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Not all credit scores are created equal. 90% of top lenders use FICO ® Scores in their decisions, including Discover. And now you can see yours for free. Plus see recent credit inquiries, your revolving credit utilization, whether you've missed any recent payments and more.

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You can feel comfortable knowing that we will never sell your information to third parties.

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What's in your Discover Credit Scorecard?

See your FICO ® Credit Score and so much more.

See your FICO ® Credit Score and so much more.

We don't only show you your score, we show you some of what's behind it. Things like missed payments, how much revolving credit you're using and number of recent inquiries—some of the information lenders see when evaluating your credit. And check with confidence knowing we never sell your information.

Understand how your FICO ® Credit Score is determined.

Your FICO ® Scores consider five categories of credit data from your Experian credit report that may vary in importance for different credit profiles. The percentages reflected are based on the five categories for the general population.

  • 35% Payment history
  • 30% Amounts you owe
  • 15% Length of credit history
  • 10% New credit opened
  • 10% Types of credit

Access resources and credit score education to help you stay ahead.

If you are looking to stay on top of your credit—you can find information here.

1. Will viewing this Credit Scorecard affect my score?

No. The FICO ® Score and other credit information we provide will never hurt your credit score. In fact, you can check as often as you like – it will never affect your score. Check back every 30 days to see a refreshed score.

2. Why do we provide your Credit Scorecard for free?

We want you to check your Credit Scorecard without worry which is why we offer it for free – even if you're not a Discover customer.

3. What are FICO ® Credit Scores?

Credit scores are three-digit numbers that summarize the positive and negative information on your Experian credit report. They help lenders quickly assess your credit risk, and can influence everything from car loans, to mortgages to credit cards.

4. What measures do you take to protect my privacy?

Discover is serious about security. We'll never sell your information to third parties and we take steps to protect your privacy. To understand how we handle your data, please review our privacy notice.

5. Can checking my FICO ® Score help if I'm concerned about data breaches?

Staying on top of your credit can be very helpful if you're concerned about a data breach. Every 30 days, you can get an updated FICO ® Credit Score, which includes total number of accounts, number of inquiries and more insight on what's helping and hurting your credit.

6. Will a Credit Freeze prevent updates to my Discover Credit Scorecard?

Yes. If you place a Credit Freeze on your credit file, we can only show your Discover Credit Scorecard from the last time you accessed it before the freeze. If you decide to take the freeze off your file, you'll be able to update your Credit Scorecard again.

You don't have to be our customer and there's no ding to your credit.

Credit Scorecard Information: Credit Scorecard is provided by Discover Bank, and includes a FICO ® Credit Score and other credit information. Credit Scorecard information is based on data from Experian and may differ from credit scores and credit information provided by other credit bureaus. This information is provided to you at no cost and with your consent. You must be 18 years old and a U.S. resident or a resident of America Samoa, Guam, Northern Mariana Islands, Puerto Rico or the Virgin Islands. Your Credit Scorecard will be refreshed the later of every 30-days or the next time you log in to Credit Scorecard. Discover and other lenders may use different inputs, such as a FICO ® Credit Score, other credit scores and more information in credit decisions. This product may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.

It only takes seconds to get your free credit scorecard from Discover. And you don't even need to be a customer.

With a credit scorecard, you'll get your FICO ® Credit Score. And that's a big deal. This is the score 90% of top lenders actually use in their lending decisions.

You'll see how you're doing, where you stand compared to the national Average and how you got there.

A lot of information goes into making your FICO ® Credit Score. So, we give you 5 key aspects of credit that drive your score, including number of open accounts, how long you've had credit, number of recent inquiries, revolving credit usage and number of missed payments.

We also give you resources to help you stay on top of your credit.

Checking your scorecard will never hurt your credit.

And rest assured, we'll never sell your information to a third party.

Your FICO ® Credit Score may already affect the interest you pay on everything from everyday purchases to the big stuff. And knowing where you stand makes it easier to get the benefits you deserve.

That's why it's important to get a credit score that matters to lenders and details that matter to your score.

So, what are you waiting for? Get your free credit scorecard from Discover now.

Credit cards for people with low credit scores usually feature exorbitant interest rates and more fees than those for individuals with excellent credit. These are known as sub-prime cards, and they can pave the way to establish or rebuild good credit for those who may have had past credit challenges.

There are a few unsecured credit card options for people with low FICO scores.

Total Visa, which made's list of the easiest cards to get with bad credit, offers a credit limit of $300. However, it is accompanied by an initial annual fee of $75 that will be deducted once the card is issued, decreasing your available credit to $225. After the first year, the annual fee decreases to $48. Furthermore, you must also pay a $89 processing fee before activating the card. The APR is 29.99 percent for purchases and cash advances, and payment activity is reported to the credit bureaus.

To apply for the Total Visa, complete the online application or call (888) 267-7942.

First PREMIER Bank Credit Card

The First PREMIER® Bank Credit Card made WalletHub's list of top unsecured cards for people with poor credit. It is accompanied by a 36 percent APR for purchases and cash advances. In addition, the annual and monthly servicing fees are as follows:

$300 credit limit- $75 annual fee in the first year ($45 in subsequent years), $6.25 monthly servicing fee

$400 credit limit- $100 annual fee in the first year ($45 in subsequent years), $6.25 monthly servicing fee

$500 credit limit- $125 annual fee in the first year ($49 in subsequent years), $10.40 monthly servicing fee

A 27-day grace period applies and account activity is reported to the three major credit bureaus.

You can apply online and receive a decision in 60 seconds or less. Go to, then click the "less than perfect credit" icon to access the application. If approved, you will need to remit a $95 processing fee to access your available credit.

The Milestone Gold MasterCard is recognized by MoneyUnder30 as one of the best credit cards for individuals with poor credit, which they define as a FICO score lower than 599. This card, which reports to the major credit bureaus, assesses an APR of 23.9 percent for purchases and 29.9 percent for cash advances. The annual fee is $35, $59 or $75 ($99 in subsequent years) and will be determined by your creditworthiness. In addition, an initial processing fee, which will be deducted from your available credit, may also apply when you open an account.

Before submitting a formal application, you will need to complete the online pre-qualification form. If you pass the screening, you will be invited to submit an application for credit. The pre-screening will not impact your credit score, but the official application counts as an inquiry.

If you are having trouble getting approved for an unsecured card, a secured card may be a viable option. However, a security deposit is required and the amount of your available credit will be equal to this amount.

First Progress Platinum Prestige MasterCard Secured

The First Progress Platinum Prestige MasterCard Secured is accompanied by an APR of 11.99 for purchases and 18.99 percent for cash advances. In fact, it is recommended by The Simple Dollar because it has an "APR that is fairly low not just for secured credit cards, but for credit cards in general." There are no account maintenance fees, but an annual fee of $44 applies. Furthermore, payment activity is reported the three major credit bureaus.

To apply for consideration, visit the website and complete the online application or call (877) 724-0932. If approved, you will need to make a security deposit between $200 and $2,000 to access your available credit.

Capital One Secured MasterCard

The Capital One Secured MasterCard is one of NerdWallet's top picks for people with bad credit. There is no annual fee, but an APR of 24.99 percent applies for purchases and cash advances.

When you make the minimum security deposit of $49, $99, or $200, you will be granted access to a credit limit of $200. Unlike most secured card products, you have 80 days from the date of approval to make the initial deposit.

In addition, you will automatically receive a credit limit increase if you make the first five payments on-time. You also have the option to deposit up to $3,000 to get a higher credit limit.

You can apply for the Capital One Secured MasterCard online, at a branch, or by calling 1-800-695-5500. If approved, all account information will be reported to the major credit bureaus.

Obtaining credit when you have a low FICO score can be expensive. The lower your score, the higher the lender's risk, and they charge more to cover that risk.

Minimize these expenses by paying balances in full each month and by thoroughly understanding fee structures. It helps to think of these types of cards as a means to an end. With careful management of your account, you will likely qualify for a more cost-effective option in one to two years.

Taking on more credit won't hurt a good credit score

I just purchased a carpet with a 12-month, no-interest offer on a new credit card account with Lowe's. The card has a $12,000 limit, since I have good credit. The carpet was only $1,500, and I have no need for more. Will adding this much credit hurt my score? -- Christine

As someone who is a responsible borrower, adding more credit isn't a cause for concern, provided you keep up your good habits and always make your monthly payments.

Your careful credit habits -- which likely include always paying bills on time and not taking on too much debt -- have earned you a good credit score. That new account with Lowe's may initially cause your score to fall slightly, due to the so-called "hard inquiry" when you applied for the card. Your credit could also be impacted by a change in the comparison of your total debt to credit limits, which is also known as your credit utilization ratio. However, by gaining access to more credit, but using relatively little of it, you could actually benefit your credit score over time. Paired with your already solid credit history, you have little reason for concern: Any damage to your credit score will quickly be erased by your good borrowing habits.

Although hard credit inquiries can impact a new cardholder's credit score, the drop is negligible. On FICO's website, the creator of the most commonly used scoring model says a hard inquiry typically shaves fewer than five points off a borrower's FICO credit score. In your case, the score damage might be even less severe, experts say. "An inquiry represents potential new debt that isn't yet shown as an account in the credit report. If a person has had issues managing their credit, that potential new debt represents lending risk," says Rod Griffin, director of public education for credit bureau Experian. "If a person has had no issues, that potential new debt represents little or no risk, so has very little or no impact on the credit score."

Soon after your new account is active, its associated debt and credit limit will begin appearing on your credit report. "We at Lowe's don't report to these three credit bureaus; however, our credit card is serviced by G.E. Money, and they do report credit to these three services," says Lowe's spokeswoman Karen Cobb. Therefore, G.E. Money's name will appear on your credit report alongside that account's information.

That new account could alter your utilization ratio, potentially impacting your credit score. For example, let's say you have another credit card with a balance of $500 and a credit line of $10,000, meaning you are using 5 percent of your total credit. You then open that Lowe's account, increasing your total debt to $2,000 and your total credit line to $22,000, for a utilization ratio of 9 percent. Your higher utilization ratio puts you closer (in this case only slightly) to maxing out your lines of credit, although still well below the recommended 30 percent utilization ratio.

Once again, your good credit history should protect you. "Taking on new debt puts additional demands on our ability to repay it. The higher your overall credit usage, the greater the risk because you are stretching your financial resources," Griffin says. "But, like inquiries, if you have a history of good credit management, that impact will be minimal. After a few months of making the payments on time, her credit scores would likely bounce back up to their previous level because she has demonstrated that she can manage the new debt."

It's also possible that higher limit could help you from the get-go. In this scenario, let's say you have an existing card with a balance of $5,000 and a credit line of $10,000, meaning you are using half of your available credit. Combine that with your Lowe's account, and you have a $6,500 total balance and an overall credit line of $22,000. Now, instead of using 50 percent of your credit, you are using about 30 percent -- a lower percentage that should help your credit score.

Although lenders once viewed high credit limits as a cause for concern, that stance has changed, experts say. "In the past, lenders were concerned about consumers having too much credit available to them. The risk was that they would suddenly charge to the limit, get over-indebted and be unable to repay the debt," Griffin says. "Today that is less of a concern than a consumer's utilization rate."

While protecting your credit score is your main concern, there's another reason to regularly pay down that debt. Although the Lowe's card account isn't charging interest for the first year, new regulations mean you still need to make monthly payments to avoid being charged any fees. "Prior to this, we frequently offered the no interest, no payment for a specific amount of time," Cobb says. Not anymore. "Now, under the new Credit CARD Act, you are now required to make that minimum monthly payment," Cobb says. If you fail to pay on time, expect fees. As outlined in G.E. Money's terms and conditions, your "account is subject to late payment fees if the minimum monthly payment isn't made," Cobb says. Additionally, once those 12 months are up and a balance still remains on your account, interest charges can be assessed retroactively.

By continuing to exhibit good borrowing habits and paying off your new debt, you'll protect your credit score while avoiding fees and interest charges.

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From Cardholders in the last year

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3 out of 5 stars

2 out of 5 stars

I've had the lowes card for a couple of years and and even though I've often had very high balance I've never had a late payment and they have automatically raised my credit limit

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Synchony Finanical / Lowes / NEVER AGAIN

3 years ago, my wife and I applied for Lowes credit card and was approved for $6000! With such a large limit, we could charge $1-2 thousand on the card and not have it affect our credit in a negative way. Plus, take advantage of the 5% off and 0% APR Promos. This was the impression we were under at the time.

Without getting into detail, about two months ago, we had a family emergency which drained our saving account and almost maxed out two of MY credit cards; not my wife’s. When I checked, our credit reports the following month, my wife’s credit was fine. However, mine took a little bit of a dip because of the new high balances on my two major credit cards I still hold. Still I was sitting at a 705 Avg. Score and my wife was @ a 790 Avg. I thought to myself, no worries I'll pay down the balance on my two credit cards and my credit scores should come back up in 6 months or so.

A couple of weeks ago, I was going to purchase a $300 lawn mower from Lowes using the Lowes credit card. I only had $1300 balance, I thought it wise to just charge the mower and pay it off by the end of the month. When I went to check the balance on my Lowes card through Synchony Financial, I learned that: THEY DROPPED MY CREDIT LIMIT TO $2000 FROM $6000! THUS FURTHER RUINING MY CREDIT UTILIZATION . Now, with no other credit cards in my name and my other 2 major credit cards nearly maxed out. I pulled my credit report again yesterday as it updated and my score dropped another 20 points because of this! Worse off, my wife took a smaller hit on her credit score! I received a letter from Synchony Financial after I found this out and they said it was because of the high balances on my other credit cards I had recently racked up. I paid this and all my bills on time and for more than the minimum payments. Now because SYNCHONY FINANCIAL did this, the security blanket I thought I had with a $6000 credit limit is now gone along with 20 points on my credit score… All for doing business with these jerks! I gave both Lowes and Synchony Financial a chance to make this right and all the did was note my concerns on the account. Because it would save money on interest and to show how stupid they are, I transferred the balance from Lowes Credit to my AMEX card. FYI: SYNCHONY FINANCIAL also does business with Newegg which I did the same on that card as well and will never use it again.

I now REFUSE to do BUSINESS with both Lowes and Newegg because I won’t purchase from an organization that does business with SHARKS like SYNCHONY FINANCIAL. If you read the very, very, very fine print, you will learn that they can pull your credit report at any time and ADJUST your credit limit to fit their needs. They can even close the account on you! All though this is legal, IT SHOULD BE A CRIME! This is not a good business practice and hurts the consumers.

Lowes - Doesn’t care about keeping customers

It's not their obligation to remind you ; but it is your obligation to pay.You knew perfectly well that you had a credit card and should have been aware of any outstanding bal.

Had credit with Lowes for 20 years. Never missed a payment. I asked them to raise my credit. Instead, they checked my credit score and lowered my credit. Now I can not even bu.

First of all, Lowes doesn't issue the card, a credit company does and just has Lowes name on it. When you applied for the card you agreed to the terms of the card. It isn't th.

Synchrony Bank - Simply put. crooks unjust and corrupt.

bums did the same to me at Lowes. never missed payments and paid more than minimum due. I love Lowes but will not use another friggin card from Sychrony Bank bums

Yea you can forget a class action suit ,trump changed that bill so we cant bring a class action suit anymore

Lowes - 6 months interest free SCAM- Is a class action law suit needed?

"Billing statement does NOT indicate what needs to be paid each month to avoid interest charges"I don't know where to start with you.6 Months Same As Cash means Pay It ALL off.

Lowes - Rebate VISA debit card - declined

Don't use prepaid VISA or Master Cards in a restaurant. The problem is that in a restaurant the don't put in a final total when they initially run the card. It is left open fo.

This has nothing to do with Lowe's, you nitwit. Run it as credit and it will deduct the available amount.

  • Lack of respect for the customer
  • Decrease in credit

Who complains about someone lowering a the limit on a store credit card? How often do you use it? Is your self worth attached to your credit limit? How sad a life you must lea.

1 Star2 Stars3 Stars4 Stars5 Stars (3 оценок, среднее: 5.00 из 5)
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