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6 Unbelievable Facts About Discover It Student Card | discover it student card

Excellent acclaim raises your affairs of accepting a Discover card, but there are added abeyant problems that could get in your way.

Student Credit Cards for College Students  Discover

If you appetite to get a Discover acclaim agenda and you accept an 800 acclaim score, you adeptness anticipate the appliance is a bang dunk. Alike the best Discover acclaim cards are aimed at consumers with array of 670 or above. A account of 800 is far above what you need.

That doesn't beggarly you're abiding to get approved, though. There are several affidavit Discover adeptness abjure your appliance admitting a aerial acclaim score. Here's why this can appear and how to abstain it.

Discover has a few acclaim agenda appliance rules that affect whether it will accept you for a card:

Student Credit Cards for College Students  Discover

No bulk your acclaim score, you can't get about these appliance rules. If you opened a Discover agenda three months ago, you charge to delay addition nine months afore applying for a new one. And if you accept two Discover cards, you can't get a new one. You charge to abolish one to accessible another.

Like all acclaim agenda companies, Discover looks at added than your acclaim account aback you administer for a card. It could abjure your appliance based on added factors. Actuality are some accepted examples:

If your Discover acclaim agenda appliance is denied, you'll get a letter in the mail with the affidavit for the denial.

Discover it for Students Offer Details  NerdWallet

In some cases, you can get Discover to amend a denial. Whether this is an advantage depends on why you weren't approved.

If it's because of one of Discover's appliance rules, you're out of luck. Discover is austere about those, so you can't get about them.

For denials due to any added reason, it may be accessible to get Discover to change its decision. Here's what to do:

DISCOVER IT® STUDENT CASH BACK CREDIT CARD

Since you accept a abundant acclaim history, it can advice to point that out during the conversation. Let's say the adumbrative mentions that you already accept absolutely a bit of acclaim compared to your income. You could acknowledgment that while that's true, you've additionally consistently paid on time and kept your acclaim appliance low, so you're acutely able to administer acclaim well.

With a aerial acclaim score, you'll accept a aerial adventitious of approval for a Discover acclaim card. But that won't bulk if you run afield of Discover's appliance rules. If you don't and you're still not approved, again it's a acceptable abstraction to see if Discover will reconsider.

As continued as you pay them off anniversary month, acclaim cards are a breeze for adeptness Americans. They assure adjoin artifice far bigger than debit cards, advice accession your acclaim score, and can put hundreds (or thousands!) of dollars in rewards aback in your abridged anniversary year.

Discover It Student Graduation - myFICO® Forums - 6

But with so abounding cards out there, you charge to accept wisely. This top-rated agenda offers the adeptness to pay 0% absorption on purchases into 2022, has some of the best acceptable banknote aback rewards we’ve anytime apparent (up to 5%!), and somehow still sports a $0 anniversary fee.

That’s why our able – who has advised hundreds of cards – active up for this one personally. Click actuality to get chargeless admission to our expert’s top pick.

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