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Valued Contributor
SnackTrader
Posts: 1,563
Registered: ‎09-15-2012

Re: Discover as first card???

Eagles,

Do you happen to know what else was on her credit reports at the time?

In My Wallet: Amex BCP (12/12) $22.200, Chase CSP (4/14) $12,000, Barclaycard Arrival (5/13) $10,500, Citi Forward (12/12) $9,600, Cap1 Cash Rewards (6/12) $9,000, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Valued Contributor
Gunnar419
Posts: 1,117
Registered: ‎01-23-2013

Re: Discover as first card???

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.

 

Valued Contributor
jsucool76
Posts: 2,770
Registered: ‎12-11-2011

Re: Discover as first card???

A buddy of mine got the IT as his first card a couple months ago.
Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 2000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Regular Contributor
eagles08
Posts: 220
Registered: ‎04-24-2013

Re: Discover as first card???

@SnackTrader, I'm not exactly sure. I think her mom has her as an authorized user on her discover but like I said, not really sure.
Current Scores: EQ 728 FAKO PLUS CreditScore. EX 730 Lender Pull. TU - 741 FAKO PLUS CreditScore

****NPSL**********$6,000**********$4,500************$3,500*********$3,000*********$1,900***********$1,800*******$1,000****
Frequent Contributor
OptimasPrime
Posts: 348
Registered: ‎08-17-2012

Re: Discover as first card???

[ Edited ]

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.

EQ 778 | TU 776
Barclay US Airways WMC 7.5k | BCE 5.8k | BofA Travel Rewards 9.1k | Chase Marriott Premier 13k | Citi TYP WMC 6.5k | Freedom Visa Sig 8k| Discover it 10k
Valued Contributor
SnackTrader
Posts: 1,563
Registered: ‎09-15-2012

Re: Discover as first card???

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?

In My Wallet: Amex BCP (12/12) $22.200, Chase CSP (4/14) $12,000, Barclaycard Arrival (5/13) $10,500, Citi Forward (12/12) $9,600, Cap1 Cash Rewards (6/12) $9,000, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Frequent Contributor
OptimasPrime
Posts: 348
Registered: ‎08-17-2012

Re: Discover as first card???

[ Edited ]

SnackTrader wrote:
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

EQ 778 | TU 776
Barclay US Airways WMC 7.5k | BCE 5.8k | BofA Travel Rewards 9.1k | Chase Marriott Premier 13k | Citi TYP WMC 6.5k | Freedom Visa Sig 8k| Discover it 10k

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