topic Re: Got my Discover IT Chrome Secured in Credit Cards

Got my Discover IT Chrome Secured

MyLoFICO — Thu, 25 Feb 2016 22:43:19 GMT

I can certainly understand why everyone likes this card, other than the rewards that is, it is quite an attractive card and in a box no less. If they do this for the secured cards, I cannot imagine what they must do for you folks with really nice limits and scores. Anyway, got my new daily use card in the mail and now to use the hell out of it. Wishing I put more than $200 on it but I can fix that when they let me add more.

Re: Got my Discover IT Chrome Secured

wednesdayaddamsd — Thu, 25 Feb 2016 22:56:35 GMT

Congratulations! I have the IT card and I don't recall it coming in any special box? Maybe it did...Can't remember. I ordered the cute pink card with the monogram and I do love it, but my limit is so small ($500) I don't get a chance to pull it out often....Best of luck with yours!

Re: Got my Discover IT Chrome Secured

MyLoFICO — Thu, 25 Feb 2016 23:10:54 GMT

Thanks. Right now I am waiting for them to send me a security code for online access. It's taking forever.

Re: Got my Discover IT Chrome Secured

msbia — Thu, 25 Feb 2016 23:23:23 GMT

OP I started mine with $200 and that was before they added this new add money twist lol. I rode that $200 for 11 months until it graduated last January. It's now at $4k, as they gave me $500 extra a graduation and kept gifting! Enjoy your new card, I remember the excitement at having that lovely box as well.

Re: Got my Discover IT Chrome Secured

Anonymous — Fri, 26 Feb 2016 03:50:00 GMT

I just got approved for this card and am sooooo excited! I'm still in shock over the approval. They just took the security deposit yesterday. How long did it take to get your card after that? I can't wait. It won't be official until I have that card in my hands

Re: Got my Discover IT Chrome Secured

Anonymous — Fri, 26 Feb 2016 07:10:10 GMT

@MyLoFICO wrote:
I can certainly understand why everyone likes this card, other than the rewards that is, it is quite an attractive card and in a box no less. If they do this for the secured cards, I cannot imagine what they must do for you folks with really nice limits and scores. Anyway, got my new daily use card in the mail and now to use the hell out of it. Wishing I put more than $200 on it but I can fix that when they let me add more.

Congrats!

Mine came in a lovely welcome box as well - mine's an It card, not Chrome but still Secured. I still have my blue box it came in in my 'important documents' box in my closet.

Absolutely love the card and use the crap out of it. Mine hasn't graduated yet (it's almost 15 months old) but hoping it'll graduate soon.

Re: Got my Discover IT Chrome Secured

MyLoFICO — Fri, 26 Feb 2016 12:17:16 GMT

@msbia wrote:
OP I started mine with $200 and that was before they added this new add money twist lol. I rode that $200 for 11 months until it graduated last January. It's now at $4k, as they gave me $500 extra a graduation and kept gifting! Enjoy your new card, I remember the excitement at having that lovely box as well.

Originally I planned to not add money to it but I have changed my mind since then. I think I am going to nurture this one rather than both of my QS1's. I will merge those and then I will have enough spending to justify using this one and PIF several times a month.

Re: Got my Discover IT Chrome Secured

MyLoFICO — Fri, 26 Feb 2016 12:18:41 GMT

@Anonymous wrote:
I just got approved for this card and am sooooo excited! I'm still in shock over the approval. They just took the security deposit yesterday. How long did it take to get your card after that? I can't wait. It won't be official until I have that card in my hands

My funds were drafted on 2-16 and I have the card on the 25th so 9 days.

Re: Got my Discover IT Chrome Secured

MyLoFICO — Fri, 26 Feb 2016 12:22:45 GMT

Funny, I save mine too for all my cards. Not sure why. lol. I will have to look up the difference in the Chrome IT and IT cards. I didn't know there was different ones. It looks cool so that can't be a good thing. I bet it goes like this: Chrome: Higher APR and low CLI's. That would be my kind of luck. The mag strip being chrome is really cool. So when this graduates, will it be considered a Prime card?

Re: Got my Discover IT Chrome Secured

Anonymous — Fri, 26 Feb 2016 13:32:54 GMT

I received my IT card yesterday too. It came in a pretty red box. Very professional packaging. Hopefully their customer service and benefits are just as professional.

Re: Got my Discover IT Chrome Secured

Anonymous — Fri, 26 Feb 2016 14:08:01 GMT

I'm jealous, buy the time I qualify for their secured I'll qualify for all their cards

Re: Got my Discover IT Chrome Secured

Vegas4Play — Fri, 26 Feb 2016 14:08:56 GMT

Congrats welcome to the discover family!!!

Re: Got my Discover IT Chrome Secured

Anonymous — Fri, 26 Feb 2016 16:36:34 GMT

If you really want it, you should try. Youre scores are highter than mine, as you can see, AND I have a $5k CO with Discover from 2009 that is still unpaid, yet they approved me for the secured! I literally could not believe it; I had to call them to correct something on my application and fully expected to be immediately routed to collections. But, their CS department was SO, SO NICE and the old CO account was never even mentioned.

Re: Got my Discover IT Chrome Secured

Anonymous — Fri, 26 Feb 2016 18:22:48 GMT

@MyLoFICO wrote:
Funny, I save mine too for all my cards. Not sure why. lol. I will have to look up the difference in the Chrome IT and IT cards. I didn't know there was different ones. It looks cool so that can't be a good thing. I bet it goes like this: Chrome: Higher APR and low CLI's. That would be my kind of luck. The mag strip being chrome is really cool. So when this graduates, will it be considered a Prime card?

The difference is the reward structure. The It Chrome has static 2% back at Gas Stations and Restaurants and 1% back everywhere else, and the Discover It has the 5% rotating categories and 1% everywhere else. So far as I know, the APR and growth potential is about the same and has more to do with your personal profile than anything else.

Discover is what is considered a prime lender who occasionally offers a product to a subprime borrower.

Re: Got my Discover IT Chrome Secured

MyLoFICO — Fri, 26 Feb 2016 18:37:26 GMT

@Anonymous wrote:
@MyLoFICO wrote:
Funny, I save mine too for all my cards. Not sure why. lol. I will have to look up the difference in the Chrome IT and IT cards. I didn't know there was different ones. It looks cool so that can't be a good thing. I bet it goes like this: Chrome: Higher APR and low CLI's. That would be my kind of luck. The mag strip being chrome is really cool. So when this graduates, will it be considered a Prime card?
The difference is the reward structure. The It Chrome has static 2% back at Gas Stations and Restaurants and 1% back everywhere else, and the Discover It has the 5% rotating categories and 1% everywhere else. So far as I know, the APR and growth potential is about the same and has more to do with your personal profile than anything else.

Discover is what is considered a prime lender who occasionally offers a product to a subprime borrower.

Thanks. If they made the decision to do Chrome based on my habits then their system is spot on. I like an effortless card. My QS1's get alot more Cb than I thought they ever would so I am looking forward to adding this to the mix.

Re: Got my Discover IT Chrome Secured

Anonymous — Fri, 26 Feb 2016 18:45:50 GMT

@MyLoFICO wrote:
@Anonymous wrote:
@MyLoFICO wrote:
Funny, I save mine too for all my cards. Not sure why. lol. I will have to look up the difference in the Chrome IT and IT cards. I didn't know there was different ones. It looks cool so that can't be a good thing. I bet it goes like this: Chrome: Higher APR and low CLI's. That would be my kind of luck. The mag strip being chrome is really cool. So when this graduates, will it be considered a Prime card?
The difference is the reward structure. The It Chrome has static 2% back at Gas Stations and Restaurants and 1% back everywhere else, and the Discover It has the 5% rotating categories and 1% everywhere else. So far as I know, the APR and growth potential is about the same and has more to do with your personal profile than anything else.

Discover is what is considered a prime lender who occasionally offers a product to a subprime borrower.
Thanks. If they made the decision to do Chrome based on my habits then their system is spot on. I like an effortless card. My QS1's get alot more Cb than I thought they ever would so I am looking forward to adding this to the mix.

The Secured Card that can be direct app'd for now is a Chrome card, not a regular It. I got mine the 'old' way as a counter offer and I think I've read a few people saying they've done PCs into the It from the It Chrome, but they are different products completely. You app'd for an It Chrome if that's what you got.

Re: Got my Discover IT Chrome Secured

MyLoFICO — Tue, 07 Feb 2017 18:56:25 GMT

Well I am back here once more. Old thread but it has been 1 year since I got IT Secured. Waiting to see if she graduates or not. I honestly don't know what to expect.

Re: Got my Discover IT Chrome Secured

austinguy907 — Tue, 07 Feb 2017 20:01:40 GMT

It should be ready to convert. Give them a call and see what's up. Since they changed the policy to review at month 7 they've been converting like clockwork it seems. Maybe they just need a little nudge.