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Approved - Discover Student Rewards

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nytokyobred79
Valued Contributor

Re: Approved - Discover Student Rewards

Congratulations on getting back in with Discover 😊

Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus
Total Revolving CL- about $240K | Order of Opened Cards
Delta SkyMiles Blue- SL-$1K | CL- $22.6K
Delta SkyMiles Reserve- SL- $10K | CL- $20K
Chase Sapphire Reserve- SL $20 | CL- $12K
Cap 1 Savor(pc’d from Venture Rewards)- SL $10K | CL $ 21.5K
Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around )
Chase Freedom Unlimited: SL $23.4K| CL $72K
BOA Unlimited Cash SL: $20.8K| CL $15K moved some limits around)
BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around)
Amex Blue Cash Preferred SL: $10K
Amex Green Card: NPSL / POT: 17K
BOA BankAmericard: SL: $5K | CL: $30K
U.S. Bank Shield Visa SL: $500, successfully manually reconned to $15K
Message 11 of 18
pip3man
Valued Contributor

Re: Approved - Discover Student Rewards

Congrats on the approval! Was Discover included in your CH7?

Message 12 of 18
kr43002
Frequent Contributor

Re: Approved - Discover Student Rewards


@pip3man wrote:

Congrats on the approval! Was Discover included in your CH7?


Yes, I IIB for around $1900. Back when 2020 hit and I lost my job I had setup a payment plan and kept them current up until I declared BK. 

BK CH7 1/21 DC 5/21
1+ Year Post BK
Credit Limit: 6000
EDC: QuickSilver 1 1.5% $39 AF
Oldest Account: Tire Card $500 0% APR 6 Months After purchase. 2018. (Survived Bankruptcy)
Message 13 of 18
kr43002
Frequent Contributor

Re: Approved - Discover Student Rewards

UPDATE

I have been asked for sign form 4506-C so they can look at my 2020 and 2021 tax transcripts. 

From what I have read on here it is for income verification. 

When I called them (twice) they stated it is just to verify my identity. Strange.

I have had a bank account with them since I was 18 (my first bank account actually) and a credit card for almost 3 years. 

My biggest concern is the fact in 2021 my income was less than 1/3 of what I stated on my application. I can easily verify my income with paystubs/bank statements but both agents declined. 

BK CH7 1/21 DC 5/21
1+ Year Post BK
Credit Limit: 6000
EDC: QuickSilver 1 1.5% $39 AF
Oldest Account: Tire Card $500 0% APR 6 Months After purchase. 2018. (Survived Bankruptcy)
Message 14 of 18
kr43002
Frequent Contributor

Re: Approved - Discover Student Rewards

Update:

Signed everything needed couple days ago for the verification process. Just recieved an email saying the process has been completed the hold on the account has been lifted.

I got the card on Wensday, so a total of 3 business days from approval.

Card came with an $800 Cash Limit.

 

Excited for the unlimited cash back match for the first year. didn't know about it on the first account. Time to churn the hell out of this card.

BK CH7 1/21 DC 5/21
1+ Year Post BK
Credit Limit: 6000
EDC: QuickSilver 1 1.5% $39 AF
Oldest Account: Tire Card $500 0% APR 6 Months After purchase. 2018. (Survived Bankruptcy)
Message 15 of 18
MySunrise271
Established Contributor

Re: Approved - Discover Student Rewards

Congratulations on your Discover approval🎉🎉🎉

Message 16 of 18
FicoComeback2018
Established Member

Re: Approved - Discover Student Rewards

Outstanding!🍾

Message 17 of 18
2b2rich
Established Contributor

Re: Approved - Discover Student Rewards

Congrats!  There is hope for me yet. I burned them for a little more than you did, but I don't know how much difference that makes. 

Chapter 7 Discharged & Closed Jan 2020
Message 18 of 18
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