Reply
Frequent Contributor
Posts: 281
Registered: ‎04-30-2008
0

Re: Do More Than 6 People Have Discover IT?

I have it. I wish they would offer more colors for its design, though. :smileyhappy:


myFICO Starting Scores: TU 643 03.10.09 EX 676 01.09.09 EQ 638 05.24.09
Current Score: (WalMart FICO) TU 792 04.03.13 (Mortgage Lender - HP) EX 745 02.06.13 (Mortgage Lender - HP) EQ 771 02.06.13
Goal Score: 800+


Take the FICO Fitness Challenge
Regular Contributor
Posts: 179
Registered: ‎12-08-2012
0

Re: Do More Than 6 People Have Discover IT?

[ Edited ]

Does anyone know what kind of scores they are approving people for this card? I'm curious to know if they are targeting more people with a lower average credit score because of the perks this card offers,

 

From what I've read I'm wondering why they would even offer this card when the majority of Discover card holders they approve already have a stellar credit history and make payments on time to begin with.

 

I'm just trying to understand what type of people they are trying to market this card to. It's just not making a lot of sense to me atm.

 

Okay, yesterday when I went to discover site and filled out the pre qualify info it said the More card was recommended along with 4 other cards as well. I did it again today and now it's only recomending the Discover IT card...

Amex BCP 12,500 - Amazon Chase Signature 10,000 - Discover It 8,000 - Walmart MC 7,500 - Citi Diamond 6,100 - Lowe's 6,000 - Fulton 6,000 - Amazon Store Card 2,000
Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: Do More Than 6 People Have Discover IT?


SE7EN57 wrote:

Does anyone know what kind of scores they are approving people for this card? I'm curious to know if they are targeting more people with a lower average credit score because of the perks this card offers,

 

From what I've read I'm wondering why they would even offer this card when the majority of Discover card holders they approve already have a stellar credit history and make payments on time to begin with.

 

I'm just trying to understand what type of people they are trying to market this card to. It's just not making a lot of sense to me atm.

 

Okay, yesterday when I went to discover site and filled out the pre qualify info it said the More card was recommended along with 4 other cards as well. I did it again today and now it's only recomending the Discover IT card...


They tryna competitive with other CC company like Citi, Chase, Amex ....etc......They  stand out with most of the best benefit so ppl might interest on their card more compare with other company. Specially the sexy look. Ppl keep complain about why its only one design but why I haven't heard nobody complain about their Blue CAsh Every or BCP or Blue sky and most all of their Amex card came with only unique design.

Discover IT + most of the benefit that come with the more. I wonder why wouldnt i want to convert to it with only one simple conversation with their CS !!??? Yoooo we get an extra benefit for free ??? There's no lost........Ppl would going crazy and compliment on your new card as a first Discover IT that they ever seen or hold on their hand. I work in sale department and swipe them plastic everday but never ever see Discover IT before.


Maybe Discover tryna do the earn more targets with their sharp sexy look and number stay on the back of the card. Those marketing pppl come with much more ideas and so far Discover would be my number 1 speding card with their 5% cash back quarter + shop Discover and 2% cash back bonus that offer every month.....Save me almost 100 so far and i only had the card for 24 days..........I love it.


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Frequent Contributor
Posts: 496
Registered: ‎11-13-2012
0

Re: Do More Than 6 People Have Discover IT?

@nicholasyud - so you got IT with the FICOs in your sig?  Are those FAKO or FICO?

 


GangnamFICO wrote:

Because the chicks dig it when I throw down the card to the waiter and...it comes in handy if I'm short on cash until payday and need a short spot. AMEX gets the booty, and that's important when you're a Pirate.


Minor vulgarity edit --Rev



Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: Do More Than 6 People Have Discover IT?


jake619 wrote:

@nicholasyud - so you got IT with the FICOs in your sig?  Are those FAKO or FICO?

 


They pull EQ 675 and TU 680 on me for their apps. I had the More and Convert to IT after 25 days :smileyvery-happy: Fico Score


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Regular Contributor
Posts: 181
Registered: ‎07-09-2011
0

Re: Do More Than 6 People Have Discover IT?


nicholasyud wrote:

jake619 wrote:

@nicholasyud - so you got IT with the FICOs in your sig?  Are those FAKO or FICO?

 


They pull EQ 675 and TU 680 on me for their apps. I had the More and Convert to IT after 25 days :smileyvery-happy: Fico Score


Do you have any negatives? I really want this card but am unsure of my approval chances. Results seem mixed.

 

Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: Do More Than 6 People Have Discover IT?

2 charge off CC in 2008 unpaid show $0 balance.


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Regular Contributor
Posts: 181
Registered: ‎07-09-2011
0

Re: Do More Than 6 People Have Discover IT?


nicholasyud wrote:

2 charge off CC in 2008 unpaid show $0 balance.


Thank you. I have one small medical collection. I think I'll keep to my plan and app in Feb 2013.

 

Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: Do More Than 6 People Have Discover IT?

goodluck


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.