I'm in need of some guidance.

[Anonymous]

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@Anonymous wrote:

Hi Twas_Sovereign!  I won't be eligible for the Student it card because I goto a community college.  I've heard rumors about being offered a secured card from Discover, but not to everyone.

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I wasn't talking about the student version but the Discover IT card. Discover is a little more relaxed to lending to people with thin files. After reading your posts and seeing some of your baddies I would just try to be patient and wait it out. Once the baddies drop off your scores will jump up a lot higher and it also allows your accounts to age even more. Giving you the best opportunity to apply for prime cards and giving you the optimal chances at being approved. 

[Anonymous]

Yeah I had a dillards amex through them.  I paid the collection agency.  Generic as in everywhere, not one particular place.

[Creditaddict]

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@Anonymous wrote:

Yeah I had a dillards amex through them.  I paid the collection agency.  Generic as in everywhere, not one particular place.

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Vitacost is a MasterCard and also a great online store for health stuff.

Walmart (can have a discover version as you build up

chevron can have a visa version

otherwise think you need to wait a bit longer.

[09Lexie]

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@Anonymous wrote:

Yeah I had a dillards amex through them.  I paid the collection agency.  Generic as in everywhere, not one particular place.

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Welcome to the forum.  I notice that you might not know how to respond to posts by using our quote feature. 

1.  Click "reply" on the post you want to respond to.

2. To the right of the Spell Check button -- and above the message post window -- you will see the quote button.  It should look like this:

3.  Tap the quote bubble to insert the text of the post you are responding to and the block of text will appear in the message post window.

4.  Type your response below the quoted block of text and then click preview if you'd like to proof the post before submitting, or click "Post" at the bottom of the message post window.

[Anonymous]

Ok,  Thanks everyone for your input.  I appreciate it!  

[Anonymous]

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@09Lexie wrote:

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@Anonymous wrote:

Yeah I had a dillards amex through them.  I paid the collection agency.  Generic as in everywhere, not one particular place.

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Welcome to the forum.  I notice that you might not know how to respond to posts by using our quote feature. 

1.  Click "reply" on the post you want to respond to.

2. To the right of the Spell Check button -- and above the message post window -- you will see the quote button.  It should look like this:

3.  Tap the quote bubble to insert the text of the post you are responding to and the block of text will appear in the message post window.

4.  Type your response below the quoted block of text and then click preview if you'd like to proof the post before submitting, or click "Post" at the bottom of the message post window.

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Thank you!  I was wondering how to do that lol

[Anonymous]

I just wanted to let you guys  know, I went a head anyway and called the discover recon number and applied.  I was APPROVED!  my starting limit is 1600.00 with no introductory rate Apr which is 22% which is fine because I pay my cards in full 

i just just thought I would share the news!!

[Creditaddict]

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@Anonymous wrote:

I just wanted to let you guys  know, I went a head anyway and called the discover recon number and applied.  I was APPROVED!  my starting limit is 1600.00 with no introductory rate Apr which is 22% which is fine because I pay my cards in full 

i just just thought I would share the news!!

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FAB

[Vegas247]

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@Anonymous wrote:

I just wanted to let you guys  know, I went a head anyway and called the discover recon number and applied.  I was APPROVED!  my starting limit is 1600.00 with no introductory rate Apr which is 22% which is fine because I pay my cards in full 

i just just thought I would share the news!!

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Congrats!!!! Welcome to the world of Discover!

[Anonymous]

Thank you guys!