Frequent question: How do I qualify for a student Discover Card?

To qualify for a Discover student credit card, you must be at least 18 years old, enrolled in a two- or four-year college, a U.S. citizen and have a Social Security number. You will also need to have verifiable independent income, like a part-time job, and you may have to show proof of income.

What credit score do you need for Discover IT student?

A 700+ credit score is needed to get most Discover credit cards, but there’s no minimum credit score needed for a few Discover cards. You can get the Discover it® Secured Credit Card with a bad credit score (300+). And college students don’t need a credit score, or any credit ex.

Why did I get denied for a Discover student card?

Like all credit card companies, Discover looks at more than your credit score when you apply for a card. It could deny your application based on other factors. … Insufficient income: Your income determines whether Discover will approve you for a credit card and the amount of your credit limit.

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Do you have to be a student to get the Discover IT student card?

And the terms for the Discover it® Student Cash Back state that you must be a college student to be eligible for the card. … It offers 1% cash back on all purchases, plus a 25% cash-back bonus for paying your bill on time each month — all of which make it a great option for students and nonstudents alike.

Is it easy to get approved for Discover IT student card?

While the Discover it Student Card is fairly easy for students to get, approval is not guaranteed. Discover will look at a number of other factors with your application. It’s best if you don’t have too many recent credit inquiries. You shouldn’t have more than one other Discover card account.

What is the fastest way to build credit?

8 Ways to Build Credit Fast

  1. Pay bills on time.
  2. Make frequent payments.
  3. Ask for higher credit limits.
  4. Dispute credit report errors.
  5. Become an authorized user.
  6. Use a secured credit card.
  7. Keep credit cards open.
  8. Mix it up.

How long does it take Discover to approve you?

At this point, there are three possible outcomes: You can be instantly approved, instantly denied, or you can receive a message that your application needs further review. With an instant approval, the issuer will typically deliver the card in 7-10 business days.

Can you get a Discover it card with no credit history?

There is no Discover card with no deposit for most people with no credit. … Both Discover it student cards have no annual fee and are available to students with limited credit history. Here are the best Discover cards for no credit history: Discover it® Secured Credit Card: $0 annual fee.

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How long does it take to get approved for a student credit card?

As with any credit card, when you apply for a student credit card, you could receive a decision instantly if you apply online, or it could take as long as 10 business days. It usually takes 7-10 business days to receive a card in the mail after approval.

Can a minor get a Discover card?

Although minors cannot apply for a credit card account in their own name, many credit card issuers allow them to be added to an adult’s account as an authorized user. For example, Discover allows primary account holders to add authorized users at no charge so long as the user is at least 15 years old.

Can you get a credit card at 13?

Different credit card issuers have different rules for adding teenagers as authorized users. Some, like Capital One, Chase, Citibank and Wells Fargo have no minimum age, while American Express and Barclays require authorized cardholders to be at least 13 years old.