topic Re: Why Discover. in Credit Card Applications

Why Discover.

Abelcrdn — Thu, 12 Jan 2017 10:50:56 GMT

So I see around here Discover seems to be pretty popular, what makes it a desirable card to have? Or does it fall into the same lines as American Express does? (Which is a goal card or a sign of achievement) I've tried looking at them, it's one of the few I don't have and I'm just curious. Thanks!

Re: Why Discover.

Anonymous — Thu, 12 Jan 2017 11:19:31 GMT

1. 1.5 percent cash back/no minimum.
2. Ability to change due date.
3. Can SP CLI very often.
4. American CSR.

Re: Why Discover.

Abelcrdn — Thu, 12 Jan 2017 11:23:52 GMT

Thanks for that! I get there free scoreboard so it just peeked my curiously. Which card do you have and what would you suggest? My scoreboard with them is 737 (any idea who they use) 3 inquires, no derogs or latex UTI is 14%? From what it says on here Best is to Lower it to under 10% ?

Re: Why Discover.

Anonymous — Thu, 12 Jan 2017 11:34:56 GMT

I have the Discover It; thats what my post was referring to with 1.5 percent cash back. You are correct that 1-9% util is best.

Google the credit pull database for the CRA they pull.

Re: Why Discover.

Anonymous — Thu, 12 Jan 2017 11:36:46 GMT

I think you have a good chance of approval. I was approved in the mid-600's.

Re: Why Discover.

AverageJoesCredit — Thu, 12 Jan 2017 11:55:47 GMT

If you get a Discover youll be the life of the party here at Ficoland

Re: Why Discover.

Abelcrdn — Thu, 12 Jan 2017 12:12:48 GMT

All my hopes and dreams will then my real ! Ha

Re: Why Discover.

Anonymous — Thu, 12 Jan 2017 13:19:11 GMT

Since when does Discover get 1.5% cash back? Mine is 1 or 5%.

Discovers customer service is the best in the industry.
Everything from the start including how they send your card to you is too notch
CLI are SP's and come frequent.
Rewards are great.
Discover Deals (which tins forget about) are Amazing and really can get you some $$$!
Website and App are great.

I just can't say enough good things about them.

Re: Why Discover.

Anonymous — Thu, 12 Jan 2017 13:55:09 GMT

@Anonymous wrote:
Since when does Discover get 1.5% cash back? Mine is 1 or 5%.

I was thinking the same thing.

I was always under the impression that Discover was 1%/5% after the first year, with the first year being 2%/10% due to the cash back match.

Re: Why Discover.

dragontears — Thu, 12 Jan 2017 14:01:22 GMT

Discover Miles is 1.5%

Re: Why Discover.

Random_idiot — Thu, 12 Jan 2017 14:45:20 GMT

I give zero **bleep**s about their benefits.

Free FICO score, high spending limits (which cushion smy uti; highest sl that I have currently), SP when you req CLI, and good customer service.

Re: Why Discover.

joltdude — Thu, 12 Jan 2017 16:16:36 GMT

Also for many accounts you can get double points for the first year..... (but the extra points will be doled out on your anniversary date)....

You can double 5%

You can double referral bonuses

You can even stack Discover Deals with double points..

Cashing out points is quick, easy and doesn't have say 25 or 50$ minimums..

Also if you use them for foreign transactions no FTF.. .. Iv used them for some Paypal and for some UK orders and it works..

Also accepted via Diners Club/JCB/Unionpay abroad (but it doesn't always work according to some, you also MUST tell Discover your traveling or it wont work)

Iv actually become fond of Discover with the SP CLI's, and I like their online portal for billing/statements/FICO scoring...

The gotcha.. its not Visa/MC/Amex.... but iv seldom had an acceptance problem in my area or in day to day use...

Re: Why Discover.

Anonymous — Thu, 12 Jan 2017 16:24:11 GMT

It's funny.... pre Obama years when the card companies were soooooo different... Discover was a PITA and nobody liked them. Small limits, no CLi.. hard to get. It was a card everyone wanted and then nobody wanted to keep.

After-they changed. Everything about them changed. It's great to see a company make changes that make them money and their customers happy.

Re: Why Discover.

Anonymous — Thu, 12 Jan 2017 20:14:58 GMT

@Anonymous wrote:
Discover was a PITA and nobody liked them.

What's a PITA? Like the piece of bread?

On OP's topic though I think almost everything has already been said at least once. I get the extra $20/yr for my grades as a student which is a nice bonus especially as I used each of my two bonuses for a $25 gift card. The CSR's have all been knowledgable and on the ball with a short wait time which is probably the biggest reason I love Disco. Something that you'd hopefully not need but is nice is that they sent a replacement card Fedex overnight when I needed it (original card was lost in the mail...).

Re: Why Discover.

Anonymous — Thu, 12 Jan 2017 22:35:38 GMT

I have DiscoverIt

I love the cash back at the grocery store feature

..Free Fico

..%5 rewards

..Can use rewards at Amazon

..sp cli's

Re: Why Discover.

Anonymous — Thu, 12 Jan 2017 23:28:34 GMT

Initially applied because i wanted one card from each main network. They have simply amazed me in the year and a half i have had them. Credit limit started at 3500 and to date is 26000. All SP CLI. Customer service is great whenever i call. I think its a cool feature to be able to have different designs up to five i believe. Also i noticed the other day if i wanted to take advanatage promotion they just deposit the cash straight into my bank account. Pretty cool overall to have.

Re: Why Discover.

oldman425 — Thu, 12 Jan 2017 23:32:44 GMT

I like Discover because they gave me a $5500 sl with okay scores and a BK still on my record.

Re: Why Discover.

Anonymous — Fri, 13 Jan 2017 05:39:23 GMT

Mine is only 1% cash back on all purcharses but it does have the 5% cash back categories quarterly. I just got my card and Discover was very generous with the SL of $7500. I like it so far and its my hightest CL. And after having credit one, Discover's customer service is amazing and I can understand what they are saying.

Re: Why Discover.

Anonymous — Fri, 13 Jan 2017 20:20:17 GMT

In the first year (half the year), you get essentially get 10% off of all Amazon purchases. I have saved over $300 alone just with Amazon in my first year of having the card.