myFICO® Forums
Help
cancel
Turn on suggestions
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Showing results for 
Search instead for 
Did you mean: 

Discover It Student approved, new to USA, what next?

tag
Get Access Now
Anonymous
Not applicable
‎03-23-2015 08:03 AM
‎03-23-2015 08:03 AM

Discover It Student approved, new to USA, what next?

Hi, I had moved to the USA last july and had trouble aquiring credit.

 

My wife added me to her US Bank with a CL of $15k as an AU. I then applied 2 months later for the Amazon Chase Credit Card but got declined (they pulled Experian, maybe TU). I then called up and they did a recon and declined it again. Their reason was few revolving accounts, and not enough accounts.

 

I then applied for Discover It Student card and got approved with a CL of $500 (super low as I bill $2000ish a month to the US Bank one).

 

My Experience score is 773 (FICO score through my bank) and my Equifax score is 741 (FICO score through myFICO score watch). I don't know my TransUnion one. These scores don't include my new Discover card on them yet.

 

No one has pulled my Equifax score yet. I have a couple of pulls on my Equifax: Braintree( Credit Card Processing for business), Chase (Amazon card - declined) and Discover (approved).

 

What should I do next, how to get a higher CL of my Discover and when should I apply for other cards and what type of card should I apply for?

 

Also when will they stop asking me to verify details everytime I apply? I had to scan my SSN Card and my Drivers Licence for Discover.

Message 1 of 6
0 Kudos
5 REPLIES 5
orestrus
Frequent Contributor
‎03-23-2015 11:18 AM
‎03-23-2015 11:18 AM

Re: Discover It Student approved, new to USA, what next?

Who except for discover asked you to verify details? They dont usually do that..
BofA 5k, Cap 1 Journey 300, Cap 1 QS1 300, Walmart 6k,
Amex BCE 2000, Amex PRG, Amex Delta Gold 2k, Macy's 5k, Bloomies 6k, Amazon 6k, JCP 5k Macy's Amex 1.5k,
Message 2 of 6
0 Kudos
Anonymous
Not applicable
‎03-23-2015 11:19 AM
‎03-23-2015 11:19 AM

Re: Discover It Student approved, new to USA, what next?

Braintree, actually Chase didn't but I assumed it was because my details had been used with Amazon.com for a long time.

Message 3 of 6
0 Kudos
ojefferyo
Valued Contributor
‎03-23-2015 03:25 PM
‎03-23-2015 03:25 PM

Re: Discover It Student approved, new to USA, what next?

You can ask for a CLI on your Discover at 90 days. Sometimes they give auto CLI before the 90 days is up.

Amex Platinum, Amex Hilton HHonors Surpass, Chase Southwest Premier, Chase Marriott Rewards Premier, Discover IT, Sony Visa, Barclay Arrival+ MC, Cabela Visa, Walmart SC, Amazon SC, Kohls, Diners Club Premier, PayPal Credit, PenFed Platinum Reward Visa, PenFed PLOC, Chase Ritz Carlton, Citi TY Premier, Amex BCP, Discover Miles, Care Credit, Blue Nile SC, iComfort SC, Cap1 Venture, Chase Hyatt, Lowes, US Bank Cash+, Citi Costco Visa
Message 4 of 6
0 Kudos
newhis
Valued Contributor
‎03-23-2015 04:34 PM
‎03-23-2015 04:34 PM

Re: Discover It Student approved, new to USA, what next?

My DW started a year ago from 0 credit (not even AU) with only Discover IT Student and BoA Cash Rewards secured card, both at $500. Now she has cards at 5k but the discover still at $500, don't want to waste a HP for a limited increase.

 

Amex like clean reports. Chase remove all AU cards to make a decision, so don't apply for Chase until you have more than 1 year with your own cards.

 

If your SSN is less than 2 years old, then some lenders will ask for it and DL. Don't know if that is the problem. Do you have your credit reports?

Message 5 of 6
0 Kudos
Anonymous
Not applicable
‎03-23-2015 05:29 PM
‎03-23-2015 05:29 PM

Re: Discover It Student approved, new to USA, what next?

My SSN was issued on July 2014.
Message 6 of 6
0 Kudos
† Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.