Discover® Card Apply for a Card Frequently Asked Questions Close Window

General Application

Q: Is my information secure?
A: Yes. We use the highest encryption standard possible, a 128-byte SSL (Secure Socket Layer). When you enter in personal information at Discover.com, it gets scrambled before it is sent to us. This stops anyone else from getting the information. Once it reaches us, it is unscrambled. To take advantage of SSL, we recommend you use an SSL-compatible browser. Most major browsers used in the U.S. are compatible.

Q: What credit score is required to apply for a Discover® Card?
A: You are welcome to apply for a Discover Card with any credit score. Credit score is just one of the things we consider when we decide to give you credit.

Q: Will I receive an instant decision on my application?
A: Discover Card will attempt to provide you a decision in 30 seconds or less; however, it may take up to 30 days to process your application. We process applications as quickly as possible and then mail you notification of the decision. You can also check the status of your application online at Discovercard.com/checkstatus, about 5 to 10 days after you submit it.

Q: When will I receive my card?
A: You will receive your card in the mail 5–7 days after you have been approved.

Q: Does Discover Card approve people who are rebuilding their credit?
A: We welcome everyone to apply, even if you are rebuilding your credit.

Q: I’m currently a Discover® More® Cardmember. How can I get a Discover® Open RoadSM or Miles by Discover® Card?
A: Please call us at 1-800-DISCOVER (1-800-347-2683) to inquire about changing your rewards program.

Address and Housing Information

Q: What do I enter if I do not have a housing payment?
A: If you own your home and have completely paid it off, please select "Own" from the housing status drop down menu and enter "0" for monthly housing payment. If you do not rent or own, please select "Other" from the housing status drop down menu and enter "0" for monthly housing payment.

Employment Information

Q: What if I’m unemployed?
A: If you are unemployed, please enter "none" for employer name; "unemployed" for occupation; "0" for length of employment; and "000-000-0000" for business telephone.

Q: What do I enter if I’m retired?
A: If you are retired, please enter "none" for employer name; "retired" for occupation; "0" for length of employment; and "000-000-0000" for business telephone.

Q: What do I enter if I’m a homemaker?
A: If you are a homemaker, please enter "none" for employer name; "homemaker" for occupation; "0" for length of employment; and "000-000-0000" for business telephone.

Q: What do I enter if I’m permanently disabled and don’t work?
A: If you are permanently disabled, please enter "none" for employer name; "permanently disabled" for occupation; "0" for length of employment; and "000-000-0000" for business telephone.

Household Income

Q: What do I include when determining my total annual household income?
A: You should include the sum of income received in the calendar year by all household members 15 years old and over, including household members not related to the householder. Included in the total are wage or salary income; net self-employment income; interest, dividends, or net rental or royalty income or income from estates and trusts; Social Security; Supplemental Security Income (SSI); public assistance or welfare payments; retirement, pensions; and all other income. Alimony, child support, spousal income and separate maintenance income need not be disclosed if you do not wish to have it considered as a basis for repaying this obligation.

Q: How do I compute my annual salary if I’m an hourly worker?
A: Multiply: (hourly wage) x (the average hours/week you work) x (52).
e.g. ($10 per hour) x (40 hours per week) x (52) = $20,800 per year


Credit Limit

Q: What will my credit limit be?
A: Discover Card does a thorough review of your credit history and application information to determine the best credit limit for you. Once you have received your card, you will know the credit limit. Credit limits vary from $500–$50,000.

Q: How do I know if my credit limit will cover a balance transfer amount? What happens if it doesn’t?
A: Discover Card will not be able to give you a credit limit until after you submit your application and are approved. If your credit limit does not cover your balance transfer request, we would only be able to process a partial balance transfer to avoid overlimit fees. Six months after you are approved, you may call 1-800-DISCOVER (1-800-347-2683) to request a credit limit increase.

Balance Transfer

Q: How do I submit my balance transfer request?
A: Please select "yes" for the balance transfer option. Once you submit your application, you will be directed to a page where you will enter your information to submit a balance transfer request. You can also transfer your balance at http://www.discovercard.com/balancetransfers anytime after you are approved.

Q: When will the balance transfer be completed?
A: Once the account is approved, the balance transfer will be completed within 7 days.

Q: Can I transfer my balance on one Discover Card to a new Discover Card?
A: Unfortunately, you may only transfer your balances from another creditor to your Discover Card. If you would like to know more about converting your reward program, please call 1-800-DISCOVER (1-800-347-2683).

Minimum Payment

Q: How do I know what my minimum payment will be?
A: Your minimum payment will vary depending on several factors including the size of your balance and any fees or finance charges you have to pay.

Responding to Offers Received in the Mail

Q: I received a letter in the mail with an invitation number. Where do I go to apply?
A: Go to Mydiscovercard.com and type in your invitation number.

Q: My invitation number doesn’t work. What do I do?
A: You can either send back the completed application that you received in the mail or contact us at the number listed on your solicitation.
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