My experience with The Discover IT: Low limits and restrictive reward policies

[SGR]

It seems like the Discover IT gets a lot of love here but after carrying it for over four months I'm finding it to be my least favorite for several reasons:

1. They gave me a very low limit comparable to my old CapOne MC platinum card, which I got when I had poor credit. I now have several high limit cards including an $8k ELAN card issued through my bank, a $5k BOA Cash Rewards Visa Sig, a $5k QuickSilver Visa Sig, and a $3k Chase Freedom.

2. I'm unable to request a CLI via the website or the automated phone system. My fifth statement is about to cut, but it seems like a lot of people get the CLI option after their fourth statement cuts.

3. The rewards program is the most restrictive program out of all my other cards. If I want cashback, I must request it in increments of $50. This means that if I have $99, I can only request $50 until the next statement cuts (unless I want gift cards and/or Amazon stuff). All of my other cards have minimum redemptions of around $20-25, and there is no restrictions on the amount after the minimum is met. The Chase Freedom card even offers the same Amazon perk as Discover, too.

Anyone else very disappointed with the Discover IT card? I'm debating closing it if I don't get a significant CLI soon.

[SomeGuyOnTheWeb]

No complaints from me. They gave me my highest limit to date ($7,500).

[fargobzn]

---

@SGR wrote:

It seems like the Discover IT gets a lot of love here but after carrying it for over four months I'm finding it to be my least favorite for several reasons:

1. They gave me a very low limit comparable to my old CapOne MC platinum card, which I got when I had poor credit. I now have several high limit cards including an $8k ELAN card issued through my bank, a $5k BOA Cash Rewards Visa Sig, a $5k QuickSilver Visa Sig, and a $3k Chase Freedom.

2. I'm unable to request a CLI via the website or the automated phone system. My fifth statement is about to cut, but it seems like a lot of people get the CLI option after their fourth statement cuts.

3. The rewards program is the most restrictive program out of all my other cards. If I want cashback, I must request it in increments of $50. This means that if I have $99, I can only request $50 until the next statement cuts (unless I want gift cards and/or Amazon stuff). All of my other cards have minimum redemptions of around $20-25, and there is no restrictions on the amount after the minimum is met. The Chase Freedom card even offers the same Amazon perk as Discover, too.

Anyone else very disappointed with the Discover IT card? I'm debating closing it if I don't get a significant CLI soon.

---

I didn't get an auto CLI until six months but then I got another auto CLI after 9 months. Maybe you should wait and see what happens after six months. 

[dumaine]

I have had the card just over 1 yr and the online Luv button has been there since day one, yet it always says to call in. The flipside of that is that I received auto cli's at 6,9 and 12 months.

[bigblue7722]

I like my discover it a lot but it has let me down a couple of times so far. 

The pro's: 

My highest CL

Great customer service 

Great website

Free Fico score

no AF

Cons:

Cant use it everywhere like visa or mastercard (my discover is making it hard for me to get an amex to be honest)

Shop discover does not have as many websites as the boa rewards which I do know they are ending, also barclaycard seems to have more websites

I would love some bonus 2 or 3% reward categories every quater ( i think almost all of us have a better card for 1% stuff I cant believe discover has not done anything about it)

[takeshi74]

---

@SGR wrote: 

They gave me a very low limit comparable to

---

Doesn't seem to be unusual for Discover to grant low limits to those with more established credit profiles while those with good but less established seem to get higher limits.  They gave me a relatively low limit compared to other recent cards (15% of my highest limit at the time).  However, they did double it when I requested a CLI and that has made it a bit more usable for me.

---

@SGR wrote:

I'm unable to request a CLI via the website or the automated phone system. My fifth statement is about to cut, but it seems like a lot of people get the CLI option after their fourth statement cuts.

---

Call or contact CS.  The latter is how I got my CLI.

---

@SGR wrote:

Anyone else very disappointed with the Discover IT card?

---

Some certainly are.  I'm not.

[phillyguy12]

I am in a similar boat I convert a more card and dont think ive gotten anything from them since. I got small 300 and 400 clis at 6 and 9 months but coming up on 2 yr mark and no sp cli. no random extra cash back days for me, no star bucks gcs or anything. Ive tried differnt usage and bal reporting to no avail. The 50 cash back is a pain but only card that I have that I can dep into my bank account vs statement credit. Now I only use it for the category and shop discover. If u keep an eye out u can get decent deals I got 25% back from ftd for moms day flowers and I think in june home depot usually does 10-20% on shopdiscover in addition to the 5% for home improvement cat.. u took the hp for it I say keep it just put an autopay on it of u dont use the categories.

[chwebb1]

---

@SGR wrote:

It seems like the Discover IT gets a lot of love here but after carrying it for over four months I'm finding it to be my least favorite for several reasons:

1. They gave me a very low limit comparable to my old CapOne MC platinum card, which I got when I had poor credit. I now have several high limit cards including an $8k ELAN card issued through my bank, a $5k BOA Cash Rewards Visa Sig, a $5k QuickSilver Visa Sig, and a $3k Chase Freedom.

2. I'm unable to request a CLI via the website or the automated phone system. My fifth statement is about to cut, but it seems like a lot of people get the CLI option after their fourth statement cuts.

3. The rewards program is the most restrictive program out of all my other cards. If I want cashback, I must request it in increments of $50. This means that if I have $99, I can only request $50 until the next statement cuts (unless I want gift cards and/or Amazon stuff). All of my other cards have minimum redemptions of around $20-25, and there is no restrictions on the amount after the minimum is met. The Chase Freedom card even offers the same Amazon perk as Discover, too.

Anyone else very disappointed with the Discover IT card? I'm debating closing it if I don't get a significant CLI soon.

---

I'm happy with my Discover It. I like Shop Discover, and although they're not the most generous with CLs, my CL with them is certainly usable. I like that you can redeem cash back for gift cards, and you get a bonus for doing so. As of now, my Discover is my secondary card (behind my AMEX BCE). I've found my Discover to be more widely accepted at smaller "mom and pop" places than my AMEX. I can use my Discover at around 95% of the places I want to shop. I can use my AMEX probably at around 85% of the places I want to shop. The only thing I can really say bad about Discover is that their fraud detection system seems to be a little overzealous, and AMEX is definitely more widely accepted online for some reason (but not in person).

[mongstradamus]

---

@chwebb1 wrote:

---

@SGR wrote:

It seems like the Discover IT gets a lot of love here but after carrying it for over four months I'm finding it to be my least favorite for several reasons:

1. They gave me a very low limit comparable to my old CapOne MC platinum card, which I got when I had poor credit. I now have several high limit cards including an $8k ELAN card issued through my bank, a $5k BOA Cash Rewards Visa Sig, a $5k QuickSilver Visa Sig, and a $3k Chase Freedom.

2. I'm unable to request a CLI via the website or the automated phone system. My fifth statement is about to cut, but it seems like a lot of people get the CLI option after their fourth statement cuts.

3. The rewards program is the most restrictive program out of all my other cards. If I want cashback, I must request it in increments of $50. This means that if I have $99, I can only request $50 until the next statement cuts (unless I want gift cards and/or Amazon stuff). All of my other cards have minimum redemptions of around $20-25, and there is no restrictions on the amount after the minimum is met. The Chase Freedom card even offers the same Amazon perk as Discover, too.

Anyone else very disappointed with the Discover IT card? I'm debating closing it if I don't get a significant CLI soon.

---

I'm happy with my Discover It. I like Shop Discover, and although they're not the most generous with CLs, my CL with them is certainly usable. I like that you can redeem cash back for gift cards, and you get a bonus for doing so. As of now, my Discover is my secondary card (behind my AMEX BCE). I've found my Discover to be more widely accepted at smaller "mom and pop" places than my AMEX. I can use my Discover at around 95% of the places I want to shop. I can use my AMEX probably at around 85% of the places I want to shop. The only thing I can really say bad about Discover is that their fraud detection system seems to be a little overzealous, and AMEX is definitely more widely accepted online for some reason (but not in person).

---

I sort of have an bit love hate with discover. My CL is pretty low just like OP, and they don't seem to want to budge with any sp cli. 5% categories,if they are ones you use,  and the shopdiscover are where it shines imo. 

[SunriseEarth]

Some lenders love you, some don't.  AMEX seems to like me, but I can't even get back with Discover for now.   I burned them for over $12K in my 2005 BK, and they haven't forgiven me just yet.   

As for your CC, if it's not meeting your needs, but other lenders are, then SD the card and use other ones.