topic Re: PC from a Student IT to a Regular IT in Credit Cards

PC from a Student IT to a Regular IT

Anonymous — Fri, 13 Dec 2013 17:44:15 GMT

Would it be possible to PC to a Regular IT while still being a student?

Seeing that student cards are often stifled in growth, I would like to PC to the regular IT as quickly as I can to allow it to grow quickly.

Re: PC from a Student IT to a Regular IT

charleeislegend — Fri, 13 Dec 2013 19:40:37 GMT

I believe it automatically upgrades after 2 years

Re: PC from a Student IT to a Regular IT

Anonymous — Fri, 13 Dec 2013 19:51:50 GMT

They might be willing to do a PC, but I'm not sure if it's necessary in order to "grow." Discover gave me 2-3 auto CLIs and more than doubled my credit limit in the first year when I had a student card.

Re: PC from a Student IT to a Regular IT

shane82388 — Fri, 13 Dec 2013 20:41:51 GMT

Granted, I briefly looked a while ago...but i cant really see any difference between the two types of Discover IT cards...?

Anyone point out the differences? Is the Student card just easier to get with less credit history?

Re: PC from a Student IT to a Regular IT

Anonymous — Fri, 13 Dec 2013 22:32:23 GMT

I called them up once. There are no differences except the amount of credit they are willing to give you.

Re: PC from a Student IT to a Regular IT

Anonymous — Fri, 13 Dec 2013 22:49:43 GMT

@Anonymous wrote:
I called them up once. There are no differences except the amount of credit they are willing to give you.

And what was the answer t o the question of how much credit they're willing to give you? I have the student version and was instantly approved for 4K. It's a new account, so I haven't had any CLIs yet. Is there a hard cap on the max CL? If so, what is it?

Re: PC from a Student IT to a Regular IT

Anonymous — Fri, 13 Dec 2013 22:51:18 GMT

@Anonymous wrote:
@Anonymous wrote:
I called them up once. There are no differences except the amount of credit they are willing to give you.
And what was the answer t o the question of how much credit they're willing to give you? I have the student version and was instantly approved for 4K. It's a new account, so I haven't had any CLIs yet. Is there a hard cap on the max CL? If so, what is it?

Most student cc's have cl caps

Re: PC from a Student IT to a Regular IT

Anonymous — Sat, 14 Dec 2013 00:06:10 GMT

@Anonymous wrote:
They might be willing to do a PC, but I'm not sure if it's necessary in order to "grow." Discover gave me 2-3 auto CLIs and more than doubled my credit limit in the first year when I had a student card.

Did you have to call to PC to the regular IT card or was it auto?

Re: PC from a Student IT to a Regular IT

Anonymous — Sat, 14 Dec 2013 01:05:15 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
I called them up once. There are no differences except the amount of credit they are willing to give you.
And what was the answer t o the question of how much credit they're willing to give you? I have the student version and was instantly approved for 4K. It's a new account, so I haven't had any CLIs yet. Is there a hard cap on the max CL? If so, what is it?
Most student cc's have cl caps

I figured that, but do you happen to know what the cap is on the Discover It student? I'm not expecting it to grow to my highest CL (that's what AMEX and my CU is for , but it would be interesting to know what to expect from this card.

Re: PC from a Student IT to a Regular IT

shane82388 — Sat, 14 Dec 2013 01:30:16 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
I called them up once. There are no differences except the amount of credit they are willing to give you.
And what was the answer t o the question of how much credit they're willing to give you? I have the student version and was instantly approved for 4K. It's a new account, so I haven't had any CLIs yet. Is there a hard cap on the max CL? If so, what is it?
Most student cc's have cl caps
I figured that, but do you happen to know what the cap is on the Discover It student? I'm not expecting it to grow to my highest CL (that's what AMEX and my CU is for , but it would be interesting to know what to expect from this card.

My little sister just got one...so im sure she will get some CLI's from the initial $1000 limit...but is she gonna be able to PC it to a "big kid" card?

Re: PC from a Student IT to a Regular IT

Rackham94 — Sat, 14 Dec 2013 04:52:14 GMT

I started with a Discover IT Students I put graduation day 05/13 I opened it on 03/13 started with 500.00 called in and got HP to 2k

Do not know if I can PC to Regular could I possible call in and ask what the CL Cap would be and they can tell me the difference

Re: PC from a Student IT to a Regular IT

Anonymous — Sat, 14 Dec 2013 13:18:20 GMT

@Anonymous wrote:

Most student cc's have cl caps

Lexie, would companies be willing to tell customers what the CL Caps are?

Re: PC from a Student IT to a Regular IT

FinStar — Sat, 14 Dec 2013 21:05:24 GMT

Most lenders will not share this information. They technically would just state the account is not elegible for any additional CLIs since those "caps" are internal and vary by individual. You can have a student CC capped at $1K whereas another student CC with a decent internal profile be capped at $4K as the max. There is likely a maximum threshold but no lender is going to provide that.