Can a student w/ limited income easily qualify for More?

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
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432521
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Can a student w/ limited income easily qualify for More?

Postby 432521 » Wed May 02, 2012 10:14 pm

Would it be easy for a student with limited income to get the Discover more card?
March 2011- Wellsfargo Cash Back College Card
May 2012- Chase Freedom
May 2012- Discover IT
August 2012- American Express Blue Cash Everyday


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bisbicos
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Postby bisbicos » Thu May 03, 2012 3:07 am

I got my discover more as a student, September 2011 with about 12k annual income and 8 hard inquiries
Credit Cards
American Express: Fidelity Rewards (2% cash back) 9.5k
Zync NPSL
Discover: Discover More (5% rotating categories) 12k
Mastercard: Chase Freedom (5% rotating categories) 4.6k
Visa: Citi Forward (5x pts on restaurants) 15.7k
Citi Dividend (5% rotating categories) 5.6
Capital One Journey (1.25% cash back) 1.25k
BofA AAA (5% on gas) 2.5k
PenFed Platinum Rewards (5% on gas 3% groceries) 7.5k

Future Cards
US Bank Cash +
Chase Ink

432521
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Postby 432521 » Thu May 03, 2012 9:34 am

bisbicos wrote:I got my discover more as a student, September 2011 with about 12k annual income and 8 hard inquiries


did you get the student version or the regular version?
March 2011- Wellsfargo Cash Back College Card
May 2012- Chase Freedom
May 2012- Discover IT
August 2012- American Express Blue Cash Everyday

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bisbicos
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Postby bisbicos » Thu May 03, 2012 12:21 pm

The regular one. It still has 0% Apr until June
Credit Cards
American Express: Fidelity Rewards (2% cash back) 9.5k
Zync NPSL
Discover: Discover More (5% rotating categories) 12k
Mastercard: Chase Freedom (5% rotating categories) 4.6k
Visa: Citi Forward (5x pts on restaurants) 15.7k
Citi Dividend (5% rotating categories) 5.6
Capital One Journey (1.25% cash back) 1.25k
BofA AAA (5% on gas) 2.5k
PenFed Platinum Rewards (5% on gas 3% groceries) 7.5k

Future Cards
US Bank Cash +
Chase Ink

432521
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Posts: 379
Joined: Thu Apr 26, 2012 3:15 pm
Location: USA

Postby 432521 » Thu May 03, 2012 2:49 pm

I might apply for one since everyone seems to love that card. Will wait another 6 months or next year since I just got the Chase freedom today.
March 2011- Wellsfargo Cash Back College Card
May 2012- Chase Freedom
May 2012- Discover IT
August 2012- American Express Blue Cash Everyday

bmw1990Z
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Postby bmw1990Z » Thu May 03, 2012 3:56 pm

not a bad idea to go ahead and apply now, get all your hard inquires finished for awhile...
Cards in my wallet:
-Citi Forward Card for College Students-July 2011
-American Express Platinum Delta Skymiles--July 2013

PopiLopi
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Postby PopiLopi » Mon May 07, 2012 8:17 pm

I got the student version in July 2011, the difference is that the APR is usually higher and the intro 0% APR was 6 months instead of 15 months for the regular one, besides that it has they same $3k threshold to earn 1% and the same rotating categories and quarterly caps apply... In general is a safer choice if you're afraid of being rejected on the regular one
Amex: Business Platinum (09/12) BCP $10,500 (03/13)
Visa: Capital One Journey $750 (04/11) Chase Freedom $1,800 (04/12)
MasterCard Citi AAdvantage Platinum Select $8,500 (05/13)
Discover: Discover It $2500 (07/11)
Store Cards: Amazon $3900 (12/11) Macy's $500 (04/11) Kohl's $500 (05/12) Victoria's Secret $750 (11/12)

ModdedMach
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Postby ModdedMach » Sun May 13, 2012 10:40 am

I'm not a student, but I'm only 22, I got the More card with all the intro goodies and $6500 credit limit.

I have to say, the customer service was awesome, they called me to discuss my intentions and my credit history, then they were like, is $6,500 enough? I was like, haha, yes, plenty. For now anyways. I'm a PIF kind of guy anyways.



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