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Frequent Contributor
Posts: 283
Registered: ‎03-19-2013
0

Discover It

Can i apply for this card even if your not a student??


*21 Years Old* Started my credit at age 19
Chase Sapphire Preferred Visa Signature- $9,200 II TFCU - $2,500 II Amex BCE - $2,400 II Wells Fargo Cash Back College Card - $1,900 II Paypal Extras Mastercard - $5,600 II American Eagle VISA - $3300 II Best Buy Mastercard - $3,000 II Kay Jewelers - $7,600

Valued Contributor
Posts: 1,919
Registered: ‎11-17-2012
0

Re: Discover It


CarlosC88 wrote:

Can i apply for this card even if your not a student??


Of course Smiley Happy they have a non-student and student version!

Capital One Quicksilver World Mastercard $20k | JCPenney Gold $10k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $13.7k | Discover IT $14.5k | SavingStar American Express $14.8k | American Express BCE $11.3k

FICOS: EX 755 EQ 717 TU 746 VantageScore 3.0: EX 738 EQ 743 TU 745 Credit Sesame (EX) 745 Credit.com (EX) 794 CapOne (TU) 787
Valued Contributor
Posts: 1,339
Registered: ‎09-11-2012
0

Re: Discover It


CarlosC88 wrote:

Can i apply for this card even if your not a student??


Yes, there is a student version and a NON student version.

 

Generally speaking the NON student has higher limit.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
0

Re: Discover It

The non student version has a better introductory offer (14 months no interest)
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Frequent Contributor
Posts: 283
Registered: ‎03-19-2013
0

Re: Discover It

im soooo tempted to apply! Smiley Sad


*21 Years Old* Started my credit at age 19
Chase Sapphire Preferred Visa Signature- $9,200 II TFCU - $2,500 II Amex BCE - $2,400 II Wells Fargo Cash Back College Card - $1,900 II Paypal Extras Mastercard - $5,600 II American Eagle VISA - $3300 II Best Buy Mastercard - $3,000 II Kay Jewelers - $7,600

Contributor
Posts: 148
Registered: ‎03-14-2013
0

Re: Discover It

What are your credit reports like?

Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
0

Re: Discover It

Is there a reason why you shouldn't apply if you are so interested? Smiley Tongue
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Frequent Contributor
Posts: 283
Registered: ‎03-19-2013
0

Re: Discover It

I only know my EQ Fico is at 640. Im waiting for my cards to report cause i recently paid them off, dont want to have a high util when i apply, and i have 5 inqs since july 2012   i dont know if that will hurt my chances. Also no late payments or anything, just high util% that just paid of in full


*21 Years Old* Started my credit at age 19
Chase Sapphire Preferred Visa Signature- $9,200 II TFCU - $2,500 II Amex BCE - $2,400 II Wells Fargo Cash Back College Card - $1,900 II Paypal Extras Mastercard - $5,600 II American Eagle VISA - $3300 II Best Buy Mastercard - $3,000 II Kay Jewelers - $7,600

Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
0

Re: Discover It

Wait for your CR to report your new balances and you should see a decent score increase. You should go for it then! I'm not sure if discover is inquiry sensitive, but 5 seems to be okay. Are they all on eq or tu?
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Frequent Contributor
Posts: 283
Registered: ‎03-19-2013
0

Re: Discover It

Im not sure about TU,  think they are, in CreditKarma it appears as 5.  on my fico EQ it appears as 4


*21 Years Old* Started my credit at age 19
Chase Sapphire Preferred Visa Signature- $9,200 II TFCU - $2,500 II Amex BCE - $2,400 II Wells Fargo Cash Back College Card - $1,900 II Paypal Extras Mastercard - $5,600 II American Eagle VISA - $3300 II Best Buy Mastercard - $3,000 II Kay Jewelers - $7,600

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