Regular Contributor
Posts: 245
Registered: ‎12-27-2012

Discover mail offer

Hey all,


I am an existing Discover IT card holder for about a year and a half. I just received a mail offer from them. Should I try to use that? But that would be applying for the same that that I have. I don't mind getting another card from them even if it is same card for the sake of having an additional trade line.


Why would a bank/lender offer the same cc account for a different set of terms/conditions?



~ 100k in Rev CC. 15k Credit Line. 16.5k Car Loan(@1.7%) Starting scores: 690 EQ (Dec 2012) Mid-year FICO scores April ‘13 Pulled by lenders(Barclays, Amex): TU 747 • EQ 752 • EX 746 • Scores As of Nov 2013: 740 and above across the board.
Established Contributor
Posts: 648
Registered: ‎03-07-2013

Re: Discover mail offer

Well others may chime in on this but from what i was told from a prev CSR a person can only have one Discover IT card.. But who knows
Current Credit Cards
| PayPal MC: $10K | WalMart MC: $7.5K | Discover IT: $6.5K | USB Platinum: $5K | Sams MC: $5K |
| CapitalOne QS: $1.3K | AmEx TrueEarnings: $1.2K | AFCU Rewards: $1K | USB Select: $1K |

Goal Credit Cards
CapitalOne QuickSilver, Discover IT, Sam's MasterCard
AmEx EveryDay, US Bank Cash+
Last Application: 10/3/2014

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