@B335is wrote:
Ooh an anti-Discover thread! Just checking in
I don't blame you for shutting it down, besides the annoyance of not honoring the 0% offer, it's really just another 123 card. A lot of people take hard pulls for CLI and get $200 increase. It's hard for it to grow into anything meaningful unless you put a lot of spend or BT om it.
The fineprint on almost every CC application not so clearly indicates that promotions like 0% APR offers are conditioned on the applicant meeting unspecified criteria. Simply put, it's not uncommon for an applicant to get approved for a card but not for an advertised promotion. Unfortunately, most people fail to read the fineprint and blame the issuer for reneging on an offer they feel they are owed. Simply put, we have a case of hidden disclosures (norm in the industry) and hasty applicants who fail to read all the terms (norm for most applicants, including me).
As far as the original post, not all cards work for everyone. Hopefully you have better experiences with other lenders. I like Discover as a company due to their nice customer service and the Shop Discover portal. Their card, however, is rarely in my wallet since I have cards that cover most of the rotating 5% categories.
@Anonymous wrote:
@B335is wrote:
Ooh an anti-Discover thread! Just checking in
I don't blame you for shutting it down, besides the annoyance of not honoring the 0% offer, it's really just another 123 card. A lot of people take hard pulls for CLI and get $200 increase. It's hard for it to grow into anything meaningful unless you put a lot of spend or BT om it.The fineprint on almost every CC application not so clearly indicates that promotions like 0% APR offers are conditioned on the applicant meeting unspecified criteria. Simply put, it's not uncommon for an applicant to get approved for a card but not for an advertised promotion. Unfortunately, most people fail to read the fineprint and blame the issuer for reneging on an offer they feel they are owed. Simply put, we have a case of hidden disclosures (norm in the industry) and hasty applicants who fail to read all the terms (norm for most applicants, including me).
As far as the original post, not all cards work for everyone. Hopefully you have better experiences with other lenders. I like Discover as a company due to their nice customer service and the Shop Discover portal. Their card, however, is rarely in my wallet since I have cards that cover most of the rotating 5% categories.
So you got what you expected rather than deceived with the switch and bait. Good for you.
@Firehorse wrote:
@Anonymous wrote:
@B335is wrote:
Ooh an anti-Discover thread! Just checking in
I don't blame you for shutting it down, besides the annoyance of not honoring the 0% offer, it's really just another 123 card. A lot of people take hard pulls for CLI and get $200 increase. It's hard for it to grow into anything meaningful unless you put a lot of spend or BT om it.The fineprint on almost every CC application not so clearly indicates that promotions like 0% APR offers are conditioned on the applicant meeting unspecified criteria. Simply put, it's not uncommon for an applicant to get approved for a card but not for an advertised promotion. Unfortunately, most people fail to read the fineprint and blame the issuer for reneging on an offer they feel they are owed. Simply put, we have a case of hidden disclosures (norm in the industry) and hasty applicants who fail to read all the terms (norm for most applicants, including me).
As far as the original post, not all cards work for everyone. Hopefully you have better experiences with other lenders. I like Discover as a company due to their nice customer service and the Shop Discover portal. Their card, however, is rarely in my wallet since I have cards that cover most of the rotating 5% categories.
So you got what you expected rather than deceived with the switch and bait. Good for you.
If you are referring to me, I did get the 0% 18 month intro APR offer with my Discover IT. I never did put it to use though because a 0% APR offer has very limited use for me. I was merely pointing out to the other poster that Discover is not the only issuer to do this.
