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So last week I decided to go ahead and apply for the Discover IT Student. I was approved and yesterday my card came in the mail. I looked at my limit which was 1500 but my favorite part was the APR which is only 13.99%! Even though I don't carry balances this APR is almost half of my Capital One and I thought for sure it would take years for me to get an interest that is sub of 16/17%. If I do need to carry a balance after the intro 0% I wouldn't really mind doing it with this card. I am really happy for that considering my credit history consists of student loans reporting for about two years and my capital one card for 10 months. My TU Fico was 725 according to the letter.
Congrats
@MrPickleton wrote:So last week I decided to go ahead and apply for the Discover IT Student. I was approved and yesterday my card came in the mail. I looked at my limit which was 1500 but my favorite part was the APR which is only 13.99%! Even though I don't carry balances this APR is almost half of my Capital One and I thought for sure it would take years for me to get an interest that is sub of 16/17%. If I do need to carry a balance after the intro 0% I wouldn't really mind doing it with this card. I am really happy for that considering my credit history consists of student loans reporting for about two years and my capital one card for 10 months. My TU Fico was 725 according to the letter.
Congrats. May I ask what your profile looks like?
Congrats on a great card
@WarJar101 wrote:
@MrPickleton wrote:So last week I decided to go ahead and apply for the Discover IT Student. I was approved and yesterday my card came in the mail. I looked at my limit which was 1500 but my favorite part was the APR which is only 13.99%! Even though I don't carry balances this APR is almost half of my Capital One and I thought for sure it would take years for me to get an interest that is sub of 16/17%. If I do need to carry a balance after the intro 0% I wouldn't really mind doing it with this card. I am really happy for that considering my credit history consists of student loans reporting for about two years and my capital one card for 10 months. My TU Fico was 725 according to the letter.
Congrats. May I ask what your profile looks like?
I have two accounts
1 Student Loan Paid As Agreed-deferred opened 08/2011
1 Capital One CC Limit 750 Opened 06/2012 util at application was about 3%
Income is about 12.5K
Only two inquiries in the past 12 months, 1 Amex, 1 Cap1, 3rd is this one
Thanks for the congrats guys.
@MrPickleton wrote:
@WarJar101 wrote:
@MrPickleton wrote:So last week I decided to go ahead and apply for the Discover IT Student. I was approved and yesterday my card came in the mail. I looked at my limit which was 1500 but my favorite part was the APR which is only 13.99%! Even though I don't carry balances this APR is almost half of my Capital One and I thought for sure it would take years for me to get an interest that is sub of 16/17%. If I do need to carry a balance after the intro 0% I wouldn't really mind doing it with this card. I am really happy for that considering my credit history consists of student loans reporting for about two years and my capital one card for 10 months. My TU Fico was 725 according to the letter.
Congrats. May I ask what your profile looks like?
I have two accounts
1 Student Loan Paid As Agreed-deferred opened 08/2011
1 Capital One CC Limit 750 Opened 06/2012 util at application was about 3%
Income is about 12.5K
Only two inquiries in the past 12 months, 1 Amex, 1 Cap1, 3rd is this one
Thanks for the congrats guys.
You have a great credit profile! No wonder you go such favorable terms! Congratulations!!!