Discover IT - Might have unintentionally applied as student -_-

[taxi818]

Now.  op is making me think. Hmmm. I only got 2.5 k. But I don't have card yet. Maybe I can recon for more. Citing. I need more for bt. Even though total debt. 840 bucks. (New computer) haha. I'm expecting card tomorrow. Since was approved last Tuesday.  

[lg8302ch]

---

@Closingracer99 wrote:

---

@lg8302ch wrote:

@Anonymous used to be every 6 months but changed to every 3 months (at least for the regular cards). But chances of a CLI @ 3 months are very slim, @6 months a bit better and for many including me 12+ months to see a result for a CLI.  Remember credit is a marathon and not a race...it takes time to grow so you will need a lot of patiece.  My first limit on my BofA card was 1K and look at how it as grown but that was not overnight..it took years!

---

I had the Discover card for 14 months and no Auto CLI for me  so it's all YMMV.  

Discover only grew on me a bit ... Went from $750 ----> $1,000 -----> $1,500  and took HP's for both 

---

I had no auto-luv either but was "agressively" playing with the luv button and went from 2,5K after 15months to 5K and 3 months later to 7,5K but I was determined not to take a HP for it..(cancelled each time the system asked for HP).... so it might have worked faster for me but I had time to wait and kept trying for SP CLIs.

[Anonymous]

did you app for student or regular? what's your profile if you don't mind - income, history etc

[taxi818]

Who are you asking?

[Anonymous]

---

@taxi818 wrote:

Who are you asking?

---

you, sorry I thought I quoted ^^ lol I didn't check until now - cleaning room

[taxi818]

Well I apped for regular.  I called on phone because I wanted to feel for my chances. 

They pulled my eq. Be caused I asked them to do that one or tu. I told them my experian is In dispute. 

Exp  703

eq 663. Tu 708. 

Income. 44k. 

1baddie. Brighthouse collection. 4 years old but paid. 

[taxi818]

Btw. When I paid collection. I lost 40 points all 3 bureaus. 

[bunnicula]

You can't accidentally get a student card from Discover. They require documentation to prove you are a student. So, you either submitted proof of being a student or you got approved for a regular card. They may have looked at your credit and just approved you for a regular card if you met their underwriting requirements. Discover is known for starting people out with lower credit limits.