信用评分700+，good，求申请信用卡推荐

死胖熊御用三陪

妙木山仙人 发表于 2013-6-8 08:59
我看网站上写了student card 也有1%，难道我看错了..

因为我室友用的就是student~她说平时没有1%的
LZ还是去银行问清楚再申吧！

我要酷胖

妙木山仙人 发表于 2013-6-8 05:02
discover我是申请student还是it？感觉没有什么大的区别，但是据说难度相差很大啊
...

Both what you mentioned are Discover IT card. I can send you a referral of either you want for a $50 sign up bonus. The differences are starting credit line for a student version is lower, on average 600 vs a regular IT in CL of 2000. What's more, the promo 0% APR is only 6 months for a student version Vs a 14 months for a regular IT. Student version is easier to start with if it is your 1st CreditCard and YOU ARE A COLLEGE STUDENT. Except for the above points, everything else are the same including regular 1% CashBack rate on everything and quarterly 5% CB on selected catalogs. Let me know if you have any questions.  

我要酷胖

死胖熊御用三陪 发表于 2013-6-8 09:21
因为我室友用的就是student~她说平时没有1%的
LZ还是去银行问清楚再申吧！ ...

Are you sure your roommate is a cardholder of Discover IT card or Discover More card？

死胖熊御用三陪

我要酷胖 发表于 2013-6-8 09:29
Are you sure your roommate is a cardholder of Discover IT card or Discover More card？

对呀，她申的学生卡，没有1%

我要酷胖

死胖熊御用三陪 发表于 2013-6-8 09:34
对呀，她申的学生卡，没有1%

I don't think you totally understand what I am asking.

Discover More was a prior program as the Discover IT is currently. They are two different programs. Both More and IT offers student version CC. The only difference btw/ these 2 programs is a More card regardless of a card version offers a CB rate less than 1%. It has nothing to do with a student version CC in cashback rate.

死胖熊御用三陪

我要酷胖 发表于 2013-6-8 09:38
I don't think you totally understand what I am asking.

Discover More was a prior program as the Di ...

I know, that's why I'm suggesting LZ to ask the bank
But I think you may be able to help him figure out that

我要酷胖

死胖熊御用三陪 发表于 2013-6-8 09:44
I know, that's why I'm suggesting LZ to ask the bank
But I think you may be able to help him figur ...

Sure if he/she needs help.

妙木山仙人

死胖熊御用三陪 发表于 2013-6-8 09:34
对呀，她申的学生卡，没有1%

discover有银行？我找找看哈

死胖熊御用三陪

妙木山仙人 发表于 2013-6-8 11:32
discover有银行？我找找看哈

打客服电话~

妙木山仙人

死胖熊御用三陪 发表于 2013-6-8 11:33
打客服电话~

我基本确定每个1%是有的，因为网站上说是all other. 不过我之前申请过chase和discover，而且都被拒了。所以我觉得他们应该会给我发邀请信，如果他们认为我现在的信用的可以的话。那我再等等看咯，不过chase freedom明显比discover给力！不过这两个卡可以互补，这是一个不错的选择。

不过还是谢谢你啦！

妙木山仙人

那看来discover it和discover student相比申请难度会大一点……而且我之前申请过discover并且被拒，如果我信用记录足够好的话应该会给我发邀请信的吧，我迄今为止没有收到一封邀请信，所以我觉得还是等一等比较好。

大哥能说中文不？我英语不好……

EliaC狂躁中

妙木山仙人 发表于 2013-6-8 07:43
才六个月而已呢……所以心里有点打鼓……

其实6个月的话可以考虑申American Express的卡，应该没什么问题~chase的话最好要有1年~

妙木山仙人

EliaC狂躁中 发表于 2013-6-8 14:14
其实6个月的话可以考虑申American Express的卡，应该没什么问题~chase的话最好要有1年~
...

您是指那个blue cash everyday? 原来chase比american express难申请啊= =

EliaC狂躁中

妙木山仙人 发表于 2013-6-8 14:40
您是指那个blue cash everyday? 原来chase比american express难申请啊= =

AE的卡分很多种，基本款那个应该比较好申了~不过那个SPG酒店神卡就比较难了。。

感觉chase的一直都很难，基本卡里，chase是最难申的

妙木山仙人

EliaC狂躁中 发表于 2013-6-8 14:46
AE的卡分很多种，基本款那个应该比较好申了~不过那个SPG酒店神卡就比较难了。。

感觉chase的一直都很难 ...

那我就申请那个1 2 3的反现每日卡？好吧貌似没什么其他的比较好的选择了……