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New Contributor
Posts: 56
Registered: ‎11-29-2008
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Re: Discover Card....Why NOW!

My boss has the Discover More card and he really loves it. I don't own it and I love it. It's one card that i would've applied for if they took Discover in more locations.
Established Contributor
Posts: 630
Registered: ‎06-20-2007
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Re: Discover Card....Why NOW!

Yes, I'm not sure I want to do anything that will change my current status with any of my accounts I have been lucky not to have any CLD's and don't want to prompt anything negative. So applying is a serious decision for me. No inq's for over a year.
9/18/08 TU=707 EQ=706 EX=702
New Contributor
Posts: 51
Registered: ‎01-23-2009
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Re: Discover Card....Why NOW!

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.

Frequent Contributor
Posts: 368
Registered: ‎02-07-2008
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Re: Discover Card....Why NOW!

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.



"Knowledge is of no value unless you put it into practice."- Anton Chekhov
4/11 TU 743 4/11 EQ 763
Posts: 94
Registered: ‎02-02-2009
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Re: Discover Card....Why NOW!

I have Discover More and I love it. It's my main card now. Their cash back program is great.Smiley Very Happy
In 1900, if a father put a roof over his family's head, he was a success.
Today, it takes a roof, deck, pool, and 4-car garage. And that's just the vacation home.
Moderator Emerita
Posts: 28,095
Registered: ‎04-01-2007

Re: Discover Card....Why NOW!

The only places we haven't been able to use ours are little mom-and-pop type stores. Even doctors are taking it now! --still holding off on AmEx, though. Smiley Wink
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Established Contributor
Posts: 935
Registered: ‎08-17-2007

Re: Discover Card....Why NOW!

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!

FICOS: TU 732(05-16-16) EQ '08 739( 05-16-16) EX 737 (08-17-16)
Valued Contributor
Posts: 1,749
Registered: ‎08-18-2007
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Re: Discover Card....Why NOW!

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.

Valued Contributor
Posts: 3,017
Registered: ‎06-03-2008
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Re: Discover Card....Why NOW!

RenoFico wrote:

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.
Established Contributor
Posts: 536
Registered: ‎08-26-2008

Re: Discover Card....Why NOW!

[ Edited ]
The only thing holding me back from applying for the Discover More card is the low (in my opinion) maximum cash back limit. Sometimes the maximum limit is $ 20 per quarter (5% cash back on up to $ 400) while at other times the limit is $ 40 per quarter (5% cash back on up to $ 800).

Also, another feature/limitation (depending on your point of view) is that the categories for which you can earn 5% cash back change each quarter: (link)

After you've reached your $ 80 or $ 160 maximum cash back for the year, then what you do with the card ? Sockdrawer it until next year ?

For everyday purchases, the cashback rate is tiered:
* .25% if the purchase is part of your first $1,500 in total annual purchases
* .50% if the purchase is part of your second $1,500 in total annual purchases,
* 1.0% if the purchase is part of your total purchases in excess of $3,000

If a lot of your purchases are online, then I guess you might be able to make use of the "Shop Discover" rewards -- "Get 5% to 20% Cashback Bonus at over 100 retailers": (link)


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.

Message Edited by MojaveMoon on 02-02-2009 03:39 PM

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