<prompt> Human: Hello rpersonalfinance! Long-time lurker, first-time poster, excuse the formatting, etc... I am a college senior who will be attending medical school this upcoming fall, and I was hoping to get some credit card questions answered before I take out those loans for school. I currently have no debt from undergrad. I have been using a secured credit card through my bank for the last year and a half to build up my credit score currently 700, but the limit on the card is relatively low 1,000 and it has no rewards or perks. Because of this, I have been thinking about getting a new credit card, especially because I have also been receiving mailings for the DiscoverIt card and the benefits seem to be far better than my current one. So my questions are:Should I apply for a new card even though I wont be earning income for another four years? Would I likely be denied for that reason? Is there anything else I should know that Im missing? Thank you!  <response>: If you tell them you have no income, that will limit your opportunities to get credit, sure. 