Discover IT Mail Offer

[Anonymous]

I got one in the mail a few days ago as well. It was the purple mailer and a 3 point APR range. I'm coming up on 6 months of credit history, but I'd rather have the Miles card, so I'll wait.

[Anonymous]

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@mato01 wrote:

SInce I started my rebuild journey in 2014, I've finally gotten my first mail offer. It's for the Discover IT card. I'm in the garden, but am tempted because a 2014 Discover denial in 2014 was what made me look at my reports, and start the journey to rebuild. The offer is 0% into APR for 14 months, and after a APR of 16.24% - 19.24%. I do still have some baddies on my report. Are Discover mailers just promotional or is this good?

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In most cases and as previously stated, when you receive a small range of rates as you did it is a good sign. That being said, there are still not guarantees of approval. Good luck and hope you get approved if you decide to apply.

[GetMeSlick]

I too got the mailer from them. Its easy approval. May be the SL will be low based on your CR. GL.

[GetMeSlick]

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@Anonymous wrote:

I got one in the mail a few days ago as well. It was the purple mailer and a 3 point APR range. I'm coming up on 6 months of credit history, but I'd rather have the Miles card, so I'll wait.

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I m just curious. Is that discover Miles card good when compared to chase/cap 1/bofa?

i used bofa travel rewards to book flights within the Bofa Travelcentre application. I got 3% cashback to redeem on that transaction. And there are no limits imo.

[Anonymous]

GetMeSlick wrote:

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I m just curious. Is that discover Miles card good when compared to chase/cap 1/bofa?

i used bofa travel rewards to book flights within the Bofa Travelcentre application. I got 3% cashback to redeem on that transaction. And there are no limits imo.

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Nah the Discover Miles card really isn't anything special. It's not like you can transfer the miles to an airline partner, so it's basically a cash back card. After the first year it becomes 1.5%, but it's doubled to 3% in the first year. I mainly want it for two reasons: 1) I'm just getting started and it'd be easy to get a high limit with Discover and 2) I'd definitely use the $30 flight WiFi credit. Otherwise yeah, nothing special...I'd just prefer it over the Discover IT.

[Anonymous]

I want to apologize for the silly question - what is "gardening" or "being in the garden"?  Does this mean you working on improving your credit score??  Thanks. 

[mato01]

Got my third Discover IT offer in the mail today.

First offer - 0% intro APR for 12 months, and after a APR of 15.99-18.99, 0%

Second offer - 0% inttro APR for 14 months, and after a APR of 16.24% - 19.24%.

Third offer - 0% intro APR for 14 months, and after a APR of 13.24-16.24.

Getting better. Making it hard to keep in the  garden..............

By the way, whats the differences in the colors of the mailers?