topic Re: Discover IT in Credit Cards

Discover IT

calliou — Wed, 24 Jun 2015 18:49:37 GMT

Any good?

Is it even worth trying?

Re: Discover IT

Anonymous — Wed, 24 Jun 2015 18:53:43 GMT

I love my Discover. 5% cashback on rotating categories and 1% on everything else. Right now they're doubling cash back for a year. So at the end of your first 12 months they double everything you've earned. Not to mention no AF and 0% APR for the first 12 months.

At the end of the day it's really about your needs and what works best for you... Discover might not be for everyone.

Re: Discover IT

PlasticOrPlastic — Wed, 24 Jun 2015 18:57:59 GMT

Best credit card I've ever had. Started at an $800 credit limit and less than a year later I'm sitting at $13000. They also drop my APR every time I request it, from 19.99% to 12.99%. The rewards are awesome and their customer service is second to none.

Re: Discover IT

Anonymous — Wed, 24 Jun 2015 19:14:42 GMT

I have had mine for a couple of months. I like them. The double cash back promo turns it into an all around 2% card (which keeps me from apping for the Citi Double Cash), they let you pick from a lot of card designs, their website is user friendly, and the customer service has been fantastic.

Re: Discover IT

Anonymous — Wed, 24 Jun 2015 20:26:47 GMT

I've just started with Discover but so far EVERYTHING about the card, from the card itself, to the service, website, apps, etc, is flawless...

I'm hoping to get the double cash back promo as well!

Re: Discover IT

morgacj2004 — Wed, 24 Jun 2015 21:07:08 GMT

I am still rebuilding my credit and they were willing to give me a card even with a BK still reporting. I have had several CL since and like the cashback bonus program they are currently offering. Great customer service.

Re: Discover IT

SOGGIE — Wed, 24 Jun 2015 23:38:46 GMT

I've had their card for several years. No probs. Excellent service.

Re: Discover IT

kdm31091 — Wed, 24 Jun 2015 23:41:37 GMT

Great card IMO and on a cash back basis it trumps the chase freedom. Discovers categories are broader. The cash back adds up easily. They have good customer service. Really no complaints.

Re: Discover IT

Anonymous — Wed, 24 Jun 2015 23:42:20 GMT

@SOGGIE wrote:
I've had their card for several years. No probs. Excellent service.

Obviously in a minority here, but their service (on the Miles card) has been pretty poor, getting wrong answers all the time. Probably because it is fairly new, but other issuers seem to cope with that (and it's not like Discover has lots and lots of different cards!)

Re: Discover IT

kdm31091 — Wed, 24 Jun 2015 23:44:07 GMT

What's wrong with the Miles card, Lurker?

Re: Discover IT

Anonymous — Wed, 24 Jun 2015 23:51:22 GMT

@kdm31091 wrote:
What's wrong with the Miles card, Lurker?

Nothing wrong with the card, just the service. I've asked "obvious" questions before and after applying, such as if Discover Deals is included, is there an EMV version, and get told yes, and then later get told that the answer is No.

It's nothing too terrible, but doesn't make Discover service stand out as others seem to find.

More annoyed by my app for the IT: being told by two people that having recently got a Miles card wouldn't be a block, then getting double pulled and denied because the I recently got a Miles card..... That was annoying