If you’re looking for the perfect cash-back credit card as a student the Discover IT Student Card is the best credit card option for you.
This card allows you to earn perks in rotating categories and also enjoy double all cash back earned at the end of your first year as a cardholder.
Also, if you plan on studying abroad this card makes your stay abroad easier by offering no foreign transaction fees to cardholders. See How to Make a Discover Card Payment
However, the Discover IT Student Card might not be widely accepted globally.
Having said that, in this article, we will look at the following;
- The Benefits of the Discover IT Student Card
- How to apply for the Discover IT Student Card?
- How to Check the Discover IT Student Card Application Status?
- The needed credit score for the Discover IT Student Card.
- The credit limit on a Discover IT student Card, and also if Discover IT Student Card is good for building credit?
With that in mind, let’s begin.
Benefits of the Discover IT Student Card
Before you apply for the Discover IT Student Card, you may want to know the perks that come with this credit card option.
Having said that, the Discover IT Student Card allows you to earn 5% cash back on your daily purchases each quarter of the year at different places and up the quarterly max when you activate.
Aside from that, you get to earn constant 1% cash back on all other purchases instantly.
Also, at the end of your first year as a cardholder, the Discover IT Student card will double all cash back earned.
Hence, for instance, if you earned 70USD cash back at the end of your first year it will double to 140USD.
On the other hand, the Discover IT Student card allows you to redeem your reward for cash or for anything you need from any online store like Amazon.com using PayPal.
That’s not all, Discover IT Student Card offers a 0% intro APR on purchases for 6 months and also has no annual fee.
How to apply for the Discover IT Student Card Online
If you got an invite from Discover IT Student Card, visit www.getdiscoverstudent.com to apply for the Discover IT Student Card online.
Once you’ve opened the link, you’ll be asked to provide your unique 4-word invitation code
Now, type in the 4 words and click on the orange button that says ‘Start Your Application’ to begin your application process.
On the other hand, if you were not offered an invite for this card, click on the link that says ‘Click Here to Find Your Offer’
Then, provide your name and the last 4 digits of your SSN.
After that, indicate if you’re a student, now click on the ‘Find My Offer’ button.
However, if you were lucky to get an invite, below is vital info you must provide to complete your application process:
- Name
- Address
- Salary
- Employer
- Mortgage/Rent Amount
- Social Security number
- Email address
Once you’re done, you will get instant feedback from Discover IT, and if approved the card will be mailed to your mailing address.
How to Check the Discover IT Student Card Application Status?
In most cases, once you click the submit button on the Discover IT Student Card Application online form, you’ll get a response from Discover IT.
But if in your case, you did not get instant feedback from Discover IT, you don’t have to panic.
All you need to do is to check your application status. Hence, to check your status visit http://www.getdiscoverstudent.com, then navigate to ‘Already Submitted an application?’ and click ‘Check your status’.
Once you’ve done that, enter your SSN and Zip code, then click on the continue button and follow the prompts after that to check your application status.
Discover IT Customer Service
To reach out to Discover IT Student Card customer service over the phone, dial 1-800-347-2683.
However, those outside the United States can call 1-224-888-7777, or TDD 1-800-347-7449.
Hence, note that Discover IT Student Card customer service agents are open 24/7 to answer your questions.
On the other hand, you can reach out to Customer Service online with a secured message or a live chat via https://www.discover.com/credit-cards/contact-us.
Also, you can send a mail to; Discover Financial Services P.O. Box 30943 Salt Lake City, UT 84130-0943.
However, if you want to make a Discover IT Student Card payment, send checks to the address on your periodic statement.
Having said that below are Discover IT Student Card payment addresses:
- PO Box 6103 Carol Stream, IL 60197-6103
- PO Box 45909 San Francisco CA 94145-0909
- PO Box 70176 Philadelphia, PA 19176-0176
- PO Box 71242 Charlotte NC 28272-1242
Note: Payment addresses are based on your current address. Hence, be sure to make payment to the address on your periodic statement to make sure your payment is received at the correct location.
What is the needed credit score for the Discover IT Student Card?
Sadly, Discover IT, did not display the needed credit score for the Discover IT Student Card to the public.
However, they offer two great credit card options for students building their credit histories.
Having said that, these cards include;
- Discover it Student Cash Back
https://www.discover.com/products/student-it.html
- Discover it Student Chrome
https://www.discover.com/products/student-chrome.html
That being said, your credit score is not all that matters when applying for the Discover IT Student Card.
Hence, there are other factors to be considered like; your income compared to your debt, your employment status, if you own or rent your home, and the number of loans and lines of credit you’ve already opened.
The credit limit on Discover IT student Card
The credit limit on a Discover IT student Card is at least 500 USD.
However, some cardholders have reported having a limit of up to 3,000 USD.
Having said that, the credit limit on your Discover IT student Card is based on your credit history.
Is Discover IT Student Card good for building credit?
Of course! The Discover IT Student credit card is perfect for building credit especially when you:
- Make all payments on-time
- Pay off your balance in full, or try paying more than your minimum each month
- Avoid carrying a balance over.
Reference
http://www.getdiscoverstudent.com
Last word
To sum it up, if you’re a student looking for a perfect card to earn perks and boost your credit health, the Discover IT Student Card is certainly what you need.
Having said that, thanks for reading, and don’t forget to drop your questions in the comment section if you have any.