Got Discover it Student with limited credit

[GandalfTheGrey]

Hi

I am an international student (moved to the US 6 months ago) and I applied for Chase Freedom because I had a checking a/c with them for about 6 months now but got rejected (recon didn't help either) :/ . I don't have a no credit history I guess and so I was hoping to build one. Some friends got a Citi Fwd/Dividend for students approved without much credit history when they opened checking a/c at Citi. And so I was wondering if it would be worth the hard pull? Is Discover student easier? If neither, what would be a better option? Getting a secured card is the last on my plate. (if it helps - I qualified for an Amex Corporate back in India from my work).

p.s. I am 22.

EDIT: My cousin has been here for the past 7 years and he has a good credit. Should i ask him to get a cc and make me an authorized user instead? Is that helpful in building my credit? Which is a better option?

EDIT2: Got Discover it with 1k CL!

[efranklin23]

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@GandalfTheGrey wrote:

Hi

I am an international student (moved to the US 6 months ago) and I applied for Chase Freedom because I had a checking a/c with them for about 6 months now but got rejected (recon didn't help either) :/ . I don't have a no credit history I guess and so I was hoping to build one. Some friends got a Citi Fwd/Dividend for students approved without much credit history when they opened checking a/c at Citi. And so I was wondering if it would be worth the hard pull? Is Discover student easier? If neither, what would be a better option? Getting a secured card is the last on my plate. (if it helps - I qualified for an Amex Corporate back in India from my work).

p.s. I am 22.

EDIT: My cousin has been here for the past 7 years and he has a good credit. Should i ask him to get a cc and make me an authorized user instead? Is that helpful in building my credit? Which is a better option?

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I would try applying for an AMEX here considering you had one in India. If not, try going to a local credit union and applying for a card. Another ok card would be Cap One Card for Newcomers.

[GandalfTheGrey]

Citi said my chances were less, so I applied to Discover it student card online and uploaded all my documents - on-campus employment, student loan (foreign) and student ID. I called the customer service and the analyst reviewed my application for a couple of minutes and approved me for a 1k CL. And the best part - Discover allows us to choose designs (some of which are nice). The last thing you need is an ugly cc.

[myjourney]

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@GandalfTheGrey wrote:

Hi

I am an international student (moved to the US 6 months ago) and I applied for Chase Freedom because I had a checking a/c with them for about 6 months now but got rejected (recon didn't help either) :/ . I don't have a no credit history I guess and so I was hoping to build one. Some friends got a Citi Fwd/Dividend for students approved without much credit history when they opened checking a/c at Citi. And so I was wondering if it would be worth the hard pull? Is Discover student easier? If neither, what would be a better option? Getting a secured card is the last on my plate. (if it helps - I qualified for an Amex Corporate back in India from my work).

p.s. I am 22.

EDIT: My cousin has been here for the past 7 years and he has a good credit. Should i ask him to get a cc and make me an authorized user instead? Is that helpful in building my credit? Which is a better option?

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Congrats on your approval 

The Amex Corp will not help with approval in the US sorry 

Having someone add you as an AU will help as long as it's a positive account

[gdale6]

Congrats & welcome to the Discover family

[coldnmn]

Congrats! Welcome to the forum and Discover family. Thanks for sharing.

[alvon123]

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@GandalfTheGrey wrote:

Hi

I am an international student (moved to the US 6 months ago) and I applied for Chase Freedom because I had a checking a/c with them for about 6 months now but got rejected (recon didn't help either) :/ . I don't have a no credit history I guess and so I was hoping to build one. Some friends got a Citi Fwd/Dividend for students approved without much credit history when they opened checking a/c at Citi. And so I was wondering if it would be worth the hard pull? Is Discover student easier? If neither, what would be a better option? Getting a secured card is the last on my plate. (if it helps - I qualified for an Amex Corporate back in India from my work).

p.s. I am 22.

EDIT: My cousin has been here for the past 7 years and he has a good credit. Should i ask him to get a cc and make me an authorized user instead? Is that helpful in building my credit? Which is a better option?

EDIT2: Got Discover it with 1k CL!

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congrats