Applying for a Discover it Student Credit Card: How to Do It

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The Discover it Student card presents itself as an attractive option for many students, combining benefits specially designed for this demographic with the promise of transparent and rewarding financial management.

Faced with this new phase of financial organization, choosing the right credit card becomes essential. Find out more information about the Discover it Student card now.

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How do I apply for a Discover it Student Credit Card?

Applying for the Discover it Student card is a simple and straightforward process, designed to meet the needs of students entering the world of credit. Here is a step-by-step guide to help you understand how to make this request:

Research and Information: First of all, it is essential to understand the benefits, features and possible fees associated with the card. Visit the official Discover website for complete details about the Discover it Student card.
Eligibility Requirements: Typically, to apply for a student card, you need to provide proof of student status. This may include a valid student ID, an offer of enrollment, or other documents that prove your affiliation with an educational institution.
Online Application Form: Visit the Discover website and locate the specific section for the Discover it Student card. Click the button, usually titled “Apply Now” or “Request,” to begin the application process.
Personal Details: Fill in the form with your personal information such as name, address, date of birth and social security number.
Financial Information: Some questions about your financial situation, such as source of income and monthly expenses, may be asked. This helps the financial institution assess your repayment capacity.
Academic Information: Provide details related to your academic life, such as the name of the educational institution, degree of study and year of graduation.
Review and Submission: After completing all fields, carefully review your answers to ensure all information is correct. When you’re ready, submit your request.
Wait for a Response: After submitting the form, Discover will review your request. The response, whether approval or denial, is generally sent within a few days, but the time may vary.
Receipt and Activation: If approved, you will receive your Discover it Student card in the mail. When you receive it, follow the instructions provided to activate the card before you start using it.

Remember, when applying for any credit card, it is essential to be aware of your financial responsibilities and make wise use of credit.

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Waiting time for approval

Discover it Student card approval typically occurs within 7 to 10 business days. However, in certain situations, this period may be extended.

When evaluating a credit card proposal, Discover bank takes several aspects into consideration, such as:

Credit history: Individuals with a positive credit record tend to receive greater consideration from Discover Bank.
Credit score: A high credit score suggests that the applicant is diligent in his financial obligations.
Income information: It is essential for Discover bank to understand the amount of your earnings in order to assess your ability to honor the card’s commitments.
Educational background: As Discover bank offers specific cards for higher education students, the applicant’s educational level is a relevant variable in the evaluation process.

If your Discover it Student card application is accepted, an approval notification will be sent to you, either by email or by post.

How to unlock the card?

To unlock your Discover it Student card, you will need to follow these steps:

Go to the Discover website or app.
Sign in to your account.
Click on the “Unblock card” option.
Follow the instructions on the screen.

You can also unlock your Discover it Student card via phone. Call 1-800-347-2683 and tell the bank representative that you want to unblock your card.

Advantages of the Discover it Student

The Discover it Student card offers a number of benefits for college students, including:

Cash Back Rewards: Has a rewards rate of 5% back on rotating category purchases, 2% back on restaurant and gas station purchases, and 1% back on all other purchases.
0% APR introductory rate on purchases and balance transfers: Offers a 0% APR introductory rate on purchases and balance transfers for six months.
Zero annual fee: There is no annual fee.
Purchase protection: The card offers purchase protection for up to 90 days against damage, theft or loss.
Identity Protection: Gets free identity protection for one year.
Free credit assessment: Provides a free credit assessment every six months.

What are the interest rates on the card?

When choosing a credit card, it is essential to understand not only the benefits offered, but also the associated fees, as they can impact how you use and benefit from the card.

The Discover it Student card, designed for the student demographic, has several attractive features in terms of rates. Here is a summary of these fees:

Annual fee: One of the biggest attractions of the Discover it Student card is the absence of an annual fee. This means cardholders don’t have to worry about recurring costs just for having the card.
Foreign Transaction Fee: For students traveling abroad or making purchases on international websites, it is vital to know that this card does not charge foreign transaction fees.
Late Fee: While it is always advisable to pay your invoice on time, it is good to know the financial implications if, for any reason, a delay occurs. Late fees may vary, and it is recommended that you consult the current terms for precise details.
Cash Advance Fee: If you decide to get a cash advance with your card, there will be an associated fee. The specific rate may depend on the advance amount or other factors.
Balance Transfer Fees: For those considering transferring a balance from another credit card to Discover it Student, there may be a balance transfer fee to consider.
Return Fee: In cases of returned payments, the card may apply a specific fee.

It is worth remembering that rates may be updated periodically by Discover bank. Therefore, it is always good practice to consult your card agreement or the official Discover website for up-to-date information on all fees and charges associated with the Discover it Student card.

How to check the card statement?

Checking your Discover it Student card statement is a simple and intuitive procedure. Following your statement regularly is a recommended practice, as it helps you monitor expenses, verify the accuracy of transactions and maintain financial health. Here are the steps to consult your statement:

Online Access

Website: Access the official Discover website . If this is your first visit, you may need to register for an online account.
Login: Enter your username and password to log in to your account.
Navigation: Once logged in, navigate to the statements or recent activities section. Here, you will be able to see all transactions carried out with the card, as well as other relevant information, such as payments made, interest accrued and rewards earned.

Mobile Application

Download: If you haven’t already, download the official Discover app from the Google Play Store (for Android devices) or the App Store (for iOS devices).
Access: Open the app and log in with your credentials.
Consultation: Just like the website version, go to the statements or recent activities section to see your card transactions.

Customer service

If you prefer or have issues with the online options, you can call Discover customer service at the number provided on the back of your card. Once authenticated, the clerk will be able to provide information about your statement and answer any other questions you may have.

Printed Statement

Some customers choose to receive printed monthly statements mailed to them. If you chose this option, please wait for your statement to arrive at your home at the end of each billing cycle.

Regardless of which method you choose, it’s vital to review your statement regularly, checking the accuracy of transactions and ensuring you recognize all activity listed.

How to apply for a second copy of the card?

To request a duplicate Discover it Student card, you can follow these steps:

Go to the Discover website or app .
Sign in to your account.
Click on the “Request duplicate” option.
Follow the instructions on the screen.

You can also request a duplicate Discover it Student card over the phone. Call 1-800-347-2683 and tell the bank representative that you want to request a duplicate.

Discover it Student Phone

Discover bank’s direct contact number is 1-800-347-2683. It is available for service 24 hours a day, every day of the week.

In addition to the telephone, Discover bank offers digital channels for communication. You can access them online or through the Discover Mobile app.

Contact Details:

Phone: 1-800-347-2683
Website: www.discover.com/
App: Discover Mobile