topic Re: Discover it question in Credit Cards

Discover it question

Cageym — Sat, 29 Sep 2012 23:39:38 GMT

So if I went to Discover's pre-approval site (I'm just shocked it worked at all) and was pre-approved for a Discover More is there a good chance I would be approved for the IT as well? I'm not sure I even want to app right now anyway since with less than 2 years AoAA I got a Zync and a Delta Gold so my AoAA has already taken a huge hit. And I want to at least wait until I see if I get the 61 day 3x in November, but I was just curious based on others experience. As always thanks in advance.

Re: Discover it question

LS2982 — Sat, 29 Sep 2012 23:48:15 GMT

@Cageym wrote:
So if I went to Discover's pre-approval site (I'm just shocked it worked at all) and was pre-approved for a Discover More is there a good chance I would be approved for the IT as well? I'm not sure I even want to app right now anyway since with less than 2 years AoAA I got a Zync and a Delta Gold so my AoAA has already taken a huge hit. And I want to at least wait until I see if I get the 61 day 3x in November, but I was just curious based on others experience. As always thanks in advance.

When you are ready, it is likely that if your qualified for the More, you should be OK for the IT.

Re: Discover it question

maiden_girl — Sat, 29 Sep 2012 23:56:22 GMT

@LS2982 wrote:
@Cageym wrote:
So if I went to Discover's pre-approval site (I'm just shocked it worked at all) and was pre-approved for a Discover More is there a good chance I would be approved for the IT as well? I'm not sure I even want to app right now anyway since with less than 2 years AoAA I got a Zync and a Delta Gold so my AoAA has already taken a huge hit. And I want to at least wait until I see if I get the 61 day 3x in November, but I was just curious based on others experience. As always thanks in advance.
When you are ready, it is likely that if your qualified for the More, you should be OK for the IT.

I was curious about the IT when I applied for the More. I read your post that you were approved for the IT. Are there any big differences with the IT? Is the IT better than the More rewards wise?

Re: Discover it question

Cageym — Sun, 30 Sep 2012 00:03:15 GMT

Here's a link: https://www.discover.com/credit-cards/index-beyond.html?gcmpgn=0712_ZZ_srch_gsap_txt&srchQ=discover IT&srchS=internet_cm_corp&srchC=internet_cm_fe&srchP=1 and a thread: http://ficoforums.myfico.com/t5/Credit-Cards/Discover-IT-Application-Link/m-p/1568220#M431260 but there are plenty of threads here.

Re: Discover it question

LS2982 — Sun, 30 Sep 2012 00:17:34 GMT

@maiden_girl wrote:
@LS2982 wrote:
@Cageym wrote:
So if I went to Discover's pre-approval site (I'm just shocked it worked at all) and was pre-approved for a Discover More is there a good chance I would be approved for the IT as well? I'm not sure I even want to app right now anyway since with less than 2 years AoAA I got a Zync and a Delta Gold so my AoAA has already taken a huge hit. And I want to at least wait until I see if I get the 61 day 3x in November, but I was just curious based on others experience. As always thanks in advance.
When you are ready, it is likely that if your qualified for the More, you should be OK for the IT.

I was curious about the IT when I applied for the More. I read your post that you were approved for the IT. Are there any big differences with the IT? Is the IT better than the More rewards wise?

Rewards structure is the same. The differences are:

@-You can make a payment to your account and it post for same business day cutoff @ 12 Midnight instead of 5pm EST.

-You will not be charged a fee for your first late payment

I may have missed some differences but others will chime in.

It is more geared towards first time applicants and the younger crowd. Very nice looking card too!!

Re: Discover it question

maiden_girl — Sun, 30 Sep 2012 00:27:13 GMT

@LS2982 wrote:
@maiden_girl wrote:
@LS2982 wrote:
@Cageym wrote:
So if I went to Discover's pre-approval site (I'm just shocked it worked at all) and was pre-approved for a Discover More is there a good chance I would be approved for the IT as well? I'm not sure I even want to app right now anyway since with less than 2 years AoAA I got a Zync and a Delta Gold so my AoAA has already taken a huge hit. And I want to at least wait until I see if I get the 61 day 3x in November, but I was just curious based on others experience. As always thanks in advance.
When you are ready, it is likely that if your qualified for the More, you should be OK for the IT.

I was curious about the IT when I applied for the More. I read your post that you were approved for the IT. Are there any big differences with the IT? Is the IT better than the More rewards wise?

Rewards structure is the same. The differences are:

@-You can make a payment to your account and it post for same business day cutoff @ 12 Midnight instead of 5pm EST.
-You will not be charged a fee for your first late payment

I may have missed some differences but others will chime in.

It is more geared towards first time applicants and the younger crowd. Very nice looking card too!!

I guess I'm not missing out on anything having my card converted to an IT then...lol thanks LS2982 I do wonder about that late payment thing. Discover doesn't charge a fee...but do they still report it to the bureaus? It would be kind of a pointless feature if they did...lol

Re: Discover it question

LS2982 — Sun, 30 Sep 2012 00:42:10 GMT

@maiden_girl wrote:
@LS2982 wrote:
@maiden_girl wrote:
@LS2982 wrote:
@Cageym wrote:
So if I went to Discover's pre-approval site (I'm just shocked it worked at all) and was pre-approved for a Discover More is there a good chance I would be approved for the IT as well? I'm not sure I even want to app right now anyway since with less than 2 years AoAA I got a Zync and a Delta Gold so my AoAA has already taken a huge hit. And I want to at least wait until I see if I get the 61 day 3x in November, but I was just curious based on others experience. As always thanks in advance.
When you are ready, it is likely that if your qualified for the More, you should be OK for the IT.

I was curious about the IT when I applied for the More. I read your post that you were approved for the IT. Are there any big differences with the IT? Is the IT better than the More rewards wise?

Rewards structure is the same. The differences are:

@-You can make a payment to your account and it post for same business day cutoff @ 12 Midnight instead of 5pm EST.
-You will not be charged a fee for your first late payment

I may have missed some differences but others will chime in.

It is more geared towards first time applicants and the younger crowd. Very nice looking card too!!

I guess I'm not missing out on anything having my card converted to an IT then...lol thanks LS2982 I do wonder about that late payment thing. Discover doesn't charge a fee...but do they still report it to the bureaus? It would be kind of a pointless feature if they did...lol

I believe they still report it.

Your not missing out on much, but its a painless PC if you ever decide to do it from the More.

Re: Discover it question

jsucool76 — Sun, 30 Sep 2012 01:18:34 GMT

Cageym did it actually say you were pre-approved or did it say "recommended cards"

Discovers pre-approval is kind of odd.

Re: Discover it question

LS2982 — Sun, 30 Sep 2012 01:22:27 GMT

@jsucool76 wrote:
Cageym did it actually say you were pre-approved or did it say "recommended cards"

Discovers pre-approval is kind of odd.

I've never been able to get a pre-approval from their website.

Re: Discover it question

jsucool76 — Sun, 30 Sep 2012 01:29:58 GMT

It doesnt say pre-approved LS. There is some tricks to finding out whether or not you've been pre-approved.

After you put in your info and get the "recommended card", you have to click the link that says "go to card builder" or something like that, and in there it will either say "sorry" or "congrats"

Another one, that i actually read about on myfico was if you scroll all the way down, and there is the opt in/out notice, that means pre-approval, but i dont know about that 100%

Re: Discover it question

LS2982 — Sun, 30 Sep 2012 01:31:21 GMT

@jsucool76 wrote:
It doesnt say pre-approved LS. There is some tricks to finding out whether or not you've been pre-approved.

After you put in your info and get the "recommended card", you have to click the link that says "go to card builder" or something like that, and in there it will either say "sorry" or "congrats"

Another one, that i actually read about on myfico was if you scroll all the way down, and there is the opt in/out notice, that means pre-approval, but i dont know about that 100%

Oh ok, well its a little late for that now that I got one but ill keep that in mind

Re: Discover it question

jsucool76 — Sun, 30 Sep 2012 01:36:00 GMT

Just give me yours and then you can app for a different one....

Re: Discover it question

LS2982 — Sun, 30 Sep 2012 01:37:50 GMT

@jsucool76 wrote:
Just give me yours and then you can app for a different one...

hmmm...... Sure!

Re: Discover it question

Anonymous — Sun, 30 Sep 2012 03:59:53 GMT

@LS2982 wrote:
@jsucool76 wrote:
Cageym did it actually say you were pre-approved or did it say "recommended cards"

Discovers pre-approval is kind of odd.
I've never been able to get a pre-approval from their website.

Same... it can never "find me in their systems"

Re: Discover it question

Anonymous — Sun, 30 Sep 2012 04:35:10 GMT

@Anonymous wrote:
@LS2982 wrote:
@jsucool76 wrote:
Cageym did it actually say you were pre-approved or did it say "recommended cards"

Discovers pre-approval is kind of odd.
I've never been able to get a pre-approval from their website.

Same... it can never "find me in their systems"

I got the same answer when I click the "why wasn't I pre-approved"

"We were not able to pre-approve you

Since we couldn't find you in our records, we are unable to provide you with pre-approved offers. This may be due to a number of common circumstances including:

If you recently changed your address
If you placed a freeze on your credit

You can still apply for any of the card offers you build in CardBuilder."

Re: Discover it question

LS2982 — Sun, 30 Sep 2012 11:57:53 GMT

@Anonymous wrote:
@Anonymous wrote:
@LS2982 wrote:
@jsucool76 wrote:
Cageym did it actually say you were pre-approved or did it say "recommended cards"

Discovers pre-approval is kind of odd.
I've never been able to get a pre-approval from their website.

Same... it can never "find me in their systems"
I got the same answer when I click the "why wasn't I pre-approved"

"We were not able to pre-approve you
Since we couldn't find you in our records, we are unable to provide you with pre-approved offers. This may be due to a number of common circumstances including:
If you recently changed your address
If you placed a freeze on your credit
You can still apply for any of the card offers you build in CardBuilder."

Well that explains it

However, I have lifted my freezes before and tried and still came up with nothing, maybe they heven't been able to SP when they try.

Re: Discover it question

Cageym — Sun, 30 Sep 2012 13:21:02 GMT

Now I have to go back and see what it actually says! Thanks guys! EDIT: It comes back as a recommended card, and if I click on card builder it says "We were unable to pre-approve you based on the information provided". No worries, I was going to end up waiting 6 months or so anyway, and with NFCU and 2 Amex's I'm not all that concerned right now.LOL

Re: Discover it question

Anonymous — Sun, 30 Sep 2012 16:32:05 GMT

Just for the record, a CSR told me they use the same criteria both both cards so I would go ahead and apply for the It instead of the more as it is being phased out and has less perks.