VattenÃ© wrote:I like the spruce design.
If getting a CLI is important to you and you don't mind sacrificing spending on other cards, anecdotal evidence suggests Discover likes to see a lot of volume (as in transaction count over dollar amount). Personally, they were my go-to card when I first got it and I was granted 2 out of 3 requests for CLIs from calling in roughly every three months.
CarefulBuilder14 wrote:I might "spruce" my wallet up soon. Dark green's my favorite color, and I don't have any of it in my wallet. Come April and the reemergence of Sallie Mae into a prominent spot (behind the transparent grocery loyalty card, where Freedom is now), my wallet will be more blue-grey than before. The garnet from Discover is good, but spruce might be nicer.
I've got Costco nestled with PRG as a natural pair for convenient access. Freedom will become my everything else / restaurant card, so needs a good spot. I don't buy anything in the travel category most days, so CSP can hide in the back.
A monogrammed Discover could look good in the last prime spot, but I don't really like pink. If they offer a spruce monogrammed card, I'll take it.
...Of course, I won't exactly be using Discover much, since Freedom trumps it and I'm unlikely to exceed $1500 in eating out...
Michael wrote:I'm holding out for a black IT card, hopefully with a silver half-circle.
I have suggested it several times.
By the way, I started out in 2005 with a $15000 limit, and have never applied for or had an increase.
I really don't care, since Discover was never a heavily used card for me.
IF they come out with the black, I will carry it, only because it will look really cool !!!
CarefulBuilder14 wrote:I don't know many of the details (or if it even still exists) but Discover did have a card like that a few years ago. No AF, lots of travel perks, great service.
The catch? You need to spend around $30k-$40k a year on the regular IT card to be invited to upgrade.
flan wrote:There are a bunch of tiers of discover card, most of which they don't market. There are, to start with, a prime IT and near-prime IT. They're basically the same; the interest rates available are different (but the lowest near-prime rate is lower than typical prime card rate), the minimum payments are different (near prime is higher), the minimum finance charges are different (I think), and a few other things. There are probably differences in how they manage accounts (who they'll give APR reductions and clis too, etc), but who knows?
From there, there is a regular card with better service (no phone mail system), and maybe some better soft benefits (warranty protection, price protection). Then there's a 'Premium' card, which comes with some travel benefits and concierge service. Then there's a 'Premium plus' which comes with airport lounge access. I don't know how you get these ('spend money on discover card' is good bet, so is 'have a high income').
VattenÃ© wrote:That is pretty cool. What did you ask to get $10 CB?