@newhis wrote:
@Anonymous wrote:Yup, that's what got me thinking and wanting to get to the bottom of this....and I see, I only read the student part gives you student invitation.
I did put a grad date, but I changed it in my profile to last year so I could get out of the student status. Why would they deny?
I don't know. Is my pessimistic personality. If they have something wrong with their system that put a mark on a student card to limit the growth, I don't know if they have something else in place that will limit the chance for approval. I hope not, and maybe not, but nothing is 100% sure.
Your credit profile is not the typical 18/19 year old profile. I read that age is not a factor on FICO but I don't know if some lenders have some variable in their system to use that as a risk factor.
In the end, don't listen to me. I don't want to hold you back. You have a great income, very good cards and just starting your own journey. If you get a new Discover card without limit growth 1 year later will be better for you than wait a few years to take that step.
My DW got 500->3,000 with auto-CLI after 1 year and nothing at year 2. So I say, go for your second Discover and good luck.
Unfotunately slow growth is not exclusive to student cards. I know folks have had success with growing their IT credit limits. However, there are still folks, like myself, that haven't been so lucky.
I'm not saying you should or shouldn't apply for another IT, but do your research. You are at the beginning of your credit journey and all of your cards will grow as long as you use your credit wisely. Remember a long, solid, and excellent credit profile is a journey not a race. Good luck!
I can now confirm that my Discover It is still flagged in some way as a student card despite what those CSRs say on the phone. My 3 month old Discover It Miles (not a student card) just received a SP CLI, which I have never seen in the 4 years I've had my Discover More/It (student) card. As usual, it has the same HP message that has always appeared for years now. I think what I will probably attempt to do is close out my regular Discover It and product change the It Miles once its promo period is finished, if permitted.
It might be difficult for Takeshi to believe, but sometimes there are factors outside of the cardholder's control when it comes to cards that simply don't grow to useable limits. There's clearly some kind of cap or limitation implemented in Discover's system for student cards that even the CSRs can't view, or they refuse to acknowledge.
Kdm, with all due respect, it obviously isn't "clear" if there are so many recent inquiries about it. Nobody is stressing about anything, and we are simply discussing a topic that is relevant and important to those affected as there has been misinformation provided by Discover themselves. The only individuals forcing anything are those who are choosing to post in a thread that probably doesn't apply to them anyway.
