topic Capital One Journey Student APPROVED in Credit Card Approvals

Capital One Journey Student APPROVED

Anonymous — Sun, 21 Jul 2013 05:44:20 GMT

Hello all,

I've been lurking these forums for about 2 months, and figured right now would be the best time to register and post.

I am a full-time college student (Senior, in particular) and have never had a credit card before. I have had two jobs in the past, but essentially no real credit history. I decided to apply for a DiscoverIT Student card back in June and was rejected. The reasoning that Discover gave was "Insufficient Credit History" -- this left me bummed.

I decided to call Discover's Backdoor line a few times (thanks myFico!) and that had no significant progress (rep's stated I could not be reconsidered).

Today, after some more lurking around, I decided -- ah, what the heck, I'll give Capital One's Journey Student a try. I've read it's one of the easiest to gets, but then again, I heard Discover was on par as well.

After filling the application, I waited, palms sweaty, for the page to process. And then BAM! It said I was approved! I can't explain the happiness that ran through me, especially since I've talked to many different advisors that stated getting a secured card or a co-signer would be my only options.

The best part? I got a $2,000 credit line.

I'm still in awe as to how I could get denied by Discover for insufficient history, yet get approved with a $2,000 CL.

Anywho - I just wanted to say thank you to all the myFico members. You guys have been a great help to me, and I hope I can positively contribute in the near future.

Re: Capital One Journey Student APPROVED

09Lexie — Sun, 21 Jul 2013 05:47:13 GMT

Welcome to the forum! Congrats on your approval and awesome CL! Don't be discouraged, Discover can be very conservative.

Re: Capital One Journey Student APPROVED

myjourney — Sun, 21 Jul 2013 05:48:23 GMT

@Anonymous wrote:
Hello all,

I've been lurking these forums for about 2 months, and figured right now would be the best time to register and post.

I am a full-time college student (Senior, in particular) and have never had a credit card before. I have had two jobs in the past, but essentially no real credit history. I decided to apply for a DiscoverIT Student card back in June and was rejected. The reasoning that Discover gave was "Insufficient Credit History" -- this left me bummed.

I decided to call Discover's Backdoor line a few times (thanks myFico!) and that had no significant progress (rep's stated I could not be reconsidered).

Today, after some more lurking around, I decided -- ah, what the heck, I'll give Capital One's Journey Student a try. I've read it's one of the easiest to gets, but then again, I heard Discover was on par as well.

After filling the application, I waited, palms sweaty, for the page to process. And then BAM! It said I was approved! I can't explain the happiness that ran through me, especially since I've talked to many different advisors that stated getting a secured card or a co-signer would be my only options.

The best part? I got a $2,000 credit line.

I'm still in awe as to how I could get denied by Discover for insufficient history, yet get approved with a $2,000 CL.

Anywho - I just wanted to say thank you to all the myFico members. You guys have been a great help to me, and I hope I can positively contribute in the near future.

Welcome to the forum

Congrats on the new card and now you know what we go through when we hit the submit button too Lol

Re: Capital One Journey Student APPROVED

chnceit — Sun, 21 Jul 2013 06:13:29 GMT

Congrats and thats a nice starting CL!