One online account for multiple credit cards?

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
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ctschao
 
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One online account for multiple credit cards?

Postby ctschao » Thu Oct 23, 2014 4:19 pm

I recently applied for a Discover it card in addition to the one I've had for over 2 years. I was wondering if there was a way to have just one login ID online for these two cards.


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lobbythis
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Postby lobbythis » Thu Oct 23, 2014 8:36 pm

Yes, when you activate the second card. All companies do this.

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PlyrStar93
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Postby PlyrStar93 » Thu Oct 23, 2014 9:18 pm

Other people already encounter this problem before. It is likely you have to create separate accounts for each card.

What MemberSince99 said:
MemberSince99 wrote:Discover allows you to have up to 2 of their products; i.e. a More and a Miles as I had. Be aware that last I knew, you need seperate online accounts for each one of them, they are not linked together where you can use one login to access both of them.


I don't have two credit cards with Discover, but I would like to see if anyone with more than 1 card can post his/her screenshot having multiple credit cards linked in the same online account.
Citi Forward Visa $5000 10/2012 | American Express Blue Cash Everyday $8000 2/2014 | Discover it $7000 5/2014
Chase Freedom Visa Signature $7000 6/2014 | Citi ThankYou Premier Visa Signature $5000 1/2015
All EMV.

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lobbythis
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Postby lobbythis » Thu Oct 23, 2014 9:46 pm

So, then it is Discover that actually has an issue? I have never had that problem with any company I have multiple cards with.

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PlyrStar93
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Postby PlyrStar93 » Thu Oct 23, 2014 10:04 pm

lobbythis wrote:So, then it is Discover that actually has an issue? I have never had that problem with any company I have multiple cards with.

That might be a problem with Discover. At least from what I can tell, I can find "Add an account" or something like that where you can add a credit card in Citi, Chase and AMEX's online accounts, but not Discover.

For Chase, after I got approved for Freedom, the card automatically appeared in my online banking account. I have heard that Citi has problem linking a co-branded card (like the Hilton HHonors) into an online account with other non-cobranded cards, but I cannot confirm this, as I only have one card with them. Contrary to Citi, Chase is reported to have no problem making co-branded and non-cobranded cards under same online account.

I just can't find any link that allows me to link a credit card in Discover's online account, despite I only have one card with them. That's why I would want to see some people actually having two cards show how they link the cards online.

The fact that there is not much information about linking multiple Discover cards under the same online account might be because not many people have more than 1 card with them right now. If it is indeed impossible to make multiple cards under the same online account, that's really due to Discover not taking this as an important issue.
Citi Forward Visa $5000 10/2012 | American Express Blue Cash Everyday $8000 2/2014 | Discover it $7000 5/2014
Chase Freedom Visa Signature $7000 6/2014 | Citi ThankYou Premier Visa Signature $5000 1/2015
All EMV.

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CarefulBuilder14
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Postby CarefulBuilder14 » Thu Oct 23, 2014 10:09 pm

I'm surprised Discover hasn't moved everyone over to the It or Chrome cards already. I thought they were trying to push holders of More, Open Road, and those other cards into the new ones.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

ctschao
 
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Postby ctschao » Thu Oct 23, 2014 11:47 pm

It did ask me to log in when I activated the card but I created a new log in instead like an idiot... I guess I'll just have to call them now.

itsmeandrew
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Postby itsmeandrew » Fri Oct 24, 2014 12:17 am

I'm not sure if it's the same with having a credit card and a checking account compared to having two credit cards, but here is my account summary.
Capital One Platinum $500 (2/2010) CLOSED (1/2013)
Wells Fargo College Cash Back $1.2K (8/2011) CLOSED 3/2015
Chase Freedom (Signature) $10K (4/2012)
AmEx Zync NPSL (4/2012)
Samuels Financing $2.9K CLOSED 4/2015
Discover IT $3.95K (7/2012)
Chase Marriott Premier (Signature) $5K (9/2012)
Chase Slate $2.5K (12/2012)
Citi Simplicity $4K (3/2013)
AmEX BCE $9.5K (5/2014)
Chase Amazon $4.5K (5/2014)
Barclaycard Apple Financing $2K (6/2014)
Capital One VentureOne (Signature) $5K (1/2015)


TU (Discover): 760

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PlyrStar93
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Postby PlyrStar93 » Fri Oct 24, 2014 12:36 am

The situation with checking+credit card may be different from two credit cards. I am able to put checking and savings along with credit card, but I have also heard there are others who can't.

I think the trick in linking a checking/savings account is that when opening a new account, choose "I have a Discover Card account", and fill in your login credentials.
Image

Next, be really, outstandingly, incredibly and unprecedentedly damn sure that your personal information fields are pre-filled and cannot be modified, just like the following. I once went to the application and found out even after logging in, I still had to fill in those fields. Under that circumstance, I simply closed the page and re-login and made sure those fields are pre-filled.
Image

Proceed with the application and when getting approved the account should show under the card. Like I said before, there are people who are not able to link the accounts together, for which I guess they failed to do this step. Also, it appears that customer service are not even able to combine accounts, and they may find whatever reason to claim linking isn't possible. This is like if you make sure you do things well one time, then you are fine; if not, you're screwed.

Keep in mind that the above is for Discover Bank application, but NOT Discover Card. A Discover credit card application does not let you login and apply. You will have to go directly to the product you want to apply for, fill in everything they need unlike a checking/savings account that has the ability to login and pre-fill information. This potentially forces users to create different logins for different cards, in my opinion.
Citi Forward Visa $5000 10/2012 | American Express Blue Cash Everyday $8000 2/2014 | Discover it $7000 5/2014
Chase Freedom Visa Signature $7000 6/2014 | Citi ThankYou Premier Visa Signature $5000 1/2015
All EMV.

spendomart
 
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Re: One online account for multiple credit cards?

Postby spendomart » Sun Sep 18, 2016 10:38 am

I just ran into this issue after activating a new secondary card and trying to attach it to my account (this was the #2 Google result for this issue for you necropost criticizers), and when I contacted Discover support, they said:

"Because every account must have a unique user ID, each account must be registered separately for the Account Center."

OK, but I'm not trying to have multiple accounts under one username. I'm just fine having one account with one username with one email address, which both card's notifications have been going to.

"We don't currently provide the option to combine more than one account under the same user ID. You can, however, use the same password on more than one account."

OK, but I'm not trying to combine multiple accounts under one username, nor have I ever heard of using the same password on multiple accounts being a problem ( :confused: ).

So they either misunderstood the question, have gotten "card" confused with "account" (you can have one without the other), or they're trying to tell me I just can't have two cards on one account.

What bothers me about this (besides the fact that every other bank I've had multiple cards on lets me do this) is that I now have to sign into discovercard.com with two different usernames and have to use possibly two different email addresses... I don't see how this makes any sense.

Oh, and if you're of the "account means card and card means account" logic (meaning you have to have an account for each card), here's how Discover contradict that: After activation, I got the same prompt PlyrStar93 posted in their screenshot showing the "I have a Discover Card account" option; this means you don't have to have an account to activate the card, and if you've already got an existing account, you don't have to have a card to have an account.

The fact that it would then block you from attaching the card to the account because you've already got a card on the account directly contradicts the prompt "I have a Discover Card account" if it only works if you don't have a card on the account!!! What is a "Discover Card" account without a card???

Yes, I did fill out all of the prompts that I saw; and even if Discover makes you fill out all of your personal information again (non-pre-filled or pre-filled after some wonky hoop-jumping), the process is nonsensical no matter how you cut it.

Since I see no options to add another card from my account, I'm completely putting this regressive way of doing things on Discover; they shouldn't be sending card offers for people who already have cards if they require we create a completely new account with a different username and a different email address. They should be the ones with the horse and buggy logo but upside down if they can't have two cards on one account and consider a "card" and an "account" to be the same thing, which they obviously allow to exist completely separately from one another.



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