06-29-2012 01:36 PM
I applied for this card with 7 months of credit history and was denied. I recently applied again with 10 months of history and was approved. My utilization was at 18% on my 1K limit credit union student visa. I was also approved for a Citi Forward with a much higher limit at the same time, so I would look into that as well. Discover customer service has been amazing so far!
06-29-2012 04:07 PM
07-02-2012 03:44 PM
07-02-2012 04:14 PM
on a side note, my friend just applied for the Cap1 student rewards card and got approved for a 1k limit. He had HORRIBLE credit history an income slightly higher than yours. Might be worth checking out - heres the link:
That's the card I started with as well and it's treated me great. The only thing I don't like about it, is that they did 3 hard pulls, but it's a price worth paying for getting your credit started, I had no credit and I was so glad I started with an unsecured card. But I would look at your other options and feedback from the community from other issuers, I had no knowledge when I applied.
07-02-2012 06:28 PM
I applied for my Discover More for Students card when I had about 8 months of total credit history and I had two cards at the time. I received a message after applying telling me to call the 1800 number. They asked me a few security questions and then approved me for a 3k CL.
Obviously this is not a guarantee but if you really want the card it's possible to get it with little credit history.
Same thing happened to me. Except it was a Discover More.
07-02-2012 07:41 PM
I did some research and it looks like you have to be enrolled in a university to get the discover more student. Right now I am currently in community college. My fako are eqifax 718 , experian 737 and transunion 734. What are my odds of getting a discover more card with my income and 8 months credit history.
Open up the application online (you don't need to fill it out now) but look at the "Select your school" option and see if your school shows up. If not, when you want to apply just call up and apply over the phone and tell them your school wasn't on the list. I'm sure they don't require a university over a community college. I did see some community colleges on the list when I just looked.
07-02-2012 11:50 PM
My experience with Discover hasn't been that good. I got denied four times with them that I actually decided to stop apping with them. AMEX approved me for two cards and they're known for how difficult it is to get a card with them. I tried to recon with Discover but I had some lates on my TransUnion report that they couldn't overlook.
07-03-2012 02:53 PM
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO