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New Visitor
Posts: 3
Registered: ‎02-23-2013
0

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
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Discover IT

Eh.

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



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
Posts: 1,987
Registered: ‎06-25-2012
0

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)
New Visitor
Posts: 3
Registered: ‎02-23-2013
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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
Valued Contributor
Posts: 1,906
Registered: ‎11-17-2012
0

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 :smileyhappy:

Capital One Quicksilver World Mastercard $20k | JCPenney Gold $10k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $13.7k | Discover IT $11.5k | SavingStar American Express $14.8k | American Express BCE $11.3k

FICOS: EX 764 EQ 704 TU 745 VantageScore 3.0: EX 745 EQ 752 TU 752 Credit Sesame (EX) 754 Credit.com (EX) 788
Valued Contributor
Posts: 1,987
Registered: ‎06-25-2012
0

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)
Frequent Contributor
Posts: 463
Registered: ‎11-28-2012
0

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 :smileyhappy:

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


Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Discover IT

Congrats on your Discover!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Regular Contributor
Posts: 181
Registered: ‎07-09-2011
0

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.

Member
Posts: 7
Registered: ‎03-27-2012
0

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
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