topic Re: Advice for a second card application in Credit Card Applications

Advice for a second card application

Anonymous — Sun, 24 Nov 2019 00:57:21 GMT

Hi everyone, I'm currently a college student (21 y.o.) and I opened my first card last July with Petal, $750 SL. I learned that Petal apparently doesn't offer CLIs so I'm not sure how to increase my limit without opening a new account, so I'm looking for a second card now, probably a student card. Income is $18K if I can include parents' contributions to education, $5K otherwise. 669 TU 668 EQ 684 EX, under 30% util, 100% on-time payments. I'm considering the Discover IT Student Cashback or the CapOne Journey Student since I want something that will grow over time. I have a pre-qual offer from Discover but not CapOne. Which do you think I should apply for, or neither, or both, or something else entirely?

Re: Advice for a second card application

Anonymous — Sun, 24 Nov 2019 01:07:24 GMT

I wouldn't hesitate to get the Disco. It's a great card that'll grow with you.

Re: Advice for a second card application

Jnbmom — Sun, 24 Nov 2019 01:23:45 GMT

@Anonymous wrote:
I wouldn't hesitate to get the Disco. It's a great card that'll grow with you.

+1

I would definitely go with discover over cap one.

Re: Advice for a second card application

Mv350 — Sun, 24 Nov 2019 01:25:00 GMT

I have the Disco student cash back card and I love it. After the 6th statement cut I woke up to a Auto CLI, of course everyone is different, but I have some old collections from 2014 and they still show me luv.

I say go for discover, great so far, and customer service is really easy to talk to.

Re: Advice for a second card application

soxfaininfl — Sun, 24 Nov 2019 09:34:28 GMT

Go for the Discover. They have great credit cards and a lot to choose from once your in with them. Go for the Discover also since your prequalified, and avoid a hard pull for a decline with Capital One. Capital One also does the dreaded 3 credit bureau hard pull. Discover should only be 1 hard pull on Trans Union.

Re: Advice for a second card application

Anonymous — Sun, 24 Nov 2019 10:00:55 GMT

@soxfaininfl wrote:
Go for the Discover. They have great credit cards and a lot to choose from once your in with them. Go for the Discover also since your prequalified, and avoid a hard pull for a decline with Capital One. Capital One also does the dreaded 3 credit bureau hard pull. Discover should only be 1 hard pull on Trans Union.

It may be any of the three. I'm in NY and Disco pulled EQ for me.

Re: Advice for a second card application

soxfaininfl — Sun, 24 Nov 2019 15:51:10 GMT

@Anonymous wrote:
@soxfaininfl wrote:
Go for the Discover. They have great credit cards and a lot to choose from once your in with them. Go for the Discover also since your prequalified, and avoid a hard pull for a decline with Capital One. Capital One also does the dreaded 3 credit bureau hard pull. Discover should only be 1 hard pull on Trans Union.
It may be any of the three. I'm in NY and Disco pulled EQ for me.

In Florida, it's been consistently Trans Union every time I check the prequalified site. I've checked countless times. They always send me a letter that they SP pulled, TU.

Re: Advice for a second card application

Anonymous — Sun, 24 Nov 2019 16:07:06 GMT

Yup I don't doubt it. Many banks pull different bureaus based on regions of the US.