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Student Discover It card converted to a regular Discover It

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chalupaman
Super Contributor

Student Discover It card converted to a regular Discover It

Found out today when I called them and via customer service online. They made this change to my account about 9 days ago. There's bascially not too much of a difference between the student and regular It cards but the starting CL and APR offers differ. Just wanted to let people know.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 1 of 17
16 REPLIES 16
Anonymous
Not applicable

Re: Student Discover It card converted to a regular Discover It


@chalupaman wrote:

Found out today when I called them and via customer service online. They made this change to my account about 9 days ago. There's bascially not too much of a difference between the student and regular It cards but the starting CL and APR offers differ. Just wanted to let people know.


Congratulations!...Thanks For Sharing.Smiley Very Happy
Message 2 of 17
Anonymous
Not applicable

Re: Student Discover It card converted to a regular Discover It


@chalupaman wrote:

Found out today when I called them and via customer service online. They made this change to my account about 9 days ago. There's bascially not too much of a difference between the student and regular It cards but the starting CL and APR offers differ. Just wanted to let people know.


Congratulations and blahblahblah.

 

Did you hound them about that CLI yet?

Message 3 of 17
coldnmn
Mega Contributor

Re: Student Discover It card converted to a regular Discover It

Congrats! Thanks for sharing.

 

 

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 4 of 17
Creditwiser
Valued Contributor

Re: Student Discover It card converted to a regular Discover It

Congrats. Did you ask for a CLI while you're at it ?  I bet they give you one.

NFCU Visa 43k | NFCU Platinum 37k | Cap1 QS 13K | Cap1 QS 12.5K | Barclay MC 20k | Delta Gold Amex 40K | Discover IT 20K | CFNA FS 3600 | CareCredit 20k| PayPal Credit 10k |
Message 5 of 17
chalupaman
Super Contributor

Re: Student Discover It card converted to a regular Discover It


@jettech wrote:

Congrats. Did you ask for a CLI while you're at it ?  I bet they give you one.


I tried a few days ago but got declined again. The previous time was for length of time the account has been open. Six months isn't enough for Discover apparently.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 6 of 17
uswala
Senior Contributor

Re: Student Discover It card converted to a regular Discover It

Congrats!

Message 7 of 17
Creditwiser
Valued Contributor

Re: Student Discover It card converted to a regular Discover It

Oh, my bad. I thought I read youve had the card for 9 months. I was wrong.  No worries, you're in good with them and they'll take care of you in time. Congrats again.

NFCU Visa 43k | NFCU Platinum 37k | Cap1 QS 13K | Cap1 QS 12.5K | Barclay MC 20k | Delta Gold Amex 40K | Discover IT 20K | CFNA FS 3600 | CareCredit 20k| PayPal Credit 10k |
Message 8 of 17
Anonymous
Not applicable

Re: Student Discover It card converted to a regular Discover It

Congrats!
Message 9 of 17
Imperfectfuture
Super Contributor

Re: Student Discover It card converted to a regular Discover It

Congrats, etc.
Signature needs updating
Message 10 of 17
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