DiscoverIT Card..... Let me express my love!!!

[Laurenlou]

I just wanted to share with you all, that after years of repairing my credit and working hard to make good financial decisions, I was able to open my first 'non-bottom-feeder' credit card! (but I am thankful that I was able to open those bottom-feeder cards, as they are what helped my build my way back up!)

After seeing some great press on here about the Discover It card, I apped and was esctatic to be told I had a $4k credit limit! (my highest CL at this point was $2,250 with my credit union). However, when the card came in the mail, it turns out my CL was actually $7500! Woo hoo! I've been putting all of my living expsenses on the card and paying it off every month after the balance reports (so I can get the cash back). I've gotten about $400 cash back so far since October!

Now to the really exciting part- I requested a CL increase last night online (had the card 6 months) and logged in this morning to find that my new CL is $11,500! Woo hoo!

Such an easy company to work with, their customer service is open all day and is American based (just makes communicating so much easier, esp when you have a problem or issue on your account, feels to good to know that the person on the other end of the phone understands your problem). I can't say enough great things about this company, and maybe its because I've been banished to the bottom feeders for so long due to my own young stupidity- but whatever it is, I love this card and am happy to share my opinion with any of you that might be ready to jump into the land of 'real' credit cards!

[gdale6]

Grats and enjoy

[FocusedAndDetermined]

Lovely - congrats!!

[coldnmn]

Congrats! Thanks for sharing.

[alvon123]

congrats

[Uppingmyscore]

Lovely :-)

[BigBS]

Congrats!

[14Fiesta]

---

@Laurenlou wrote:

I just wanted to share with you all, that after years of repairing my credit and working hard to make good financial decisions, I was able to open my first 'non-bottom-feeder' credit card! (but I am thankful that I was able to open those bottom-feeder cards, as they are what helped my build my way back up!)

After seeing some great press on here about the Discover It card, I apped and was esctatic to be told I had a $4k credit limit! (my highest CL at this point was $2,250 with my credit union). However, when the card came in the mail, it turns out my CL was actually $7500! Woo hoo! I've been putting all of my living expsenses on the card and paying it off every month after the balance reports (so I can get the cash back). I've gotten about $400 cash back so far since October!

Now to the really exciting part- I requested a CL increase last night online (had the card 6 months) and logged in this morning to find that my new CL is $11,500! Woo hoo!

Such an easy company to work with, their customer service is open all day and is American based (just makes communicating so much easier, esp when you have a problem or issue on your account, feels to good to know that the person on the other end of the phone understands your problem). I can't say enough great things about this company, and maybe its because I've been banished to the bottom feeders for so long due to my own young stupidity- but whatever it is, I love this card and am happy to share my opinion with any of you that might be ready to jump into the land of 'real' credit cards!

AFAIK, You don't have to let the balance report in order to get the cashback rewards. I PIF my balance weekly and I still see all of my purchases itemized for their rewards amount on my statement.

And congrats on your successful rebuild so far, and the CLI of your IT! 

[Shelly313]

yay!! Congrats!

[bobbay]

That is awesome!  Congrats on the card and the CLI.  You are on your way.