Direct Rewards

[Anonymous]

Hi, I applied for a Discover Card, was denied. I was approved for a HSBC Direct Rewards card. My question....is this a cc (on the order of a Discover card but thru HSBC)?

thanks

[Anonymous]

There are a bunch of threads discussing this card.  You might try doing a search for "direct rewards discover" in the search box.  You may see references to Direct Merchants Bank, which offered the card before HSBC took it over.

[Anonymous]

Thanks for the reply. I did the search and found out alot of info.

[Anonymous]

You're very welcome!

Oh, and a big "welcome to the fora" to you! 

[Anonymous]

I applied for Discover too and was denied but approved for the HSBC Discover card too.  I just received it yesterday ($750 credit limit).  The card has "Direct Rewards Platinum" on top, but the Discover logo on the bottom so when I use it I have to choose "Discover" from the card choices.\

I'm using the same site I used for my other HSBC card to manage my account.

[Anonymous]

how long did it take you to get the card?

[Anonymous]

It took about 10 days.  First, I got a letter giving me the card details (interest rate, etc...) and about three days later the card arrived.

[Anonymous]

Congrats on the new DMB Discover! I had one of these and it was great having a Discover card in the repertoire.

$750 is a good starting CL from them. Most people (myself included) start at $300 with a $59 AF.

[Anonymous]

when did you get your first cli with the 300 initial cl

( i have the same cl with the same af)

[Anonymous]

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joffogle wrote:

when did you get your first cli with the 300 initial cl

( i have the same cl with the same af)

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I'm not Fretless, but I'll share my experience.  I started w/ the card in Aug 06 w/ a 1k limit/no AF.  In Feb 08 I rec'd an auto-CLI to 1.5k.  (If they reviewed at 6 mo and 12 mo I'm pretty sure the card was around 95% util, hence, no CLI.)