12-16-2012 08:31 PM
|No annual fee|
|100% U.S. based customer service available any time|
|No late fee for your first late payment|
|Paying late won't increase your APR|
|No overlimit fee|
|No foreign transaction fee|
|5% cash back in categories that change each quarter offered to all cardmembers|
|Unlimited 1% cash back, not points, on all other purchases|
|Pay for millions of items with your rewards at Amazon.com|
|Pay your bill 'til midnight (ET) the day it's due by phone or online|
|Choose your payment due date online or by phone|
|Lower rate, lower payment or other help after job loss|
|Automatic expedited delivery of your new card|
12-16-2012 09:21 PM
Also looks like links from website from Discover are being referred to Discover IT as well...saw an advertisement for Discover Open Road Student, clicked on it for giggles, and though it directs you to a website that says "apply now" for a Discover student card, it doesn't specify which one...hitting the "apply now" button forwards you on to the Discover IT benefits...
Looks like Discover is sticking to two flavors of personal cards from now until the forseeable future: Discover IT and Discover IT Student.
12-16-2012 11:49 PM
Sad to see them let the More card go. Tomorrow they probably will announce a revamp of their credit card products.
12-17-2012 01:39 AM
Wow, I just applied & got approved for the More on Wed. Also, chose 2 diff. card designs. Glad I apped when I did.
It looks like they are still offering the "Miles" card but I don't see the "Escape" card anywhere on the website.
Just a side note- the US based call centers is not specific to the "It" card, it applies to ALL Discover cards. Discover doesn't have overseas call centers. The benefit list on the "It" page lists the benefits of the "It" card to competitor cards, not to other Discover cards.
12-17-2012 02:10 PM
I contacted customer service regarding the rewards program and she said:
Now, Discover it offers a broad set of features designed to treat you right, all with no annual fee. Based on what customers have told us they want from a credit card, we have created an unrivaled combination of benefits that includes customer service from the U.S. whenever you want, and cash rewards on every purchase of a full 1% as of 12/16/12.
So it looks like that Terms and Conditions link is just old information that hasn't been updated yet.
12-17-2012 02:36 PM
According to Phone Rep I spoke with about applying Discover does not to Pre-Approvals ABOVE just buying information about people that "may" fit... she said they can not HP or SP someone without more info... I asked if this was a new Discover Thing because I was pretty sure the "pre-approval" link use to actually find offers based on a SP and had seen someone get approved after doing this... she said not possible.
So I again said okay is this a Discover thing because if you are saying banks can't do SP to offer cards to you based on SP you are very wrong... we have many banks these days that make offers on website after SP.
still not sure, I have found Discover reps being much more knowledgable and nice in the past 6+ months then this lady was.
oh well Im not applying.
as far as iT, think it's basically exact same as More, I would switch for the card design! lol
I've had a soft pull on EQ from Discover every week for the past 6 months. I've also received pre-approved offers every week for the past 6 months from them so I'd say this rep isn't all that educated. Funny how my offer has gone from 15.99% to 18.99% APR LOL. I'm not applying for the 15.99%, why would I do the 18.99?
These responses are not provided or commissioned by FICO. Responses have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.