topic Re: Discover Card in Credit Cards

Discover Card

Anonymous — Fri, 29 Jun 2012 16:05:27 GMT

Does anyone know how much credit history you need for a discover more card. Right now i have 8 months of credit history with a bank of america secured credit card $600 dollars limit (opened 10/11). I am a college student with about 5k income.

Re: Discover Card

Anonymous — Fri, 29 Jun 2012 16:27:08 GMT

App for Discover for Student. Made for the limited credit history college student. Also, remember to include any scholarships etc in income.

Re: Discover Card

Anonymous — Fri, 29 Jun 2012 16:46:48 GMT

i got denied by discover so many timed that they actually blocked me for a year! I would suggest applying for a Cap1 card. They are horrible with credit limits and CLI, but at least it will give you a more diverse credit file. I carried 2 Cap1 cards for about a year before I applied for another card (Chase Freedom) and got instantly approved. Once I got more cards I just closed 1 of the Cap 1 accounts. I found that by having several cards, rather than 1, I was able to get approved for other cards easily.

on a side note, my friend just applied for the Cap1 student rewards card and got approved for a 1k limit. He had HORRIBLE credit history an income slightly higher than yours. Might be worth checking out - heres the link:

http://www.capitalone.com/creditcards/journey-student-rewards-credit-card/a/?linkid=WWW_1010_CARD_TGUNS15_CCBRWSTU_C3_24_T_CP35609AW

Re: Discover Card

Anonymous — Fri, 29 Jun 2012 16:50:53 GMT

OP, if college student with income, app for the student cards and make sure you are using the student link. Major issuers with student cards: Discover, Citibank, Wells Fargo, and Capital One. Feel free to go for multiple ones and please don't get in trouble with them (ie. Pay in Full every month) as bad credit is worse than no credit.

Re: Discover Card

jsucool76 — Fri, 29 Jun 2012 16:51:30 GMT

I got denied for the discover more card with no history, and I applied through a mail pre-approval offer. and +1 to Crashem's comment. You're allowed to use any scholarships or grants in your personal income when applying for a credit card since you don't have to pay them back.

Re: Discover Card

Anonymous — Fri, 29 Jun 2012 18:15:42 GMT

I applied for chase freedom this month and got denied because of limited credit history. I applied for discover student card in August 2011 and it took them 3 months to send me a letter with the reason why I am denied. I was looking at getting the discover more card and reapply for chase freedom next year when I have 2 years of credit history. I only want 2-3 cards until I get my bachelors degree.

Re: Discover Card

Anonymous — Fri, 29 Jun 2012 18:48:18 GMT

supersam, i am not sure why you are applying to cards that aren't student cards. huge mistake in your case and just making it harder for you to get student cards.

Re: Discover Card

Anonymous — Fri, 29 Jun 2012 18:55:15 GMT

So you think it is a good idea to apply or the discover student card. Can the discover student card be convert to a discover more card when the time comes.

Re: Discover Card

Anonymous — Fri, 29 Jun 2012 18:59:29 GMT

Supersam, very little difference between discover more and discover more for students aside from limits and credit approval process. There is no real conversion process as essentially same card. But you have hurt yourself with needless inquiries. App for Discover student if you like. Also look at the other student cards I listed earlier. And stop apping for regular credit cards.

Re: Discover Card

PokemonMaster — Fri, 29 Jun 2012 20:27:26 GMT

I applied for my Discover More for Students card when I had about 8 months of total credit history and I had two cards at the time. I received a message after applying telling me to call the 1800 number. They asked me a few security questions and then approved me for a 3k CL.

Obviously this is not a guarantee but if you really want the card it's possible to get it with little credit history.

Re: Discover Card

Anonymous — Fri, 29 Jun 2012 20:36:24 GMT

I applied for this card with 7 months of credit history and was denied. I recently applied again with 10 months of history and was approved. My utilization was at 18% on my 1K limit credit union student visa. I was also approved for a Citi Forward with a much higher limit at the same time, so I would look into that as well. Discover customer service has been amazing so far!

Re: Discover Card

Anonymous — Fri, 29 Jun 2012 23:07:39 GMT

Alright I guess I will apply next month. The only hard inquiry's on my credit report is sprint and chase. Fastfire was it a instant approval or what

Re: Discover Card

Anonymous — Mon, 02 Jul 2012 22:44:22 GMT

I did some research and it looks like you have to be enrolled in a university to get the discover more student. Right now I am currently in community college. My fako are eqifax 718 , experian 737 and transunion 734. What are my odds of getting a discover more card with my income and 8 months credit history.

Re: Discover Card

Eschaton — Mon, 02 Jul 2012 23:14:54 GMT

@Anonymous wrote:
on a side note, my friend just applied for the Cap1 student rewards card and got approved for a 1k limit. He had HORRIBLE credit history an income slightly higher than yours. Might be worth checking out - heres the link:

http://www.capitalone.com/creditcards/journey-student-rewards-credit-card/a/?linkid=WWW_1010_CARD_TGUNS15_CCBRWSTU_C3_24_T_CP35609AW

That's the card I started with as well and it's treated me great. The only thing I don't like about it, is that they did 3 hard pulls, but it's a price worth paying for getting your credit started, I had no credit and I was so glad I started with an unsecured card. But I would look at your other options and feedback from the community from other issuers, I had no knowledge when I applied.

Re: Discover Card

Anonymous — Tue, 03 Jul 2012 01:28:54 GMT

@PokemonMaster wrote:
I applied for my Discover More for Students card when I had about 8 months of total credit history and I had two cards at the time. I received a message after applying telling me to call the 1800 number. They asked me a few security questions and then approved me for a 3k CL.

Obviously this is not a guarantee but if you really want the card it's possible to get it with little credit history.

Same thing happened to me. Except it was a Discover More.

Re: Discover Card

jsucool76 — Tue, 03 Jul 2012 02:41:38 GMT

@Anonymous wrote:
I did some research and it looks like you have to be enrolled in a university to get the discover more student. Right now I am currently in community college. My fako are eqifax 718 , experian 737 and transunion 734. What are my odds of getting a discover more card with my income and 8 months credit history.

Open up the application online (you don't need to fill it out now) but look at the "Select your school" option and see if your school shows up. If not, when you want to apply just call up and apply over the phone and tell them your school wasn't on the list. I'm sure they don't require a university over a community college. I did see some community colleges on the list when I just looked.

Re: Discover Card

CreditPacMan — Tue, 03 Jul 2012 06:50:04 GMT

My experience with Discover hasn't been that good. I got denied four times with them that I actually decided to stop apping with them. AMEX approved me for two cards and they're known for how difficult it is to get a card with them. I tried to recon with Discover but I had some lates on my TransUnion report that they couldn't overlook.

Re: Discover Card

Anonymous — Tue, 03 Jul 2012 21:49:46 GMT

Thank you guys for help. I applied for the student discover more and i was instantly approved for $1,500 boy.

Re: Discover Card

webhopper — Tue, 03 Jul 2012 21:53:24 GMT

Congrats! Discover is a great card! Welcome to the discover family!