Discover really tempting me!

[Anonymous]

I've been planning to app for the discover it miles card for a while. Plan to app after Feb. I have 3 cc's that will hit a yr at that point and one left that hits a year in april. I know April isn't that much longer then Feb, but I really want this card now. They have sent me soooo many prequals in the mail for the IT. I've been getting them for a few months. Just got another yesterday. White envelopes, green, pink, copper... when I don't respond, it seems they send me a new color thinking maybe I won't resist the next pretty color. Lol. I keep saying I'll wait and then I get another offer. Lol. I have yet to see a mailer for the miles card. Do they ever send that out?

[AverageJoesCredit]

Wow, yeah Discover is a weird temptress. Maybe once you get all colors youll know its time. By chance what ranges are you getting?. In all my mailers, 6, all have been for It!. Id imagine if you want Miles youll have to cold app though i could be wrong.

[Anonymous]

Lol. I think blue may be the only color I'm missing. They do have ranges. 16-19%. Somewhere in there. Not specific, but smaller range than what's actually available for it. Too bad they won't allow a real way to prequalify online. Sounds like miles will definitely be cold app.

[brother7]

Any negatives on your credit reports? What are your scores like? If they're 660+, I'd probably apply now.

I have friends who, with only 1 credit card on their report, waited for their 6th statement to cut, then applied for Discover it and were approved.

[Anonymous]

I think I'd be approved, but I've added a lot of new accounts this year, so trying to lay low and not cause a problem with my current lenders. Apped and approved for 5 credit cards this year, closed one, and added a new car loan. Waiting for things simmer down some. Don't want any AA!

[AverageJoesCredit]

Yeah that could be a key with Discover. Give it a couple more months as you establish a little time with your new accounts. The weird thing with them is when you think youd be approved is when you find out you arnt and when you think no way, hello new card.

I think the vast majority of mine were purple envelopes but the last one i received had nothing on outside to indicate it was a Disco mailer. Strange times indeed

[Anonymous]

AJC, that's true. I hear the miles card can be tougher to obtain than the IT too. So who knows if I'll get it. Part of my having to wait when I don't want to wait strategy. Lol. Maybe my chances will increase by then.

[AverageJoesCredit]

Any particular reason youd want the Miles over the It?

[austinguy907]

I don't think they send out the Miles invites because when you pre-qual with them they're pushing the IT card as the main option.  For those not familiar with the Miles/ NHL/ or whatever else they offer they don't show it as they're older types of options. If you're seeing a small subset of APR then you're on track for an approval.  Waiting it out until you're ready though might get you a single APR instead of a range which would pretty much be guaranteed to be approved.  

[Anonymous]

Yeah, I had a thread on it somewhere. My new apartment allows credit card payments for rent, but a visa payment is like $62. All I have are visas. Def not worth the cash back. Mastercard or discover is about $3.33 for the transaction. Still gives me high cashback value on my highest monthly expense. I don't really want a citi dc card. The other mastercards seem to have af's or not as good a return as the citi dc. Then there is the miles card. No fee. 3% back the first year and 1.5% after that. Still higher return than a normal 1% card. The IT is just another 1% card after the first year. My main spend is non-category spend. I have my chase freedom card for the categories and it's paired with the unlimited, and eventually, the csp.