05-10-2013 10:46 PM
In The Garden!
05-11-2013 06:08 AM
Discover was my first card, but as with webhopper, that was a long time ago, before there was an It, before there was a More, when it was just a Discover card, before credit scoring systems ruled the world.
05-11-2013 07:03 AM
05-11-2013 10:16 AM
05-11-2013 12:09 PM - edited 05-11-2013 12:12 PM
My younger brother (who is 18) got approved for the it student with no file whatsoever, not even student loans reporting. 500 cl that has since been upped to 800 via auto cli within 4 months of opening if memory serves.
edit- just realized it was actually the discover more student card and has since been pc'ed to the it. Don't really think there is an appreciable difference in underwiriting between the two though.
05-11-2013 12:13 PM
In The Garden!
05-11-2013 12:27 PM - edited 05-11-2013 12:27 PM
Wow, Optimas! $500 isn't much, but this is the first i heard of with NO previous history.
You didn't even have him as an AU on any of your cards?
Nope, not an au although in hindsight that wouldn't have been a bad idea. It wasn't an instant approval though, it took a couple days for them to verify student status
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