Frequent Contributor
Sweets8E
Posts: 262
Registered: ‎03-07-2009
Re: To those thinking of applying for Discover It

Rhaeny wrote:

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:

 

https://www.discovercard.com/cardmembersvcs/acqs/app/chooseMyOffer/cardMatch?fmoUpdatedValidationPar...

 

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.


 

The same thing happened to me when I app'd for my More card a few months ago. They asked me to setup online access yada yada and to call to expedite. The call was just to verify my info and I was approved right then. Sounds like the same is about to happen for you. This is a good sign.


Starting Score: 686 TU / 683 EQ 01/17/2013
Current Score: 703 TU / 691 EQ 10/04/2013 / 688 EX 11/12/2013
Goal Score: 700 across all three


Take the FICO Fitness Challenge