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Unless you shop online, where you can take advantage of ShopDiscover,
Chase Freedom > Discover More.
* Discover has this spending tier where you need to spend $3000 above annually to get 1% base cashback.
* Discover imposes tiny cap on bonus category vs Chase.
* Discover has some "weak" categories, like grocery for only a month.
* In terms of acceptance, Discover will never beat Visa/MC.
@trumpet-205 wrote:
* Discover has this spending tier where you need to spend $3000 above annually to get 1% base cashback.
I did not know that! That's cheesy! But yep, I see that in their FAQ now. Wow.
I would app for them both if I were you.
@steve23111 wrote:
@trumpet-205 wrote:
* Discover has this spending tier where you need to spend $3000 above annually to get 1% base cashback.I did not know that! That's cheesy! But yep, I see that in their FAQ now. Wow.
Also, stores like Walmart and Dollar Tree falls into warehouse/discount category, as such, always earn 0.25% cashback on Discover More.
Personally, Discover More is the weakest 5% rotating cashback CC. Unless you shop online frequently, and can take advantage of ShopDiscover that is.
Chase Freedom > Citi Dividend > Discover More.
Well, I just pulled the trigger and applied for the Chase Freedom. Got the "Decision Pending" page, will be notified within 10 days. Oh well.
did you call the BACKDOOR number to do RECON. it could be something simple as verifing some info or may need to ask about something on your CR. i CANNOT see chase dening you the card with your kind of scores. the number is 1-888-245-0625. i would def. take a minute to call as you have already taken a HP
And what do I do, just ask to check on the status of the application?
yea, you will be directly speaking with a credit analyst. tell them you just apped for the freedom and got the 7-10 message and that you were wondering if they needed some additonal info to approve the application. at any point in the conversation the analyst tells you your online app was denied tell him you would like to request a RECONSIDERATION or manuel review of the applicaton. it should go well in your direction.if you dont mind, come back here and update me on what happens and if you have any more questions, good luck
They want an account number or reference number. I don't have either one.