Discover Student More (Inquiries)

smc733 · ‎01-27-2011

So since I still haven't heard from Amex, after I do get the inevitable denial, I am considering this card instead.

Oldest Account: 29 Years 3 Months

AAoA 3 years

Util 1%

About 3 inquiries in past 6 months on Equfiax, 5 on TU,

8 in Past 12 on EQ, 11 on TU

Is this worth going for or will it be a denial?

RHAL · ‎01-27-2011

How in the world did you get denied with reports like that?

My wallet? AMEX PR Gold NPSL, AMEX HH 1k, Citi Hilton Reserve VS, CSP 9.2k, Chase Freedom 6.7k, Chase Sapphire 5.2k, USAA AMEX 2k, Cap 1 Cash 1.2k, BBRZ MC 500, Barclaycard Apple 1.5k, Barclay Ring 4.5k, Bank Americard 123 5.5k, NFCU Cash 14k

Starting Score: (9/27/10)TU:602 EQ:567
Current Score: TU:670 EQ:670 EX: 706 chase pull
Goal Score: TU:700 EQ:700

Take the FICO Fitness Challenge

My wallet? AMEX PR Gold, Citi Hilton Gold, Cap 1 Cash, BBRZ MC, Barclaycard Apple, Bank Americard Cash

smc733 · ‎01-27-2011

@RHAL wrote:
How in the world did you get denied with reports like that?

I swear creditors hate me.

MAstudent07 · ‎01-27-2011

Hello fellow poster, I am just curious how you can have a practically 30 year old account and seek a Student card? Why not apply for the standard?

smc733 · ‎01-27-2011

@MAstudent07 wrote:
Hello fellow poster, I am just curious how you can have a practically 30 year old account and seek a Student card? Why not apply for the standard?

I'm an Authorized user on an account opened in 1981.

I know for sure Discover is too picky to give me the regular More card, and I think my inquiries will prevent me from getting the Student Card, which is why I'm apprehensive to apply for it.

smc733 · ‎01-27-2011

Well, there's a chance!

Got the 5-7 days message, which from what I understand is good with Discover. Last 2 times I applied, I got an instant denial, so we'll see.

MAstudent07 · ‎01-27-2011

I am keeping my fingers crossed for you. I have a good feeling about your application. I got approved last month for "More" with 10 inquires, a much lower fico than yours, and my oldest account is 6.4 yrs old. Your CR is much more attractive than mine, therefore, I don't forsee an issue with your approval. Best of luck

smc733 · ‎01-28-2011

@MAstudent07 wrote:
I am keeping my fingers crossed for you. I have a good feeling about your application. I got approved last month for "More" with 10 inquires, a much lower fico than yours, and my oldest account is 6.4 yrs old. Your CR is much more attractive than mine, therefore, I don't forsee an issue with your approval. Best of luck

Thank you, I'll be calling them this morning, as their approval system was down! (Another good sign), plus, on every app, (except BofA), I've had to verify my address.

PS. Are you/were you a student in Massachusetts?

smc733 · ‎01-28-2011

Approved for $1,500!!! Woohoo, Amex has lost my business!

Datx · ‎01-28-2011

Congrats on the new Discover card!