are looking for a card that does not have an annual fee, discover is the one to call.

¿How much income do you need for a Discover card?

No, the main factor to look at is your credit score, it must be good or excellent in order to get this card. Because before they give it out, what they are interested in knowing is your responsibility and ability to be on time with the monthly payments on the card. So no, there is no minimum income required by the company but there is that good score.

¿How long does Discover take to approve?

Just like any card has an estimated approval time and Discover it secured is no different than any other. If your file is clean, and you have all the necessary documents in order, it will be instant. If they need to check more details, it will take a couple of days to verify your information.

If you don’t get a response right away, they have an application status checker on their website.

¿Why won’t Discover approve me?

As with any application there is an option to accept or reject it, in case of non-compliance or lack of any rule or document. Fortunately, discover despite being very thorough does not present many difficulties to accept.

According to what we have already read, the main thing is the credit history, if it is good or bad, obviously they want the guarantee of the payments. And in case you don't have it, they check how your income compares to the credit you will receive. 

So if you have an income of around $45,000 in a year, you will have no problem to be assigned a credit card.

It should be noted that in order to apply, the credit history must be personal. It cannot be a partner or a family member, as this would cause your application to be rejected

¿How long does it take for a Discover card to arrive?

Discover credit cards from our new customers, unlike other issuers who offer up to 10 business days for delivery of your new card. At Discover, they are sent by priority mail and take 5 to 7 days to arrive free of charge.  Likewise, replacement cards are shipped faster and arrive within 4 to 6 days to maintain continuity and not disrupt customer needs.

¿Will Discover approve me with no credit?

It is already clear that the main factor to apply for a credit card is to have a credit guarantor that proves that you can afford the card, otherwise it is not possible.

You will not receive a Discover it® Cash Back card without credit. Since this is your due endorsement that you can afford the card. You must have at least good credit (credit score of 700 or higher) to qualify for the Discover it® Cash Back card and most other Discover cards.

Discover also takes into account your income, employment status, debt-to-income ratio, recent loan applications, etc.

Aplying for my new Discover card

It is true that anyone who meets the minimum requirements can apply for a discover credit card, no minimum income is required, but an excellent credit score that validates responsible payments is a must.

To register you can do it through the website or by a phone call. And within 5 to 7 days you will have your card if there is no problem with the registration of your file data.