topic Re: Discover It in Credit Cards

Discover It

SteveUrkel — Tue, 02 Apr 2013 21:47:17 GMT

Can i apply for this card even if your not a student??

Re: Discover It

daybreakgonesXe — Tue, 02 Apr 2013 21:48:07 GMT

@CarlosC88 wrote:
Can i apply for this card even if your not a student??

Of course they have a non-student and student version!

Re: Discover It

armbenderc — Tue, 02 Apr 2013 21:48:25 GMT

@CarlosC88 wrote:
Can i apply for this card even if your not a student??

Yes, there is a student version and a NON student version.

Generally speaking the NON student has higher limit.

Re: Discover It

Anonymous — Tue, 02 Apr 2013 21:50:04 GMT

The non student version has a better introductory offer (14 months no interest)

Re: Discover It

SteveUrkel — Tue, 02 Apr 2013 21:50:27 GMT

im soooo tempted to apply!

Re: Discover It

Blurbz — Tue, 02 Apr 2013 21:53:14 GMT

What are your credit reports like?

Re: Discover It

Anonymous — Tue, 02 Apr 2013 21:53:19 GMT

Is there a reason why you shouldn't apply if you are so interested?

Re: Discover It

SteveUrkel — Tue, 02 Apr 2013 21:56:09 GMT

I only know my EQ Fico is at 640. Im waiting for my cards to report cause i recently paid them off, dont want to have a high util when i apply, and i have 5 inqs since july 2012 i dont know if that will hurt my chances. Also no late payments or anything, just high util% that just paid of in full

Re: Discover It

Anonymous — Tue, 02 Apr 2013 22:00:11 GMT

Wait for your CR to report your new balances and you should see a decent score increase. You should go for it then! I'm not sure if discover is inquiry sensitive, but 5 seems to be okay. Are they all on eq or tu?

Re: Discover It

SteveUrkel — Tue, 02 Apr 2013 22:02:44 GMT

Im not sure about TU, think they are, in CreditKarma it appears as 5. on my fico EQ it appears as 4

Re: Discover It

Anonymous — Tue, 02 Apr 2013 22:07:43 GMT

I think you are fine. Getting approved for discover isn't as hard as getting approved for csp or Amex resolvers in my opinion. Your inquiries are an okay number, not considered excessively high. Just wait for your report to update new balances and you should be ok

Re: Discover It

SteveUrkel — Tue, 02 Apr 2013 22:09:56 GMT

can you use Discover anywhere like a visa?

Re: Discover It

09Lexie — Tue, 02 Apr 2013 22:53:35 GMT

Not everyone accepts Discover. Also, you should wait to get your util down. The combination of your low score + high util = denial. IMO.

Re: Discover It

Anonymous — Tue, 02 Apr 2013 23:03:59 GMT

Most big stores like Walmart, best buy, target, etc accept discover. Most of the time u run into problems with Amex and discover at certain mom and pop stores and restaurants. It can vary depending on where you dine and shop.

Re: Discover It

dabrian — Tue, 02 Apr 2013 23:17:55 GMT

What is your current Util?