Discover Card Card Options for Students and Secured Credit

If you're a student looking to establish or rebuild your credit, Discover offers a range of card options that are designed with your needs in mind.

Discover's Secured Credit Card is a great option for students with no credit history or poor credit, as it requires a security deposit that becomes your credit limit. This card helps you build credit while also providing a way to make purchases and pay bills.

The Secured Credit Card also offers a credit limit increase option after eight months of on-time payments, which can be a huge help in building your credit score.

Discover's student credit cards, such as the Discover it Student Cash Back, offer cash back rewards and no annual fee, making them a great option for students who want to earn rewards while building credit.

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You can choose from a variety of Discover rewards credit cards, all of which come with the same suite of security and service features, including no annual fee.

Each card offers cash back on every purchase, with some giving extra cash back in special categories such as gas, groceries, or dining.

Some Discover cards offer 5% cash-back on up to $1,500 for purchases in select categories that change each quarter.

The Discover It Cash Back card is one option that offers 5% cash-back on rotating categories such as department stores, gas stations, wholesale clubs, Amazon, restaurants, and more.

You can earn a potentially lucrative sign-up bonus with some Discover cards, with the offer including an unlimited cashback match for all new cardmembers.

Here are some specific Discover card options that offer bonus earning categories:

With a Discover Card, you can earn rewards on every purchase, and the best part? There's no annual fee to worry about. Every purchase you make earns you rewards, which can be redeemed for cash back or travel.

You can choose from a range of Discover rewards cards, each offering different rewards options. However, one thing remains the same across all Discover cards: no annual fee. This means you can enjoy the benefits of earning rewards without any extra costs.

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Discover Cards give you cash back on everyday purchases, and some cards offer extra cash back in specific categories. This makes it easy to earn rewards on things you already buy, like groceries or gas.

Some Discover Cards offer travel rewards, which can be a great option if you love to explore new places. With the right card, you can earn miles or cash back on every purchase, making it easier to book your next trip.

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Discover is a popular credit card option that offers a range of benefits and rewards. With no annual fee, Discover cards are a great choice for those who want to earn rewards without incurring extra costs.

One of the standout features of Discover cards is the CashBack Match program, which automatically matches all the cash back you've earned at the end of your first year. This means you could turn $150 cash back into $300.

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Discover cards also offer a range of rewards categories, including 5% cash back on up to $1,500 in purchases in select categories that change each quarter. These categories include department stores, gas stations, wholesale clubs, Amazon, restaurants, and more.

The Discover it Cash Back card, for example, offers 5% cash back on up to $1,500 in purchases in various categories each quarter. This can be a great way to earn rewards on your everyday purchases.

In addition to rewards, Discover cards also offer a 0% intro APR for 14 months on purchases and balance transfers, as well as a 0% intro APR for 15 months on purchases and balance transfers with the Discover it Cash Back card. This can be a great option for those who need to make a large purchase or pay off high-interest credit card balances.

Discover cards also offer a range of security features, including Discover ProtectBuy, which uses technology to verify card member identity at the time of purchase. This can help reduce the risk of fraud and protect your account.

Here are some of the key benefits of Discover cards:

Overall, Discover cards offer a range of benefits and rewards that can help you save money and earn cash back on your everyday purchases.

Discover Card uses an alphabet-based reason code system, unlike most card networks which use numeric codes. The code "AA" represents a dispute reason of "Cardholder Does Not Recognize".

To win a Discover card representment, a merchant needs to be extra-attentive to the specific documentation requested for the particular code. This is because different reason codes are linked to differing types of compelling evidence.

Discover's list of chargeback reason codes is just as extensive as those of Visa or Mastercard.

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If you're a Discover cardholder, you can dispute transactions within 120 days of the original purchase or estimated delivery date. This is allowed under specific circumstances, including fraud, missing goods, or counterfeit goods.

Legitimate reasons for Discover disputes include, but are not limited to, billing errors, fulfillment mistakes, or defective goods. If you're unable to secure a refund from the seller directly, you can file a chargeback.

To file a chargeback, you can contact Discover's customer service line at (800) 347-2683 or log into your Discover online banking account and follow the steps to dispute a transaction. You'll need to provide evidence to back your claim, which can be faxed to (224) 813-5109 or uploaded online.

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The dispute process can take weeks or even months to resolve, so it's best to try to resolve the issue with the merchant first. In most cases, asking the merchant for a refund will bring a faster and more equitable resolution to the dispute.

Here's a summary of the time limits for disputing transactions:

Discover offers two card options that are perfect for students and those building credit: the Discover it Secured Credit Card and the Discover Student credit cards. The Discover it Secured Credit Card earns 2% Cashback Bonus at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, and unlimited 1% cash back on all other purchases.

The variable Purchase APR applies, but the credit line will equal your deposit amount, starting at $200. This card is great for building credit with responsible use.

The Discover Student credit cards, on the other hand, offer bonus category cash-back earnings, CashBack Match at your first card anniversary, and incentives for good grades. Here are the specific earnings you can expect for each card:

These student credit cards also share the same additional benefits, including 1% cash-back on all other purchases, Cash-back Match at first card anniversary, $20 statement credit each year student GPA is 3.0 or higher (up to 5 years), and 0% APR on purchases for 6 months.

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If you're a student looking for a credit card, Discover has some great options. The Discover it Student Cash Back Credit Card offers 1% cash back on all other purchases. Some cards also have a 0% APR on purchases for 6 months.

The Discover it Student Chrome Credit Card is another option, which then applies a Standard Variable Purchase APR. You can expect a different APR after the introductory period.

Discover's student credit cards share some common benefits, including 1% cash back on all other purchases, Cash-back Match at your first card anniversary, and $20 statement credit each year your student GPA is 3.0 or higher (up to 5 years).

Here are some benefits you can expect from Discover's student credit cards:

You can redeem any amount, any time, and enjoy free account alerts, zero fraud liability, and the ability to freeze your account.

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The Discover it Secured Credit Card is a great option for students and those rebuilding credit. You can earn 2% Cashback Bonus at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.

One of the benefits of this card is that you can earn unlimited 1% cash back on all other purchases. This means you'll get rewarded for your daily spending, not just on specific categories.

Your credit line will equal your deposit amount, starting at $200. This is a great way to start building your credit with responsible use.

The card also offers a variable Purchase APR, which means your interest rate may change over time. But with responsible payment habits, you can avoid high interest charges.

Building credit takes time and effort, but with a secured credit card like the Discover it Secured, you can start making progress. Just remember to use your card responsibly and make on-time payments.

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