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Why does Discover sent out different colored envelopes for the IT card?

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MyLoFICO
Valued Contributor

Re: Why does Discover sent out different colored envelopes for the IT card?

I actually just got one today too. Mine says "After the intro APR expires, your APR will be OMG!% to HAHAHAHA!!%, based on your creditworthiness, but we hear First Premier also sent you an offer. Just sayin. This APR will vary with the market based on the Prime Rate."


Experian: 677 (28) | TransUnion: 697 (27) | Equifax: 684 (6)
Gardening as of: 1-23-2018
Updated 1-25-18
Message 21 of 36
redpat
Senior Contributor

Re: Why does Discover sent out different colored envelopes for the IT card?


@Anonymous wrote:

Maybe this is a stupid question, but is there any difference? 

So far I've received 3 purple envelopes, a red, and now a maroon all for the IT "double cash back your first year".


But, did you get the one with the golden ticket, lol.

Personal Cards: Amex Delta Res | CSR | Citi AA Exec | Citi Strata Premier Business Cards: Ink+ | Amex BBP
Message 22 of 36
Officer737
Established Contributor

Re: Why does Discover sent out different colored envelopes for the IT card?


@redpat wrote:

@Anonymous wrote:

Maybe this is a stupid question, but is there any difference? 

So far I've received 3 purple envelopes, a red, and now a maroon all for the IT "double cash back your first year".


But, did you get the one with the golden ticket, lol.


With an invite to the chocolate factory? lol

Message 23 of 36
myjourney
Super Contributor

Re: Why does Discover sent out different colored envelopes for the IT card?


@Anonymous wrote:

Maybe this is a stupid question, but is there any difference? 

So far I've received 3 purple envelopes, a red, and now a maroon all for the IT "double cash back your first year".


There's a tiny chip in each envelope which collects and sends vital info back to Discover 

The red you trashed via shredder ....we know because it went dead 30 seconds after the envelope was opened. Chip went dead

The purple showed traces of dust build up before the chip was moved 30' and then went dead 10 days later

The maroon Discover figured what the heck we're bound to get the color right at some point and the offer was good for 30 days chips die at 31 days 

 

Up next the green which indicates Go and bound to catch you attention and you will bite because the last chip data showed you thought about it for 30 days 

So we have your number now and color Smiley Tongue

 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 24 of 36
Anonymous
Not applicable

Re: Why does Discover sent out different colored envelopes for the IT card?

 
Message 25 of 36
Nova5041
Frequent Contributor

Re: Why does Discover sent out different colored envelopes for the IT card?

Ironically I didn't start to receive these until I became a card holder. Lmao!

BK 7 Discharged: 5/30/2018
Fico Scores after Discharge: Experian-552 TransUnion- 490 Equifax- 571
Message 26 of 36
Revelate
Moderator Emeritus

Re: Why does Discover sent out different colored envelopes for the IT card?


@Nova5041 wrote:
Ironically I didn't start to receive these until I became a card holder. Lmao!

Cheaper way to do it.

 

I didn't start getting offers from Discover, Citi, Barclays, and others until I had a mortgage tradeline.  Nothing else intrinsic changed score, income, or anything else.  Presumably originally got on their files from the pre-quals I did once upon a time other than Barclay's with my marrying Sallie for a while.

 

Plum, 13.24 - 16.24% for me.




        
Message 27 of 36
MyLoFICO
Valued Contributor

Re: Why does Discover sent out different colored envelopes for the IT card?


@myjourney wrote:

@Anonymous wrote:

Maybe this is a stupid question, but is there any difference? 

So far I've received 3 purple envelopes, a red, and now a maroon all for the IT "double cash back your first year".


There's a tiny chip in each envelope which collects and sends vital info back to Discover 

The red you trashed via shredder ....we know because it went dead 30 seconds after the envelope was opened. Chip went dead

The purple showed traces of dust build up before the chip was moved 30' and then went dead 10 days later

The maroon Discover figured what the heck we're bound to get the color right at some point and the offer was good for 30 days chips die at 31 days 

 

Up next the green which indicates Go and bound to catch you attention and you will bite because the last chip data showed you thought about it for 30 days 

So we have your number now and color Smiley Tongue

 


You sure have a lot of inside knowledge...Me thinks we have a spy amongst us!


Experian: 677 (28) | TransUnion: 697 (27) | Equifax: 684 (6)
Gardening as of: 1-23-2018
Updated 1-25-18
Message 28 of 36
takeshi74
Senior Contributor

Re: Why does Discover sent out different colored envelopes for the IT card?


@Anonymous wrote:

Why does Discover sent out different colored envelopes for the IT card?


It's marketing.  The point of marketing is to grab attention.

 


@Anonymous wrote:

Maybe this is a stupid question, but is there any difference? 


Read the info versus relying on envelope color.

Message 29 of 36
lg8302ch
Senior Contributor

Re: Why does Discover sent out different colored envelopes for the IT card?

They are trying to find out which color is your favorite and gets you to apply for the card Smiley Very Happy

Message 30 of 36
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