CK score of 630, not approved. I am currently rebuilding my credit as a bunch of old charge-offs/collections near the end of their reporting periods on the credit bureaus. Got approved for a small limit (unsecured) with Capital One a couple months ago and have had 2 secured Public Bank cards for about a year (the first) and 4 months (the 2nd). Looking to add on another card to build more positive history as quickly as possible. The more on-time payments and the lower my utilization, the better. But I suppose Discover is more interested in students with short but positive credit histories rather than those with long but fairly negative credit histories (like me). Suppose I'll wait a few months, let an inquiry or 2 fall off, try to remove a few more debts from my reports, and pay down my open cards even lower before I try for another card.