topic Re: To those thinking of applying for Discover It in Credit Cards

To those thinking of applying for Discover It

HiLine — Sat, 29 Dec 2012 18:19:47 GMT

Don't. Apply for the More instead.

First of all, the benefits of the card aren't all clear. It may be missing some perks that the Discover More offers.

Secondly, the It doesn't have a card builder function while the More still does. You can select your introductory benefits for the More, up to $200 in sign-up bonus, through the following link:

https://www.discovercard.com/cardmembersvcs/acqs/app/chooseMyOffer/cardMatch?fmoUpdatedValidationParam=true&icmpgn=1007_ccMORE_mrq_cb_btn

Thirdly, you can easily switch from the More to the It if the latter proves superior with time.

That's all. Thanks for reading

/Edited: included the $200 sign-up bonus

Re: To those thinking of applying for Discover It

tempusfugit123 — Fri, 21 Dec 2012 19:22:51 GMT

I converted to the IT and didnt get it lol asked a couple questions to a csr and was told i could convert to any reward program at any time through the help center. switched back to more.

Re: To those thinking of applying for Discover It

SwiftTone — Fri, 21 Dec 2012 21:58:37 GMT

It does have the card builder function. Made a thread. Heres the link to the Discover web page.

https://www.discovercard.com/cardmembersvcs/acqs/app/chooseMyOffer/findMyOffer?beyond=it&beyond=true&ICMPGN=STL_CC_HOME_FMO&mboxSession=1356126638336-639671

Re: To those thinking of applying for Discover It

HiLine — Fri, 21 Dec 2012 22:51:54 GMT

SwiftTone wrote:
It does have the card builder function. Made a thread. Heres the link to the Discover web page.

https://www.discovercard.com/cardmembersvcs/acqs/app/chooseMyOffer/findMyOffer?beyond=it&beyond=true&ICMPGN=STL_CC_HOME_FMO&mboxSession=1356126638336-639671

Did you notice that this card builder took you to the old cards, i.e., non-It cards?

Re: To those thinking of applying for Discover It

pdog661 — Fri, 21 Dec 2012 23:10:53 GMT

Does discover still allow for the application of the more card? Rumor is they are moving all more card to the IT.

Re: To those thinking of applying for Discover It

HiLine — Fri, 21 Dec 2012 23:19:06 GMT

pdog661 wrote:
Does discover still allow for the application of the more card? Rumor is they are moving all more card to the IT.

Yes. Probably not much longer though. Jump on the train while you still can.

Re: To those thinking of applying for Discover It

HiLine — Sat, 22 Dec 2012 05:20:02 GMT

Oh did I mention that the More card builder can give you up to $200 in sign-up bonus? ;)

Re: To those thinking of applying for Discover It

maiden_girl — Sat, 22 Dec 2012 10:23:35 GMT

According to Discover..you can switch back if you don't like the new rewards program.

Re: To those thinking of applying for Discover It

HiLine — Mon, 24 Dec 2012 01:54:58 GMT

maiden_girl wrote:
According to Discover..you can switch back if you don't like the new rewards program.

For only so long as they are willing to accept new More accounts. Has anyone tried switching from the It to the More lately?

Re: To those thinking of applying for Discover It

HiLine — Wed, 26 Dec 2012 06:39:38 GMT

Bump.

Re: To those thinking of applying for Discover It

HiLine — Sat, 29 Dec 2012 05:06:11 GMT

Bump!

Re: To those thinking of applying for Discover It

chnceit — Sat, 29 Dec 2012 05:15:22 GMT

This card/features is too new for someone to switch back and forth IMO

Re: To those thinking of applying for Discover It

genmic — Sat, 29 Dec 2012 05:36:13 GMT

Best option is to use cardbuilder for $200 cash bonus and then PC to IT after receiving card to start earning 1% right away, among other benefits. I think several on this forum have done this.

Re: To those thinking of applying for Discover It

Rhaeny — Sat, 29 Dec 2012 06:58:08 GMT

HiLine wrote:
Don't. Apply for the More instead.

First of all, the benefits of the card aren't all clear. It may be missing some perks that the Discover More offers.

Secondly, the It doesn't have a card builder function while the More still does. You can select your introductory benefits for the More through the following link:

https://www.discovercard.com/cardmembersvcs/acqs/app/chooseMyOffer/cardMatch?fmoUpdatedValidationParam=true&icmpgn=1007_ccMORE_mrq_cb_btn

Thirdly, you can easily switch from the More to the It if the latter proves superior with time.

That's all. Thanks for reading.

Lordy, when I read this I just dropped the hammer and app'd. Got the dreaded 5-7 day message yet they asked me if I wanted to set up my online access, which I did. But why would it ask me to set up online access if I'm not approved? It also says something about in order to expedite the process to call a number to speak with a specialist. They pulled EQ and my score has dropped a bit to 704 from all the apps and approvals.

Oh well it was too late to call as they closed at midnight. If they approve me I tell you what, you can just blow me over with a feather. I've had a darn good streak the last few months with ALL approvals for everything that I app'd for. I will stay optimistic on this app but this is the first time that I am feeling not so confident about an approval.

Re: To those thinking of applying for Discover It

HiLine — Sat, 29 Dec 2012 15:35:45 GMT

You're on my signature. You can't fail. :robotindifferent:

Re: To those thinking of applying for Discover It

Sweets8E — Sat, 29 Dec 2012 15:46:32 GMT

Rhaeny wrote:
HiLine wrote:
Don't. Apply for the More instead.

First of all, the benefits of the card aren't all clear. It may be missing some perks that the Discover More offers.

Secondly, the It doesn't have a card builder function while the More still does. You can select your introductory benefits for the More through the following link:

https://www.discovercard.com/cardmembersvcs/acqs/app/chooseMyOffer/cardMatch?fmoUpdatedValidationParam=true&icmpgn=1007_ccMORE_mrq_cb_btn

Thirdly, you can easily switch from the More to the It if the latter proves superior with time.

That's all. Thanks for reading.
Lordy, when I read this I just dropped the hammer and app'd. Got the dreaded 5-7 day message yet they asked me if I wanted to set up my online access, which I did. But why would it ask me to set up online access if I'm not approved? It also says something about in order to expedite the process to call a number to speak with a specialist. They pulled EQ and my score has dropped a bit to 704 from all the apps and approvals.

Oh well it was too late to call as they closed at midnight. If they approve me I tell you what, you can just blow me over with a feather. I've had a darn good streak the last few months with ALL approvals for everything that I app'd for. I will stay optimistic on this app but this is the first time that I am feeling not so confident about an approval.

The same thing happened to me when I app'd for my More card a few months ago. They asked me to setup online access yada yada and to call to expedite. The call was just to verify my info and I was approved right then. Sounds like the same is about to happen for you. This is a good sign.

Re: To those thinking of applying for Discover It

HiLine — Sat, 29 Dec 2012 15:53:38 GMT

Sweets8E wrote:
Rhaeny wrote:
HiLine wrote:
Don't. Apply for the More instead.

First of all, the benefits of the card aren't all clear. It may be missing some perks that the Discover More offers.

Secondly, the It doesn't have a card builder function while the More still does. You can select your introductory benefits for the More through the following link:

https://www.discovercard.com/cardmembersvcs/acqs/app/chooseMyOffer/cardMatch?fmoUpdatedValidationParam=true&icmpgn=1007_ccMORE_mrq_cb_btn

Thirdly, you can easily switch from the More to the It if the latter proves superior with time.

That's all. Thanks for reading.
Lordy, when I read this I just dropped the hammer and app'd. Got the dreaded 5-7 day message yet they asked me if I wanted to set up my online access, which I did. But why would it ask me to set up online access if I'm not approved? It also says something about in order to expedite the process to call a number to speak with a specialist. They pulled EQ and my score has dropped a bit to 704 from all the apps and approvals.

Oh well it was too late to call as they closed at midnight. If they approve me I tell you what, you can just blow me over with a feather. I've had a darn good streak the last few months with ALL approvals for everything that I app'd for. I will stay optimistic on this app but this is the first time that I am feeling not so confident about an approval.

The same thing happened to me when I app'd for my More card a few months ago. They asked me to setup online access yada yada and to call to expedite. The call was just to verify my info and I was approved right then. Sounds like the same is about to happen for you. This is a good sign.

I had the exact same experience. Very positive Rhaeny was approved. :robotvery-happy:

Re: To those thinking of applying for Discover It

Rhaeny — Sat, 29 Dec 2012 18:02:27 GMT

HiLine wrote:
Sweets8E wrote:
Rhaeny wrote:
HiLine wrote:
Don't. Apply for the More instead.

First of all, the benefits of the card aren't all clear. It may be missing some perks that the Discover More offers.

Secondly, the It doesn't have a card builder function while the More still does. You can select your introductory benefits for the More through the following link:

https://www.discovercard.com/cardmembersvcs/acqs/app/chooseMyOffer/cardMatch?fmoUpdatedValidationParam=true&icmpgn=1007_ccMORE_mrq_cb_btn

Thirdly, you can easily switch from the More to the It if the latter proves superior with time.

That's all. Thanks for reading.
Lordy, when I read this I just dropped the hammer and app'd. Got the dreaded 5-7 day message yet they asked me if I wanted to set up my online access, which I did. But why would it ask me to set up online access if I'm not approved? It also says something about in order to expedite the process to call a number to speak with a specialist. They pulled EQ and my score has dropped a bit to 704 from all the apps and approvals.

Oh well it was too late to call as they closed at midnight. If they approve me I tell you what, you can just blow me over with a feather. I've had a darn good streak the last few months with ALL approvals for everything that I app'd for. I will stay optimistic on this app but this is the first time that I am feeling not so confident about an approval.

The same thing happened to me when I app'd for my More card a few months ago. They asked me to setup online access yada yada and to call to expedite. The call was just to verify my info and I was approved right then. Sounds like the same is about to happen for you. This is a good sign.
I had the exact same experience. Very positive Rhaeny was approved. :robotvery-happy:

Okay I was approved!!! It wasn't for the most favorable limit and terms but I got it.

The guy I talked was super nice and he asked me why I was interested in the card. I told him all of the standard I've read awesome reviews and the cash back option is very attractive, yada yada yada. The next thing he asked about was my bk and when was it filed. I told him March 2007 and he said okay let me back that out right now. Then he said "Okay good deleted that????". I'm thinking huh? I didn't want to talk about that further so I just kept quiet. But what the hell does that mean? Anyway, then he said that they were not able to offer me the original T&C's that I applied for.

The terms and condtions are for the 1st 6 months the interest rate is 3.99% (includes BT) and then afterwards it is 22.99%. Now the limit he could offer me is only $1K :smileysad:. I then asked if he could reconsider this and at least match my lowest major CC which is $2K. And he said no that he was only able to offer the $1K but just wait 6 months and they will review. He was so nice the way he said it. He knows how to let a girl down and still make her feel good...LOL! Oh and one other thing he did, he said that I applied for the Open Road card he suggested that I switch over to the IT. I said okay so now I will get IT :D.

So do you think I should call the backdoor or just let dead dogs lay? I have opened so many cards since Sept that I really think I should close some of them. Right now I have 5 inq on EX, 6 on EQ and 10 on TU. Some of those were for an auto, but I have 12 new accounts in 4 months so 2013 will be the "I ain't applying for $h!T" year. What do you guys think, call the backdoor or no? Close some accounts or no?

Re: To those thinking of applying for Discover It

HiLine — Sat, 29 Dec 2012 18:12:48 GMT

Wait you didn't choose the $200 sign-up bonus for the More?

Re: To those thinking of applying for Discover It

Rhaeny — Sat, 29 Dec 2012 18:14:12 GMT

HiLine wrote:
Wait you didn't choose the $200 sign-up bonus for the More?

In my nervousness I forgot to ask about it. I will call back now.