Got the Discover It today, need advice

[sideshowmer]

My card just arrived today and I would like to know the best way to tend to this card. I got the card with a 0.0% APR offer til 6/2015, how should I best utilize this offer? Any other advice with using this card would be appreciated as well, it rewards etc....

[milkshakes]

can't give advice on the APR since i always PIF but as far the rest:

as with all rotation cards, make sure that you sign up for the 5% bonus every cycle. April is the start of the new cycle, so you should be able to sign up now so you can earn the bonus. Discover has a great rewards shopping mall. great way to maximize points.

[sideshowmer]

So would I just sign up online for this 5% bonus and will they give it to me because i just go the card?

[-Wade-]

---

@sideshowmer wrote:

So would I just sign up online for this 5% bonus and will they give it to me because i just go the card?

---

You have to sign up every quarter in order to get the 5% bonus

[striehl8212]

---

Like milkshakes said, you actually have to sign up for the rotational categories, but it's literally just one click of a button. Hardest part is remembering to do it. The online account is my favorite amongst all my cards. Easy to navigate and everything is there for you. ShopDiscover is great and $1 for $1 with Amazon is a good deal too. Amazon is where all my rewards dollars have gone, but you can also use them as statement credit. The good thing with 0% APR for a year is you can carry a balance if you want and not worry about interest. Discover never seemed to worry about my balances and I had high utilizations on that card at times. So, if you have any purchases you want to make, don't feel like you can't use the card. Discover is a great company and will work with you as long as you don't abuse the card. Excited for you! 

[milkshakes]

yup. every quarter when they rotate bonuses you just have to click a couple buttons to sign up for it. always automatically approved for it -- they even send emails (iirc) to let you know that you can sign up for the next rotation bonus. a tad annoying that they don't just give it to you, but im assuming there's some legalese involved in why they require you to opt-in 4 times a year

[striehl8212]

Like milkshakes said, you actually have to sign up for the rotational categories, but it's literally just one click of a button. Hardest part is remembering to do it. The online account is my favorite amongst all my cards. Easy to navigate and everything is there for you. ShopDiscover is great and $1 for $1 with Amazon is a good deal too. Amazon is where all my rewards dollars have gone, but you can also use them as statement credit. The good thing with 0% APR for a year is you can carry a balance if you want and not worry about interest. Discover never seemed to worry about my balances and I had high utilizations on that card at times. So, if you have any purchases you want to make, don't feel like you can't use the card. Discover is a great company and will work with you as long as you don't abuse the card. Excited for you!

[milkshakes]

+1 about ease of navigation through their site and their CS. definitely modernized and more pleasant to go through than some of the other banks.

congratulations btw!

[Vegas247]

I got my card and used it to take out the family to the movies and the next day signed up for the 5%..........do I still get the 5% credit for the movie????

[sideshowmer]

When I sign up for the 5% and get approval, does the sign up do any HP on my credit again as when I first applied?