topic Re: Discover More VS Discover More Student in Credit Cards

Discover More VS Discover More Student

Anonymous — Sat, 04 Feb 2012 22:01:20 GMT

Hello everyone!

It's that time again where I have been gardening for over a year now and would like a few great cards in my wallet!

I turn 21 in April, and am currently a student as well as employed, I used to always apply for the Discover More card and was denied (I was maxed out and had a ton of INQs, I'm sure most of us have been there).

I called the recon center once and was told that Discover More and Discover More Student are the same card, they are treated the same way when it comes to CLI or APR except they're more 'lenient' with the Student card.

Is that true? Should I just apply for the Student card to be safe?

Here is my credit info:

I. AAoA: 2.5 years

II. No Baddies whatsoever

III. INQs (1 year span):

(EQ) 2 *8 months old.*

(EX) 0

(TU) 2 *8 months old.*

IV. 20% UTL rate

V. Fako scores;

(EQ) 685

(EX) 698

(TU) 710

Re: Discover More VS Discover More Student

frogfan12 — Sat, 04 Feb 2012 22:09:26 GMT

If you apply for the student card, you will be PCed when you graduate. I think it's a win-win situation.

Re: Discover More VS Discover More Student

Anonymous — Sat, 04 Feb 2012 22:14:09 GMT

@frogfan12 wrote:
If you apply for the student card, you will be PCed when you graduate. I think it's a win-win situation.

Oh perfect! So you can product change?

I'm always nervous applying, I don't know if I stand a chance. I guess I have to pull the 'trigger'.

I wonder, would Discover More give a better credit limit than the Student card?

Re: Discover More VS Discover More Student

frogfan12 — Sat, 04 Feb 2012 22:24:59 GMT

Usually student cards end up being upgraded to their non-student equivalent...or at least they have been in my experience.

Student cards typically have lower limits than regular CCs. But I'm not really sure to be honest.

Re: Discover More VS Discover More Student

CS800 — Sat, 04 Feb 2012 22:27:51 GMT

@frogfan12 wrote:
Usually student cards end up being upgraded to their non-student equivalent...or at least they have been in my experience.

Student cards typically have lower limits than regular CCs. But I'm not really sure to be honest.

Re: Discover More VS Discover More Student

Anonymous — Sun, 05 Feb 2012 03:28:49 GMT

@frogfan12 wrote:
Usually student cards end up being upgraded to their non-student equivalent...or at least they have been in my experience.

Student cards typically have lower limits than regular CCs. But I'm not really sure to be honest.

Yup, and they're typically easier to approved for. Not all student cards are automatically PCed though.

Re: Discover More VS Discover More Student

LTomBerry — Sun, 05 Feb 2012 03:35:34 GMT

Don't expect a spectacular CL from Discover either way, they tend to be a little stingy. 2 yrs and I am still at $4k with them, despite having two other cards with $14k & $21k.

Re: Discover More VS Discover More Student

Anonymous — Sun, 05 Feb 2012 03:44:57 GMT

Thank you everyone for your guys' responses! I couldn't have done it without you!

And those are some hefty credit lines LTomBerry! I wish I had those, who are the lenders?

Thanks again everyone!

Re: Discover More VS Discover More Student

LTomBerry — Sun, 05 Feb 2012 03:50:11 GMT

@Anonymous wrote:
Thank you everyone for your guys' responses! I couldn't have done it without you!

And those are some hefty credit lines LTomBerry! I wish I had those, who are the lenders?

Thanks again everyone!

USAA and Amex BCP. Keep in mind that's with a 780ish score and 6 yrs AAoA so it didn't get there overnight.

Re: Discover More VS Discover More Student

Anonymous — Sun, 05 Feb 2012 03:52:33 GMT

Oh of course! That's really great though, I hope I can achieve that same status myself one day!

Re: Discover More VS Discover More Student

Juan123 — Sun, 05 Feb 2012 14:29:56 GMT

i've had the student more card since i was 18.... graduated last year and called earlier this year to see if they PC since i graduated. the supervisor said they don't since its the same card just easier to get approved for (didnt make sense to me) but i guess they dont pc after graduation.... maybe i should call and speak to someone else.

btw my CL has been $500 for those 4 years. even tho my score has gone up.

Re: Discover More VS Discover More Student

CS800 — Sun, 05 Feb 2012 16:45:41 GMT

Looks like i should be happy with a CL of $6500 on my Discover More

Re: Discover More VS Discover More Student

Anonymous — Sun, 05 Feb 2012 17:17:01 GMT

I applied for the DM Student version 15 or 16 months ago. They started me off at $500. After 6 months raised it to 750, then After 9 months 1,000 and finally after 1 year they raised it to 2,500. Haven't recieved any more auto CLI's since.

I am happy with the product!