The initial interface of Discover IT regular card and student card has become the same. If you want to apply for a student card, select Full-time Student in Employment Status, and then you will naturally be asked about the school. information. Proof of student identity: You only need to upload your invitation letter, or other certification letters with the school logo or the signature of the school administrator. Even visiting students can be successful as long as they submit an invitation letter to prove that they are in school. But if you choose other Employment Status, you will apply for a regular card. ?

Check resident when selecting your identity (in fact, if you have a US ID or driver's license, you are a resident). Resident This is the most important factor when applying for a credit card in the United States. If you do not have an ID yet but may stay in the United States for more than six months, you can still be considered a resident.

Update (2014-11-06)

Discover’s official website now offers a $150 bonus when you apply for a discover it credit card. It is recommended that you go directly to the official website to apply during this period. Based on last year’s experience, because of the $150 bonus, Discover easily rejects newcomers with no credit history.

What should I do if my online application is rejected?

U.S. credit cards generally apply online and claim to tell you the result within 60 seconds. In fact, online application is just the first step, and the computer automatically filters out users who the system considers to be the least qualified and those with the best credit records. The least qualified ones are directly rejected (note that even if they are rejected, the card may still be re-approved, see below), and the best ones are directly passed. There are also a large number of intermediaries who will receive pending notifications, which will tell you how many working days (usually around 30 days) you have to wait to inform you of the results. These people are actually being transferred to manual review. The reason is mostly because there have been a lot of hard pulls recently, their fund usage is high, or they hold too many credit cards from the bank, but their credit scores are pretty good. The pending process is agonizing, and it is very likely that you will eventually receive a rejection letter. How can I speed up the pending process, or get re-approved by talking to customer service after receiving a rejection letter? This requires the use of Bank of America's unique device - the backdoor phone, which is what we call reconsideration.

Through the backdoor phone, you can talk directly to the bank staff responsible for approving credit cards, know what issues they are concerned about you, and then give them a reasonable explanation to help you pass the review. If your credit score is sufficient, the bank is actually very willing to approve your application, because this is their business.

For novices applying for Discover, it is easy to be pending or even rejected directly because they do not have a credit score or the score is not high. Even if you are directly rejected, call Discover's backdoor number as soon as possible (preferably on the same day) and tell customer service that although you are a newbie, you have a stable scholarship and living security, and you want to use their card for daily consumption, such as gas. Eating, online shopping, etc. In short, make them believe that you are a reliable user. In this case, it is very likely that the card will be approved again.