hautemama wrote:
Hi guys. Thanks for the info. I went ahead and applied for the Discover More card and they gave it to me! Woo hoo. Ok, no more app'ing for a loooong time. I couldn't have done it without your help!!
I chose the pretty pink monogram card.. When I applied, they said they could not give me the terms that were listed, the promotion of 0% APR but they amended the terms. It was 3.9% APR and 16.99% thereafter.. Did I make a mistake by accepting?
Now a few questions! The Discover More card has the same 5% cashback for gas right? Such as the open road card? And I am reconsidering about the Motiva.. Is that a better card (if I do carry a balance) and what are the chances of them doing a product change if I happen to change my mind??
One more.. How do I know what my CL will be??
Congratularions hautemama and scrambling! Good for you.
Yes, they do change the promotion and terms anytime they want to. The APR wise, as long as you do PIF every due date (which is same day as closing date ... this is very different than others and unique) it should not affect. The APR will changes when prime rate changes, and it can be lower also.
5% cash back:
You need to sign-up for Get More program over the phone or online.
Log on to your account at
www.discovercard.com and click "Cashback Bonus" on the left column. Then click "5% Cashback Bonus". It shows a calendar for 5% cashback categories. Other than these categories, they will have additional categories occasional. Example, they just had "Pet Shop" in February because of Valentine's day and they told me they had "Grocery Store" in 2007 December. Any others are 1% all the time.
Read the terms and conditions include small prints very well when you receive it.
Message Edited by bunnyrabbit on
03-06-2008 03:16 PM
