Valued Contributor
Posts: 1,507
Registered: ‎07-24-2011
Re: To those thinking of applying for Discover It

HiLine wrote:

Don't. Apply for the More instead.


First of all, the benefits of the card aren't all clear. It may be missing some perks that the Discover More offers.


Secondly, the It doesn't have a card builder function while the More still does. You can select your introductory benefits for the More through the following link:


Thirdly, you can easily switch from the More to the It if the latter proves superior with time.


That's all. Thanks for reading.

Lordy, when I read this I just dropped the hammer and app'd.  Got the dreaded 5-7 day message yet they asked me if I wanted to set up my online access, which I did.  But why would it ask me to set up online access if I'm not approved?  It also says something about in order to expedite the process to call a number to speak with a specialist.  They pulled EQ and my score has dropped a bit to 704 from all the apps and approvals.  


Oh well it was too late to call as they closed at midnight.  If they approve me I tell you what, you can just blow me over with a feather.  I've had a darn good streak the last few months with ALL approvals for everything that I app'd for.  I will stay optimistic on this app but this is the first time that I am feeling not so confident about an approval.

Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014