02-01-2009 08:06 PM
02-01-2009 09:27 PM
I would say go for it!
If you got the pre-app and you are in the 700's with no recent inquiries you should be a shoo-in.
They are very consistent on the cutoff and payment due date. The only quirk is that you can only pay every 3 days.
It's a great card.
02-02-2009 12:54 AM
02-02-2009 04:20 AM
02-02-2009 08:15 AM
My More card will be a year old in April and I love it!! I love the "shopdiscover section" of their site---have really racked up extra rewards doing my on line shopping there.
And I love the rewards. I redeemed points at Christmas for gift cards....and $20 in rewards got me $25 on the gift card!
I think you should be fine with your scores. They don't always give instant approval. When I apped on line from a preapproval offer, got a 7-10 daymessage, but next day I got a call from them to confirm info on app and then was approved.
My CL is only $2K, but I'm still thrilled to have it. It's really become my go-to card!
02-02-2009 08:39 AM
Definitely it is a good card. Good Customer Service and cash back rewards.
They also give very good Balance Transfer offers.
With your scores and no inq for last year, i would go for it.
let us know what happens if you decide to do it.
02-02-2009 02:32 PM
I've heard others make the statement about it not being accepted at a lot of location. I have never had a problem using it anywhere, may i'm just luck.
I made that same statement when I first got the card and then I quickly realized that it's accepted nearly everywhere I go. Very rarely do I come across any place that does not take Discover. When I do those generally are businesses that don't take Amex either, and seem to be strictly Visa/MC merchants.
02-02-2009 03:20 PM - edited 02-02-2009 03:39 PM
When I make a purchase, do I get up to 1% Cashback Bonus in addition to the ShopDiscover offer?
Yes, unless otherwise provided in the offer.