topic Re: Discover It Student Graduation in Credit Cards

Discover It Student Graduation

josh1 — Mon, 22 Oct 2018 03:54:25 GMT

I was recently approved for the Discover It student cash back card. I've tried to look around what happens once you graduate from college, but haven't really been able to find a firm answer. I have seen some people say that once your estimated graduation date occurs, the one you put when applying, they just auto convert the card to a regular card. I have a hard time believing that because some people end up taking longer to graduate than their expected date, but maybe you have to update it once you know?

I'd also love to know about anyone's experiences with CLI on the student card. I hear very varied reports on their standard cards, but I know they don't like to give huge limits on the student cards.

Re: Discover It Student Graduation

Anonymous — Mon, 22 Oct 2018 04:05:09 GMT

Graduate to what? The only difference with student cards is they start relatively low and grow slower than normal ones. They probably treat it like a normal discover it when you graduate but on your end nothing changes except they might increase you limit by a sizeable amount if you were a good customer.

I have the student one and used it for most expenses, i'm on a 60 day cycle with them, cli's started on the low side and the got a little bigger each time.

Re: Discover It Student Graduation

Anonymous — Mon, 22 Oct 2018 04:14:19 GMT

When you graduate from school, your card will become the “regular” Discover.

Re: Discover It Student Graduation

josh1 — Mon, 22 Oct 2018 04:36:09 GMT

By graduate, I am referring to college. I know the card is almost the exact same, but technically speaking the student card and regular card are different. Mainly the credit limit increases and also the regular card has quite a few more options for card designs. The main one I am concerned about is credit limit increases, but I do kinda like the gold card design that you can't get on the student version.

Re: Discover It Student Graduation

Anonymous — Mon, 22 Oct 2018 04:59:47 GMT

@josh1

You can get all the same designs on the student versions. There are 2 different Student versions: Chrome or It (aka 5% off categories).

The It has more design options. If you want the It version, call them and request the change.

Re: Discover It Student Graduation

josh1 — Mon, 22 Oct 2018 05:08:32 GMT

@JAG73, maybe we are looking at different things, but the regular It Cash Back has 24 options, while the Student It Cash Back only has 9. Unless there is a loophole around this, but I just think that they give the regular cash back card more options. Oh, also the It is the one I applied for, not the chrome.

Re: Discover It Student Graduation

Anonymous — Mon, 22 Oct 2018 05:15:11 GMT

@josh1 I would either chat or or call them to be sure......my nephew was approved for the student card.

It automatically reverted to the chrome when he was approved. He had limited options on the designs. He changed it to the IT and immediately had every option I have which are 143 design options.

Re: Discover It Student Graduation

josh1 — Mon, 22 Oct 2018 05:21:28 GMT

@JAG73, will do. And for your nephew, do you mean they just moved him right from the student to the regular?

I looked at all the options for each card (Chrome, It, Chrome Student, and It Student) and it seems as though the standard It offers the most, with the student cards and the regular Chrome not offer much. I'll include pictures below of the It vs. It Student.

Maybe once I activate my card and register it online I will have more options, but if so that is a weird way about going about it.

Re: Discover It Student Graduation

Anonymous — Mon, 22 Oct 2018 05:36:31 GMT

They moved him to the Student It. Definitely call when you get your card and activate. He had all the options (143 designs).

Re: Discover It Student Graduation

josh1 — Mon, 22 Oct 2018 05:43:52 GMT

@JAG73, will do. I kinda wish they offered all the options when applying because I would have gone for gold. I also was disappointed when I noticed the purple for the student It is different from the regular It. Honestly, the regular purple looks somewhat cool, but I just don't like the student purple. Thanks for the advice.

Re: Discover It Student Graduation

Anonymous — Mon, 22 Oct 2018 07:49:42 GMT

They have a lot of cool designs now that are subjectively much better than the monochrome versions. When i got the card they had a lot less than they do now and funnily enough they removed the one i have on my card and i just noticed.

You'll see all of them when you ll activate the card but it's kind of weird that they don't offer them upfront .

Re: Discover It Student Graduation

Anonymous — Mon, 22 Oct 2018 11:54:19 GMT

I got through to somebody really knowledgeable at Disco before I applied for the secured card. Keep in mind this was about two years ago.

The rewards are the same, the cashback match is the same. The only difference is UW. It's more forgiving to thin files but, as others here have mentioned, at the cost of being a lower SL and slower CLI's than the regular counterpart. They (again, at that time) do not automatically graduate, and do not have a way to PC because it simply is the same card from the outside.

This is part of why I apped for the secured card directly instead of trying to get the student version with my empty file. I wanted to make sure I ended up with the regular card instead of a nerfed one. (Then again, for a rotating category card, who needs more CL than my siggy shows?)

Re: Discover It Student Graduation

josh1 — Mon, 22 Oct 2018 20:11:58 GMT

@Debit, yeah I didn't really understand why I couldn't see them all while I was applying. I will probably change it soon, unless somehow I like the design I picked, but if they ship it right when I change it it is kind of a waste.

@GrasshopperStudent, at first when I was only preapproved for the student cards I was a bit sad that they didn't preapprove me for the regular card, but honestly, when I think about it it works out for the better with the $20 for good grades. Worse comes to worse I have to pay off my balance multiple times a month to continue spending and keep utilization low. Although, at the end of the day they still gave me $500 more than AMEX did.

I would probably not cold app again, since the first time I did I got denied and 3 HPs from CapOne. I still don't fully understand how I got denied for their Platinum card, considering my credit score was probably in the 700's at the time. I also try to avoid secured, mainly because I don't like doing the deposit. I know that you get it back after they graduate you, but if my money isn't making money for me it is losing money for me.