Though this card requires a security deposit equal to your credit line, it is available to customers with lower scores. ![]() Most issuers suggest waiting a few months before reapplying.īorrowers who are new to credit or rebuilding their score might consider the Discover it® Secured Credit Card. If you were rejected due to your credit history, you may be able to get approval for a different Discover card. There are a variety of reasons your credit application might be rejected, including limited credit history, a low credit score or debt relative to your income that exceeds the issuer’s standards. It’s worth seeing if Discover is willing to reconsider in light of any additional information you can provide, since the worst they can say is “no.” For example, if you have recently moved, your new address may not match the one on your credit report. There are many situations in which you might be successful in getting Discover to reconsider your application, especially if the information in your application was either incomplete or incorrect. After preparing by reading our reconsideration guide, reviewing a recent copy of your credit report and finding out the reason you were denied, try giving Discover a call at 1-80. Sometimes an issuer may be willing to change their mind after initially denying you a new card. ![]() Like many major card issuers, Discover allows applicants to apply for reconsideration. You are entitled under the Fair Credit Reporting Act to a written communication of the reasons your application for credit was rejected by the issuer, which you can expect by mail within 7-10 business days of the decision. If your Discover Application was rejected and you’re wondering what to do next, it’s important to know your options and rights. This will ensure that you receive any special perks mentioned in the mailing. Visit the Discover website to complete your application, and make sure to use the four word code. If you received one of these, it will contain a four word application code. Like most credit card issuers, Discover often sends special offers in the mail which are not available publicly on their website. After confirming you are over 18, an account manager will guide you through the application process for your card of choice. Simply call Discover at 1-80 and state “apply for new card” when prompted. If you already have a card in mind, you can also apply over the phone. ![]() If approved, you will receive your new card in the mail within about two weeks. You will usually receive a response immediately, and some cardholders might be instantly approved. If you receive any preapproval offers, you can submit your application right away. Discover allows you to check if you are preapproved after entering some basic personal and financial information. The easiest way to apply for a Discover card is online.
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