@longtimelurker wrote:
@grillandwinemaster wrote:Really? That's great😀
I'm wondering why you don't hear too much chatter about it? I would think all the cashback kings \queens would be all over the 3% cash back for a year promo.
A number of us were excited. At the beginning though, a lot of people got denied, as it seemed to have quite a high approval threshold (don't know if that is true now). But, to pre-empt KDM, except at high levels of spend, the difference between 2% and 3% is pretty small (and the big win for those that had it was the Apple Pay promo). I did some MS on it, and got the bonus, now the card is S/D.
I still believe the IT Miles card has unreasonably high underwriting criteria. It took me 3 attempts to get approved for it, and they still gave me the highest interest rate when I did finally get it this past March with a 761 EQ. Similarly, I'll be SDing mine after the first year and only using it for the Wifi credit. Not surprisingly, purchasing Wifi was actually the only time I was really able to use Discover last week in Europe.
@kdm31091 wrote:
Honestly, the requirement to have two log ins is a turn off for me. It's not that big of a deal, but it's ridiculous that it's that way in 2016.
I completely agree. It is ridiculous. I actually have 3 logins for Discover: IT, IT Miles, and for the checking account I opened with them for the $300.00 bonus last year. I'm sure Discover will love to hear separate logins as one of the reasons I close one or two of those accounts in the near future...
@Sharingan wrote:
@longtimelurker wrote:
@grillandwinemaster wrote:Really? That's great😀
I'm wondering why you don't hear too much chatter about it? I would think all the cashback kings \queens would be all over the 3% cash back for a year promo.
A number of us were excited. At the beginning though, a lot of people got denied, as it seemed to have quite a high approval threshold (don't know if that is true now). But, to pre-empt KDM, except at high levels of spend, the difference between 2% and 3% is pretty small (and the big win for those that had it was the Apple Pay promo). I did some MS on it, and got the bonus, now the card is S/D.
I still believe the IT Miles card has unreasonably high underwriting criteria. It took me 3 attempts to get approved for it, and they still gave me the highest interest rate when I did finally get it this past March with a 761 EQ. Similarly, I'll be SDing mine after the first year and only using it for the Wifi credit. Not surprisingly, purchasing Wifi was actually the only time I was really able to use Discover last week in Europe.
761 Equifax, and barely got approved? I guess I can kiss my Triple D's idea good bye!
@Sharingan wrote:
@kdm31091 wrote:
Honestly, the requirement to have two log ins is a turn off for me. It's not that big of a deal, but it's ridiculous that it's that way in 2016.I completely agree. It is ridiculous. I actually have 3 logins for Discover: IT, IT Miles, and for the checking account I opened with them for the $300.00 bonus last year. I'm sure Discover will love to hear separate logins as one of the reasons I close one or two of those accounts in the near future...
What was the Discover $300 promotion? I was also contemplating opening up a Discover checking account to stay the cash back in until I get enough fur a trip were planning. Any chance they may bring that promo back?
@grillandwinemaster wrote:
@Sharingan wrote:
@longtimelurker wrote:
@grillandwinemaster wrote:Really? That's great😀
I'm wondering why you don't hear too much chatter about it? I would think all the cashback kings \queens would be all over the 3% cash back for a year promo.
A number of us were excited. At the beginning though, a lot of people got denied, as it seemed to have quite a high approval threshold (don't know if that is true now). But, to pre-empt KDM, except at high levels of spend, the difference between 2% and 3% is pretty small (and the big win for those that had it was the Apple Pay promo). I did some MS on it, and got the bonus, now the card is S/D.
I still believe the IT Miles card has unreasonably high underwriting criteria. It took me 3 attempts to get approved for it, and they still gave me the highest interest rate when I did finally get it this past March with a 761 EQ. Similarly, I'll be SDing mine after the first year and only using it for the Wifi credit. Not surprisingly, purchasing Wifi was actually the only time I was really able to use Discover last week in Europe.
761 Equifax, and barely got approved? I guess I can kiss my Triple D's idea good bye!
I don't think Discover has been particularly amenable to my credit profile for years now. I have no negatives, but I do agree with the suspicions that Discover doesn't really like profiles with a lot of available credit and open accounts. So that is likely why my terms weren't great for my recent Discover IT Miles approval.
@grillandwinemaster wrote:
@Sharingan wrote:
@kdm31091 wrote:
Honestly, the requirement to have two log ins is a turn off for me. It's not that big of a deal, but it's ridiculous that it's that way in 2016.I completely agree. It is ridiculous. I actually have 3 logins for Discover: IT, IT Miles, and for the checking account I opened with them for the $300.00 bonus last year. I'm sure Discover will love to hear separate logins as one of the reasons I close one or two of those accounts in the near future...
What was the Discover $300 promotion? I was also contemplating opening up a Discover checking account to stay the cash back in until I get enough fur a trip were planning. Any chance they may bring that promo back?
Discover ran a checking account promotion late last year for current credit card customers. You received $300 (and a 1099 
) after fulfilling some conditions. I believe it was a few direct deposits for at least a certain amount. I'm not sure when or if they will run a similar promotion again.