If you would like to receive your pre-approval decision and your application decision electronically and, if approved, receive future disclosures and other important information about your Discover card Account electronically instead of paper, please read and accept the terms and conditions below.
Please note that you are not signing up to receive statements by e-mail.
Please read the following important information about receiving disclosures electronically.
You agree that we may provide you with your pre-approval decision and application decision and, if approved, any disclosures, notices or other information (collectively "disclosures") legally required in connection with your Discover card Account electronically rather than in paper form. These disclosures include, but are not limited to, our privacy policy, change of terms notices, and amendments or addenda to the Cardmember Agreement or to the terms of any benefits, products, or services offered in connection with your Account. You have the right to receive these disclosures in paper form, and may at any time withdraw your consent to receive them electronically. There will be no fees or penalties for withdrawal of your consent. You can withdraw your consent, request paper disclosures, or update your e-mail address in the profile section of account center if you are a cardmember, or by calling 1-800-DISCOVER (1-800-347-2683). There is no fee for paper copies of disclosures.
If you are eligible, your pre-approved offer will be delivered on the next page. Your application decision will be delivered on the next web page after submitting your application and you will have the ability to save it and print it out. If you are approved, your account disclosures will be delivered to you as a message at your Secure Message Center, or when indicated for some disclosures, be delivered to you on a web page on Account Center.
For the Secure Message Center, you will receive an email notification at your email address on file with us notifying you of a new message. If you use a spam filter, which blocks or reroutes emails from senders not listed in your email address book, you must add "service@email.discover.com" to your email address book. In addition, to ensure that you are able to receive notifications about new messages, you must keep your email address current via the "My Profile" section on Discover.com. You can access the Secure Message Center by clicking on the link in the email notification or by logging in to your account at discover.com. If you are unable to access the Secure Message Center, please call us at 1-800-DISCOVER (1-800-347-2683).
Each message on your Secure Message Center will be accessible for 120 days from delivery before it is deleted. After a message is opened by you, it will be accessible for 30 days before being deleted. You will have the ability to print out your messages.
To ensure you receive the necessary messages and disclosures, you must have a valid Internet email address, Internet access and access to a printer. You must also have one of the following hardware/browser combinations, with cookies enabled and the following software:
Target Browsers Supported
- Microsoft® Windows®
- Internet Explorer 11.0 and above
- Mozilla Firefox 30.0 and above
- Google Chrome 30.0 and above
- Safari 7.0 and above
- Google Chrome Mobile 30.0 and above
- Safari Mobile 5.0 and above
- Macintosh®
- Safari 7.0 and above
- Google Chrome Mobile 30.0 and above
- Safari Mobile 5.0 and above
Software
- Adobe Reader 8.0 and above
- JavaScript 1.0 and above
We reserve the right to terminate this service, change terms of your use of this service or send disclosures in paper form at any time. We will provide you with notice of any such termination or change as required by law.
By checking the box below, you certify that you consent to receive disclosures electronically and have the ability to do so.
©2018 Discover Bank, Member FDIC
FAQs
A pre-approval letter means that the credit card issuer believes you're likely to be approved, but approval isn't guaranteed. You'll still have to submit an application, and the credit card company will then do what's known as a hard credit inquiry, or “hard pull,” of your credit report.
What credit score is needed for a Discover card? ›
The minimum credit score needed to get most Discover credit cards is 700 or above. There are a few Discover cards for which there's no minimum credit score requirement, such as the Discover it® Secured Credit Card which you can get with a bad credit score (below 640).
How accurate is Discover pre-approval? ›
Pre-approval checks aren't as extensive as a hard credit check, so receiving Discover pre-approval doesn't necessarily mean you will be approved for the card. On the flip side, not having pre-approval for a Discover card doesn't mean you'll be denied.
How hard is it to get approved for a Discover card? ›
If you want to get a Discover® credit card, you may be wondering how hard it is to get approved. Your credit score plays an important role here. The best Discover credit cards are aimed at consumers with FICO® Scores of 670 or above. If you have good or excellent credit, that helps quite a bit.
Which card is easiest to get approved for? ›
NerdWallet's Easiest Credit Cards to Get of May 2024
- OpenSky® Plus Secured Visa® Credit Card: Best for No credit check and no bank account required.
- Chime Secured Credit Builder Visa® Credit Card: Best for No credit check + flexibility and guardrails.
- Mission Lane Visa® Credit Card: Best for Unsecured card for bad credit.
However, even though prospective homebuyers get pre-approved for a mortgage before shopping for homes, there's no 100% guarantee they'll successfully get financing. Mortgages can get denied and real estate deals can fall apart — even after the buyer is pre-approved.
Which FICO score does Discover use? ›
Discover provides your FICO® Score 8, which is one of the company's most widely used scoring models, according to FICO. Lenders use several different kinds of FICO® Scores, depending on the type of loan they provide. Discover provides your score from data on your TransUnion® credit report.
How to get a credit card with a $5000 limit? ›
In general, your chances of being approved for a $5,000 limit credit card are best if you apply for a secured credit card that allows you to deposit $5,000. The deposit acts as your spending limit, which prevents you from spending more than you can afford to repay.
What credit agency does Discover pull? ›
Discover may pull from any of three major credit bureaus: Experian, Equifax and TransUnion, but it appears based on consumer-reported data the bank leans heavily on Equifax to source many credit reports, followed by Experian and TransUnion.
Why won't Discover approve me? ›
Common reasons applicants are denied credit cards include low credit scores, no credit history, inadequate ratio of income vs. expenses, and not meeting minimum age requirements.
Unfortunately, you may have to wait until you receive your new or replacement credit card in the mail. Once your card does arrive, you can then use your credit card immediately upon activation.
What is a good APR for a credit card? ›
An APR is considered to be a good rate when it is at or below the national average, which currently sits at 20.40%, according to the Fed. This means that a credit card offering a fixed rate lower than 20.40% or a variable rate with a maximum of 20.40% would be considered a good APR for the average borrower.
What is the minimum income for Discover? ›
You must have a minimum individual or household annual income of $25,000, be over 18 years of age, and have a valid US SSN to be considered for a Discover personal loan. Loan approval is subject to confirmation that your income, debt-to-income ratio, credit history and application information meet all requirements.
What is the minimum income for Discover it card? ›
No, there is no minimum income required to get approved for Discover it® Cash Back. When it comes to income, what you need to demonstrate is your ability to make at least the minimum monthly payments and to repay any balance you may incur. Moreover, a good credit score or better is required to get this card.
Does Discover check your income? ›
Discover uses multiple resources to confirm income and employment status: To verify income: Documents like recent pay stubs or bank statements can serve as income verification. In certain situations, we may use third-party vendors to confirm that information.
Can I get a Discover it credit card with a 600 credit score? ›
If you have a low credit score or limited credit history, you still have options. For example, there's no credit score required to apply for a Discover it® Secured Card.
What credit card can I get with a 650 credit score? ›
The Capital One Quicksilver Secured Cash Rewards card provides the best of both worlds for someone with a 650 credit score. Cardholders earn 1.5% cash back on all purchases. Plus—because it reports to all three major credit bureaus—you'll have the opportunity to improve your credit score with good payment history.
What credit card can I get with a 600 credit score? ›
Compare the best cards you can get with a 600 credit score
| Card name | Reward highlights | Fees |
|---|
| Mission Lane Cash Back Visa® Credit Card | Unlimited 1 percent or 1.5 percent for all qualifying purchases | $0 annual fee |
| Capital One Platinum Credit Card | N/A | $0 annual fee |
3 more rowsJan 3, 2024
If you have an average credit score (around 650), you may have more options than someone with no credit history. You may be able to get approval for premium cards—which have additional perks and benefits—but these could come with a lower credit limit and higher interest rates.
