topic Discover It in Credit Cards

Discover It

creditgambler2018 — Sun, 26 Feb 2017 05:07:28 GMT

Just got approved for the Discover It card with a 4k starting limit. First Discover card ever..

feels strange getting a discover card - I am so used to mastercard and visa... Only reason I apped is for the 0 percent Balance transfer... Not sure if I will keep it after the 14 months promo...

I will take advantage of the 0 percent balance transfer for 14 months.

Questions:

Is discover a network similar to master card in my cap one qs card or discover is a network and the bank 2 in one sorta deal ?

Does Discover automatically issue CLI from time to time without even requesting them?

If not If I request it is it a soft or hard inquiry? How often can the account be CLI ed?

Thanks guys. Correct my ignorance if i am wrong, but for some reason i think Pulling out a Discover card from my wallet at a restaurant or hotel to pay for it I think it will feel a little, how would I say it so the moderators dont trip, i think it would feel kind of unmanly. (i am a guy by the way) Am I dumb for thinking this?

I am so used to my Capital One QS and it is my go to card that gets the job done card with no issues.

In YOUR OPINION, WHICH CARD IS BETTER OVERALL:

Cap One QS mastercard or the Discover it card

Re: Discover It

creditgambler2018 — Sun, 26 Feb 2017 05:19:11 GMT

I feel like an idiot for asking the following questions.... I have never had a discover card....

We all know cards that are either master card or visas with card numbers, expiration and 3 digit code, and name on card....

Are discover cards the same way? Number on front, expiration, and security number?

If lets say I want to put my cell phone bill on the discover card on auto pay, will I sound like a complete Jackassss and dumb when I ask

"hey do you guys take discover card? i want to change my auto pay card from mastercard to discover"?

for some reason I have the impression that discover cards are for hotels and traveling.

I have either not seen the discover card logo at stores or i have not paid attention.

Re: Discover It

Anonymous — Sun, 26 Feb 2017 05:26:29 GMT

More stores take Discover than AMEX. Neither are as popular as MC/V, though.

At this point, I think all of the Disc cards have just their logo on the front, and all customer info (name, acct #, security code, and sig panel) on the back.

Like MC/V, Disc has a 16-digit account number (AMEX is 15 digits). Their number starts with a 6 (MC is 5, Visa is 4, and AMEX is 3). They have a 3-digit security code, just like MC/V (AMEX has 4, for some reason)

If you go to your cell phone's website, they should tell you what cards they take (I dont know any retailer that major that doesn't take all four)

I think that answers all of your questions. Keep in mind, there is no such thing as a stupid question (better to ask, than assume incorretly)

I think Disc is a better card than Cap 1, in most ways (I actually like both of them, so I am not just anti-Cap 1, thinking anything is better), and those are two good cards to start with.

Re: Discover It

austinguy907 — Sun, 26 Feb 2017 05:59:17 GMT

@elcocaino2010 wrote:
Just got approved for the Discover It card with a 4k starting limit. First Discover card ever.. this is a good opening limit.

feels strange getting a discover card - I am so used to mastercard and visa... Only reason I apped is for the 0 percent Balance transfer... Not sure if I will keep it after the 14 months promo... Disco treats people better than most other companies.

I will take advantage of the 0 percent balance transfer for 14 months.

Questions:

Is discover a network similar to master card in my cap one qs card or discover is a network and the bank 2 in one sorta deal ? I've had mine for almost 2 years now and I've not run into any place yet that it doesn't work at. I've had 1 place that didn't take AMEX though.

Does Discover automatically issue CLI from time to time without even requesting them? in the first 90 days you should potentially see 1 AUTO CLI. every other time for me at least has been self requested. I have a couple of threads on my 1st year and another one with additional helpful tips

If not If I request it is it a soft or hard inquiry? How often can the account be CLI ed? SP unless you ask for a HP to go higher than they come back with... in my threads

Thanks guys. Correct my ignorance if i am wrong, but for some reason i think Pulling out a Discover card from my wallet at a restaurant or hotel to pay for it I think it will feel a little, how would I say it so the moderators dont trip, i think it would feel kind of unmanly. (i am a guy by the way) Am I dumb for thinking this? why would pulling out a card feel weird? I can see if you had a bright pink card or something with Daisies on it but, the matte finish on Disco shouldn't feel weird. If you don't like the pattern you get in the mail you can change it to one of about 50 different logos.

I am so used to my Capital One QS and it is my go to card that gets the job done card with no issues. Disco will do the same

In YOUR OPINION, WHICH CARD IS BETTER OVERALL:

Cap One QS mastercard or the Discover it card Cap1 gets a little weird when it comes to some things like a CLI only every 6 months and if you don't spend enough they won't put it through. Disco actually likes low spenders and will give you the world every other month once you get the ball rolling.

http://ficoforums.myfico.com/t5/Credit-Card-Approvals/My-first-year-with-Discover-Data-Points/m-p/4705523

http://ficoforums.myfico.com/t5/Credit-Cards/Discover-unOfficial-Data-Points/m-p/4802538

Take a read and if you have any other questions feel free to ask on the unofficial one... I think we managed to cover alot of the questions and scenarios you might come across.

Re: Discover It

Anonymous — Sun, 26 Feb 2017 08:17:05 GMT

My friend actually just got Discover and she got a card with Daisies on it without requesting it

I've run into a few places that didn't accept Discover usually in smaller cities they only take Visa or MasterCard, then there's Costco who will accept Discover online but not in store.

Personally I think the matte Black Discover is a more manly looking card than any of my others but to each their own.

Limit increases are usually a soft pull as others have said.

Re: Discover It

Chris679 — Sun, 26 Feb 2017 10:38:45 GMT

@elcocaino2010 wrote:
Just got approved for the Discover It card with a 4k starting limit. First Discover card ever..

feels strange getting a discover card - I am so used to mastercard and visa... Only reason I apped is for the 0 percent Balance transfer... Not sure if I will keep it after the 14 months promo...

I will take advantage of the 0 percent balance transfer for 14 months.

Questions:

Is discover a network similar to master card in my cap one qs card or discover is a network and the bank 2 in one sorta deal ?

Does Discover automatically issue CLI from time to time without even requesting them?

If not If I request it is it a soft or hard inquiry? How often can the account be CLI ed?

Thanks guys. Correct my ignorance if i am wrong, but for some reason i think Pulling out a Discover card from my wallet at a restaurant or hotel to pay for it I think it will feel a little, how would I say it so the moderators dont trip, i think it would feel kind of unmanly. (i am a guy by the way) Am I dumb for thinking this?

I am so used to my Capital One QS and it is my go to card that gets the job done card with no issues.

In YOUR OPINION, WHICH CARD IS BETTER OVERALL:

Cap One QS mastercard or the Discover it card

Online you will have no issues at all with Discover being accepted. Overall it will be rare to find a place that does not accept it. My take on Discover is that everything is great about it except the actual rewards. Love the free FICO, love the SP CLI that have been very generous. They have lowered my APR numerous times. The CSRs are top notch, etc. It's like a restaurant with great service, low prices, real fancy looking but the food sucks. I'm sure lots of people will disagree but personally I just hate the rotating category cards. Don't want to keep track of them, don't use em. QS you know what you are getting every time. Like Taco Johns, its not the greatest in world, yeah you can do better but it won't let you down.

Re: Discover It

Anonymous — Sun, 26 Feb 2017 20:02:20 GMT

@Anonymous wrote:
My friend actually just got Discover and she got a card with Daisies on it without requesting it

I've run into a few places that didn't accept Discover usually in smaller cities they only take Visa or MasterCard, then there's Costco who will accept Discover online but not in store.

Personally I think the matte Black Discover is a more manly looking card than any of my others but to each their own.

Limit increases are usually a soft pull as others have said.

Well, if you are a hockey fan, they have cards for every NHL team. I had absolutely no problem (and no cost, either) getting my team's card.

Re: Discover It

AverageJoesCredit — Sun, 26 Feb 2017 20:58:51 GMT

Discover rocks, great card to pull out in front of the ladies , just tell them anyone can get a visa or mc , but to have a Discover, means youve made it past the Chimps and are in Prime Ape territory

Re: Discover It

Anonymous — Sun, 26 Feb 2017 23:09:23 GMT

There is nothing whimpy or cheesy about using the Discover card. (That's the words you were looking for, right? ) I have an awesome purple one, and my hubby chose the bronze for his AU card on the same account. I think it is very cool looking with the clean front and all the info on the back.

The only place state side that I have found that didn't take Disc was BWW.

I love the rotating category cards personally. I use Disc all the time right now since I am in my first year 2x bonus period. When that ends, I will use Disc for categories, BCE for gas/groceries and QS or FU for everything else.

Re: Discover It

Anonymous — Sun, 26 Feb 2017 23:17:51 GMT

Because of the 5% cat I rack up. And the first year double down. I plan big projects around the 5%. I have already have my 2nd quarter project scoped out. They gave me my best limit. I have a Citi Dc I use alot also

Re: Discover It

Anonymous — Sun, 26 Feb 2017 23:57:34 GMT

Hey, elcocaino2010! First of all, congratulations on joining the Disco family!

I love the Discover card because of the 5% categories. There are more than just the rotating 5% categories too, just check out Discover Deals through you online account. ACE Hardware comes to mind because I was shopping for a Yeti cooler with some retro pay I received, and found it at ACE Hardware, purchased through Discover Deals and got $20 cashback, which will double when I get my match after 12 months. Just an example. There are even stores that have 10% cashback. I love my Quicksilver too, but the Discover is one of my two fave cards, along with my jetBlue Plus.

As for not being manly, I'm assuming you didn't get the pink monogram or red daisy design. There are plenty of manly looking Discover designs. My husband got the American flag one, and it's really nice, but the solid brown or spruce look nice too. Plus, if you get one you don't like, they will send you another for free. I have three active designs right now, the garnet, ocean blue, and red gerbera daisy.

Re: Discover It

creditgambler2018 — Mon, 27 Feb 2017 00:42:49 GMT

Is it automatic to get the 5 percent or yoi have to "sign up" for it?

If someone forgets to sign up for the 5 perxent category r they SOL?

Re: Discover It

Anonymous — Mon, 27 Feb 2017 00:57:36 GMT

You do have to activate the categories, but they are available about a month ahead of the start of the quarter, and they are right on the front page when you log in so it is easy to remember.

@elcocaino2010 wrote:
Is it automatic to get the 5 percent or yoi have to "sign up" for it?

If someone forgets to sign up for the 5 perxent category r they SOL?

Re: Discover It

Anonymous — Mon, 27 Feb 2017 01:00:10 GMT

@elcocaino2010 wrote:
Is it automatic to get the 5 percent or yoi have to "sign up" for it?

If someone forgets to sign up for the 5 perxent category r they SOL?

You do have to activate the quarterly categories and, if you miss the beginning, I believe you can activate and use them from that point on.

Discover Deals are standing deals. If something is listed on Discover Deals, it is available.

Re: Discover It

Anonymous — Mon, 27 Feb 2017 01:21:16 GMT

I got my Discover card 2 years ago and it had about a $8K limit. Now it's $22k and they are always very easy to deal with. I just posted about their offer for 0% APR on balance transfers. The promo offer I received was with a 3% transfer fee. They actually offered it to me for 2% after I said I really wanted to use them for the BT, however I had an offer from another company (Comenity) for 1%. When she said 2%, I jumped right on it. My Discover card is the Pittsburgh Penguins logo card and I get a lot of nice comments on it at the stores. The CLI are soft pulls approximately every 60 days. No, they're not as widely accepted as Visa/MC but still more places accept it than AMEX.

Re: Discover It

Anonymous — Mon, 27 Feb 2017 01:23:18 GMT

Congrats on your new Discover card! I personally LOVE the card, much much more than Cap1. I have never had an issue with it not being accepted besides at Costco. You can also change your card design at any time. I get really bored with card designs and have probably had 5 so far? I have a soft pink now...super manly lol. Discover are SP's for the most part, although they will tell you if they're going to HP. My card started at $8k a year ago in December and is now at $26,000. It grows like a weed! Make sure to sign up for the 5% each quater and take a look through their deals, and most of all enjoy your card!

Re: Discover It

SouthJamaica — Mon, 27 Feb 2017 01:27:49 GMT

@elcocaino2010 wrote:
Just got approved for the Discover It card with a 4k starting limit. First Discover card ever..

feels strange getting a discover card - I am so used to mastercard and visa... Only reason I apped is for the 0 percent Balance transfer... Not sure if I will keep it after the 14 months promo...

I will take advantage of the 0 percent balance transfer for 14 months.

Questions:

Is discover a network similar to master card in my cap one qs card or discover is a network and the bank 2 in one sorta deal ?

Does Discover automatically issue CLI from time to time without even requesting them?

If not If I request it is it a soft or hard inquiry? How often can the account be CLI ed?

Thanks guys. Correct my ignorance if i am wrong, but for some reason i think Pulling out a Discover card from my wallet at a restaurant or hotel to pay for it I think it will feel a little, how would I say it so the moderators dont trip, i think it would feel kind of unmanly. (i am a guy by the way) Am I dumb for thinking this?

I am so used to my Capital One QS and it is my go to card that gets the job done card with no issues.

In YOUR OPINION, WHICH CARD IS BETTER OVERALL:

Cap One QS mastercard or the Discover it card

1. IMHO the Cap One QS mastercard is much better, and I agree that QS is a good card to use as your 'go to' card that gets the job done with no issues.

2. Some businesses don't even accept Discover.

3. Wait 91 days to ask for CLI. Then try 61 day intervals after that. They give frequent CLI's but are very unpredictable as to amount. All CLI requests are soft pull.

Re: Discover It

SouthJamaica — Mon, 27 Feb 2017 01:28:55 GMT

@elcocaino2010 wrote:
I feel like an idiot for asking the following questions.... I have never had a discover card....

We all know cards that are either master card or visas with card numbers, expiration and 3 digit code, and name on card....

Are discover cards the same way? Number on front, expiration, and security number?

If lets say I want to put my cell phone bill on the discover card on auto pay, will I sound like a complete Jackassss and dumb when I ask

"hey do you guys take discover card? i want to change my auto pay card from mastercard to discover"?

for some reason I have the impression that discover cards are for hotels and traveling.

I have either not seen the discover card logo at stores or i have not paid attention.

No they're just like any other credit card, except that some companies don't accept them.

Re: Discover It

AverageJoesCredit — Mon, 27 Feb 2017 01:39:58 GMT

I got the spruce green but was thinking of updating to the mixtape or the new gold. I even like the beach scene, very...Scenic)

Re: Discover It

Anonymous — Mon, 27 Feb 2017 01:42:47 GMT

The gold is really cool, but if the black one comes out I might be tempted.