Discover It for Student Odds?

[Anonymous]

Hi, I'm interested in applying for a Discover card, but I'm not sure I should bother?

I'm 19, unemployed full-time student. My tuition/housing/board is paid for by my school via scholarships/financial aid (~$58k/year), and I get an allowance of $3,000/year from my school direct-deposited in my Chase checking account for books/travel/misc. expenses. Can I list any of these figures as income?

My credit file is relatively thin:

Chase Freedom ($500) Jul14

UMCU Visa (my college's CU) ($1,000) Sep14

Chase Amazon Visa ($500) Feb15

Don't know and don't want to pay for my FICO scores, but I have always PIF with nothing bad on my reports (2-4 inquiries each bureau). Total util usually hovers around 10%.

Due to such a thin/short file and lack of income, should I just not bother applying? 

[Anonymous]

Yeah, you should be able to list those things as your income as long as you have proof in paper. My sister, who's also 19, also applied for the Discover It card with a similar profile to yours (AAoC of 1 year, TU score in the 690s) and was approved for $1,500. This was for the regular card. You could play it safe and apply for the student card. Discover seems to like clean profiles, so yours definitely fits the bill.

[Anonymous]

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@Anonymous wrote:

Yeah, you should be able to list those things as your income as long as you have proof in paper. My sister, who's also 19, also applied for the Discover It card with a similar profile to yours (AAoC of 1 year, TU score in the 690s) and was approved for $1,500. This was for the regular card. You could play it safe and apply for the student card. Discover seems to like clean profiles, so yours definitely fits the bill.

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Thanks for the advice! So you think I have a shot?

Would I list income as "$3,000" and monthly rent as "$0" since it's paid for already? 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Yeah, you should be able to list those things as your income as long as you have proof in paper. My sister, who's also 19, also applied for the Discover It card with a similar profile to yours (AAoC of 1 year, TU score in the 690s) and was approved for $1,500. This was for the regular card. You could play it safe and apply for the student card. Discover seems to like clean profiles, so yours definitely fits the bill.

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Thanks for the advice! So you think I have a shot?

Would I list income as "$3,000" and monthly rent as "$0" since it's paid for already? 

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I can't say for sure. It'll vary by the credit card provider too. Your best shot would be to contact Discover to see how you should go about listing your income, but what you said seems about right.