Discover is confusing me with app status

Anonymous · ‎08-02-2009

I applied for Discover More a few days ago.

It came back and said they could not approve the card applied for, but had a counter offer card.

Counter offer Terms said

- 3.25% APR for 6 months

- 18.99% purchases rate after promo

- no AF

- 25 day grace

It didn't say what type of card or if it was issued by another bank.

TODAY I GET AN EMAIL:

Your Discover More Card Is on Its Way!

Dear Angel73,

We're excited to have you as our newest cardmember.
The Cashback Bonus Program from Discover Card gives you more ways
to earn more cash than anyone else.*

- Get 5% Cashback Bonus on purchases in popular categories that
change four times a year

- 5% to 20% Cashback Bonus at top online retailers when you link
through ShopDiscover

- Up to 1% Cashback Bonus on all other purchases automatically

- Unlimited cash rewards that never expire

- Increase or even double your rewards when you redeem for gift
cards from our 100 Cashback Bonus Partners

Remember to activate your card as soon as you receive it by
calling the number on your card from your home phone. Then you
can start using your Discover More Card right away.

===========================================

So, I thought I had been declined the More card and was going to get an HSBC Discover. Email now says More Card.

I thought that Discover more LIMITED the amount of rewards to like $400 per year or some number. This email says UNLIMITED and NEVER expires???

Anyone explain what has happened and what I am getting?

When I go to the Discover Card Application Status page and put in SS# and ZIP it can't find my application.

https://www.discovercard.com/cardmembersvcs/acqs/app/displayStatusRequest?vcmpgn=discovercard_com_si...

I guess I just wait and see???

Anonymous · ‎08-02-2009

Well, the email seems to say you are getting the Discover More. And I'm not too up on the rewards program they have.

I can't really comment on the rest, I being a new Discover CC holder myself. And Discover has confused me in statement / reporting dates.

Anyone else got any ideas on this app status question?

Anonymous · ‎08-02-2009

Unlimted is refers to the normal cash back which you only get $7.5 on the 3K a year, and 4x year 5% promo ddon't count that for that 3K the proms have caps $200 $$400 $800(travel)

Shop discover is a cash cow their no limits on and last last I heard you get you normal cash bonus in addtion shopdiscover bonus so if your beyond the 3K teir you wou;d get 6% at a 5% site khols is a good place to shop the don't require promo codes for shipping promos it ethier all to all orders or has some requirements but the point is you can get special shipping and you shopdiscover bonus 5%

creditwherecreditisdue · ‎08-02-2009

The email says approved for Discover More and I don't see any compelling reason to disagree. I would like to know the details of the acceptance (APR/CL/Intro offer) when they are known. Could you post them back in this thread when they come through, OP?

Anonymous · ‎08-02-2009

@creditwherecreditisdue wrote:
The email says approved for Discover More and I don't see any compelling reason to disagree. I would like to know the details of the acceptance (APR/CL/Intro offer) when they are known. Could you post them back in this thread when they come through, OP?

Sure will. I'm just confused. First on the application it said they couldn't approve me for the card applied for (MORE) and now I get an email which states I'm getting the More.

The terms on the "counter offer" had a higher APR and didn't mention rewards. Now the email says rewards.

They are being kinda Jekyl Hide on this. And the real strange thing....application status page still can't find me.

creditwherecreditisdue · ‎08-02-2009

@Anonymous wrote:
@creditwherecreditisdue wrote:
The email says approved for Discover More and I don't see any compelling reason to disagree. I would like to know the details of the acceptance (APR/CL/Intro offer) when they are known. Could you post them back in this thread when they come through, OP?

Sure will. I'm just confused. First on the application it said they couldn't approve me for the card applied for (MORE) and now I get an email which states I'm getting the More.

The terms on the "counter offer" had a higher APR and didn't mention rewards. Now the email says rewards.

They are being kinda Jekyl Hide on this. And the real strange thing....application status page still can't find me.

You got an acceptance email from Discover for a Discover More Card and are going to have to believe it. If you want a better answer you will have to call Discover and ask. There is no problem in doing that. They are pretty good. BTW - A lot of those online app status info screens don't work correctly. No info there is a sign of nothing.

Did you accept the HSBC counter offer or not? If you did you might end up with two cards.

Anonymous · ‎08-02-2009

When it said I wasn't approved for the original application, I did accept the counter offer card, but I did not see anything that said HSBC on it. It just had terms of APR, no AF, grace period, etc. I wasn't sure exactly what card I had accepted.

creditwherecreditisdue · ‎08-03-2009

@Anonymous wrote:
When it said I wasn't approved for the original application, I did accept the counter offer card, but I did not see anything that said HSBC on it. It just had terms of APR, no AF, grace period, etc. I wasn't sure exactly what card I had accepted.

The counter offered card is an HSBC issued Discover card. The card works on the Discover/Novus network but is not issued by Discover Financial Services and does not include the Discover benefits and rewards. I would call Discover as soon as you can and find out what's going on with your app. Be sure to let them know you got a Discover More approval email.

Kay_Cee · ‎08-03-2009

I applied for a Discover More card a few months ago using a promo code that was in the paper. I got the same counter offer and accepted it. The offer I applied for was 0% APR for a specified time and $100 cash back bonus when I spent $599 on the card. My counter offer was an APR of 3.99% until the last day of my billing period ending December 2009 and no additional cash back bonus other than the 5% rewards. I then got an email confirming I was approved for a Discover More card and got it in the mail a few days later. I agree that you should call them to confirm but, I think you got the Discover More card issued by them and not the one issued by HSBC.

Let us know!

Lyythine · ‎08-03-2009

If only I could get a discover card... even with a fluke mix-up like this... Discover has absolutely NO love for me. Always same reason - TOO MANY INQUIRIES (even when I only had 2 showing).

OP - You probably got the card, I would call to confirm! Cant hurt any...