Difference between these two Discover cards?

Anonymous · ‎01-15-2015

What are the differences between the two following Discover cards? I see that one requires 5 star credit, while the other requires 4 star credit

http://i.imgur.com/moTLOaY.jpg

-Wade- · ‎01-15-2015

1 is for 14 months at 0% on BT & purchase, the other is 18 months at 0% for BT and 6 months at 0% on purchase

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******

Anonymous · ‎01-15-2015

They both have excellent credit listed as a requirement. Although I really dont think thats accurate when it comes to this card. The stars dont pertain to credit they are the rating of each card. Same benefits but each card has different terms

kdm31091 · ‎01-15-2015

Actually no, the bottom is one 0% for 18 months on balance transfers and 0% for 6 months on purchases.

The top one is the better deal (and harder to obtain), 0% for both transfers and purchases for 14 months.

Anonymous · ‎01-15-2015

@Anonymous wrote:
They both have excellent credit listed as a requirement. Although I really dont think thats accurate when it comes to this card. The stars dont pertain to credit they are the rating of each card. Same benefits but each card has different terms

I know it's not accurate. They gave me one!

Anonymous · ‎01-15-2015

@Anonymous wrote:
What are the differences between the two following Discover cards? I see that one requires 5 star credit, while the other requires 4 star credit

http://i.imgur.com/moTLOaY.jpg

Think of it like Barclay's with their different offers for the same cards.

Anonymous · ‎01-15-2015

@Anonymous wrote:
@Anonymous wrote:
They both have excellent credit listed as a requirement. Although I really dont think thats accurate when it comes to this card. The stars dont pertain to credit they are the rating of each card. Same benefits but each card has different terms
I know it's not accurate. They gave me one!

lol Me too! And my credit was hardly excellent at the time. Still isnt

Anonymous · ‎01-15-2015

@Anonymous wrote:
They both have excellent credit listed as a requirement. Although I really dont think thats accurate when it comes to this card.

I got the Discover It (for students) the week I turned 18 with absolutely nothing in my credit report so you most definitely do not need excellent credit!

-Wade- · ‎01-15-2015

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
They both have excellent credit listed as a requirement. Although I really dont think thats accurate when it comes to this card. The stars dont pertain to credit they are the rating of each card. Same benefits but each card has different terms
I know it's not accurate. They gave me one!
lol Me too! And my credit was hardly excellent at the time. Still isnt

i know of people that got the card with a score under 700 score

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******

Anonymous · ‎01-15-2015

@-Wade- wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
They both have excellent credit listed as a requirement. Although I really dont think thats accurate when it comes to this card. The stars dont pertain to credit they are the rating of each card. Same benefits but each card has different terms
I know it's not accurate. They gave me one!
lol Me too! And my credit was hardly excellent at the time. Still isnt
i know of people that got the card with a score under 700 score

I got one with a 637 EQ FICO..

I just checked and I have a 18 month 0% APR BT offer in my BT offers section of my account.