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Discover - why should this make my list?

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Duncanrr
Valued Contributor

Discover - why should this make my list?

I'm done with any kind of credit card apps and CLI requests until June 2013.  The only cards I have that could get a CLI would be my Freedom and Chase Amazon but since they are HP's and since I want to save room in Chase's internal limit for my CSP card (which I will hopefully get in June Smiley Happy ) I'm stuck having to plan my next app spree.

 

One of the cards that Ive not really considered is a Discover card.  But I'm open to opinions on it.  Why should I get a Discover card?  What do people that have them like about the card and what do you typically use it for? (Daily use, online, etc.)  My current targets in June are SPG, CSP, BCP, Citi Forward and maybe Flex Perk, new charge card and maybe another NFCU product.

 

So why should I get a Discover card?



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750

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Message 1 of 54
53 REPLIES 53
Involus
Regular Contributor

Re: Discover - why should this make my list?

I want a Discover to replace Cap One once I decide to rid my report of them. Although like you, I'm not apping for a good long while.

 

But from experience of someone close to me - They do grow with you graciously and they take care of their customers atleast in this persons case - I want to say the have something in the ballpark of a 40k limit with Discover. Although their scores are 815+ and make well over 100k

Message 2 of 54
webhopper
Moderator Emeritus

Re: Discover - why should this make my list?

2 reasons.... Shop discover!
FICO 8:
Goal: Gardening!
Message 3 of 54
creditnocash
Valued Contributor

Re: Discover - why should this make my list?

im interested as well. 

with a freedom, amex zync and my hard pull free 5k bank card im done apping unless amex. 

 

discover, and citi, and us bank are on my next to do in a couple years. 

 



Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23

Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0


2023 Goals:
Buy A Home
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

Message 4 of 54
jsickz32
Valued Contributor

Re: Discover - why should this make my list?

the reason i wanted a Discover card is because you get 5% off everything at sixflags lol also because i wanted a card from every big bank

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 5 of 54
Mustangfrank
Regular Contributor

Re: Discover - why should this make my list?

5% cash back from vendors which change quarterly.

This quarter it is  up to $1,500 in purchases at Department Stores and for Online Shopping from October through December.

 

 

The best customer service of all the cards.

Amex Zync NPSL 9/12, Amex CostcoTrue Earnings $10K 9/12
Amex BCE $3K 9/12 (Amex Back Dated to 1983)
Chase Sapphire Preferred $17K 11/12, Chase Freedom $7K 11/12
Discover More $750 11/12
CapitalOne Platinum Secured Card 2K 2/12 (Closed 12/12)
FICO: EQ = 804 EX = 802(Amex) TU = 801(Discover)
Message 6 of 54
creditnocash
Valued Contributor

Re: Discover - why should this make my list?


@jsickz32 wrote:

the reason i wanted a Discover card is because you get 5% off everything at sixflags lol also because i wanted a card from every big bank


lol yeah.  5% on a 8 dollar hotdog. 

 

discover was plastered over six flags. 



Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23

Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0


2023 Goals:
Buy A Home
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

Message 7 of 54
jsickz32
Valued Contributor

Re: Discover - why should this make my list?


@creditnocash wrote:

@jsickz32 wrote:

the reason i wanted a Discover card is because you get 5% off everything at sixflags lol also because i wanted a card from every big bank


lol yeah.  5% on a 8 dollar hotdog. 

 

discover was plastered over six flags. 


lol you also get 5% off flash passes and those can cost alot per person.

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 8 of 54
Anonymous
Not applicable

Re: Discover - why should this make my list?

Bought a pair of shoes through shop discover, got 20% off on the site, and 15% cash back through discover. 35% off baby. Love discover. 

Message 9 of 54
creditnocash
Valued Contributor

Re: Discover - why should this make my list?


@jsickz32 wrote:

@creditnocash wrote:

@jsickz32 wrote:

the reason i wanted a Discover card is because you get 5% off everything at sixflags lol also because i wanted a card from every big bank


lol yeah.  5% on a 8 dollar hotdog. 

 

discover was plastered over six flags. 


lol you also get 5% off flash passes and those can cost alot per person.


i live about 15 minutes away from six flags, and have been once in about 5 years. (which was this september) 

there werent many long lines besides superman and batman and even then no more then a 10 minute wait. 

 

is it 5%off (cashback) on the tickets to get in as well? season passes? we paid 220 for 4 of us to get in and we had about 6 adults and 2 kids. think of the cash back....

 

as for shop discover. 

chase also has something similar that is called ultimate rewards mall which offers up too 10% that ive seen + the 1% you usally get unless its the 5% category. 



Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23

Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0


2023 Goals:
Buy A Home
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

Message 10 of 54
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