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Discover IT

New Visitor

Discover IT

Just got my Discover IT card in the mail, what does everyone think of this card?

AMEX / DISCOVER IT / SEARS / WALMART / BARCLAY MASTER CARD / AMAZON STORE / LUMBER LIQUIDATORS / LOWES / HOMEDEPOT / MACYS / OLD NAVY / TARGET / OLD NAVY / NFM / CAP ONE / BEST BUY
Message 1 of 37
36 REPLIES
Mega Contributor

Re: Discover IT

Eh.

Rewards are nice they are too conservative on raising credit limits for me.



EQ FICO 548 3/3/16
Message 2 of 37
Valued Contributor

Re: Discover IT

Awesome looking card. This is now my favorite card when i do online shopping. I got 15% cashback by using their shopdiscover.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 3 of 37
New Visitor

I applied online and was declined then got a call from th...

I applied online and was declined then got a call from them the next day offring me  0% 18months with a 2500 limit is that normal with them. 

AMEX / DISCOVER IT / SEARS / WALMART / BARCLAY MASTER CARD / AMAZON STORE / LUMBER LIQUIDATORS / LOWES / HOMEDEPOT / MACYS / OLD NAVY / TARGET / OLD NAVY / NFM / CAP ONE / BEST BUY
Message 4 of 37
Valued Contributor

Re: I applied online and was declined then got a call from th...


tallen30 wrote:

I applied online and was declined then got a call from them the next day offring me  0% 18months with a 2500 limit is that normal with them. 


Very normal! My boyfriend applied with Discover, got denied, and they called him as well to offer him a different card with different terms since they couldn't approve him initially Smiley Happy


Quicksilver WMC $20k | JCPenney Platinum $10k | Drive for Five $800 | Freedom VS $5k | TD Cash VS $5k | CFU VS $14.8k | Blue Sky $13.7k | IT $28k | SavingStar $14.8k | BCE $11.3k | Macy's AMEX $7.2k | BuyPower WEMC $7.5k | CSR VI $13.3k | Diamond Preferred $6.5k FICOS: EX 775 EQ 764 TU 759 VantageScore 3.0: EX 759 EQ 757 TU 762
Message 5 of 37
Valued Contributor

Re: Discover IT

I wasnt denied but i was asked to call because they couldnt approve me for the 0% apr promo. Instead they approved me for the 3.99% for 6 months
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 6 of 37
Frequent Contributor

Re: Discover IT


tallen30 wrote:

Just got my Discover IT card in the mail, what does everyone think of this card?


Between the quarterly 5% cashback & ShopDiscover bonuses, I have been lovingthis card so far Smiley Happy

Start: Nov'12 EQ 699/EX 685/TU 696 / Current: April''14 EQ 715/EX 709/TU 709 * Goal 750+


Message 7 of 37
Valued Contributor

Re: Discover IT

Congrats on your Discover!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 8 of 37
Regular Contributor

Re: Discover IT

Congratulations! This is a great card. I've been eyeing it for a year but wasn't sure if my profile would get me a decent limit and I was on the fence about their rewards. I went ahead and applied recently and to my surprise they gave me my highest limit yet - almost double what my highest card is currently.

 

Their rewards are awesome. They offer random 2% spending days, rotating 5% categories, Shop Discover for extra points and everything else at 1%. Their customer service is top notch. I don't think I've ever been as pleased with a card. And to think this was the card I was the least excited about apping for.

Message 9 of 37
Member

Re: Discover IT

I was just approved moments ago. Yeah! they offered me 3.99% for the first 6 months, but I didn't check what my credit limit was. I guess I'll have to wait to see what my credit limit will be! I can finally bury my overpriced, low income easy qualifying card in the sock drawer for all eternity! (applied bank BOO!)

EX 629 TU 640 EQ 660
Message 10 of 37