Discover IT comin...I'm so impatient LOL.

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
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Vattené
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Postby Vattené » Wed Mar 25, 2015 3:11 pm

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.
-Vattené
FICO-8: EX - 827 (5/17) | TU - 824 (5/17)
My Cards: Barclay Arrival+ | Discover it | Amex ED
AU:: Discover Miles | BofA BBR | Barclay Commence (SD'd)


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CarefulBuilder14
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Postby CarefulBuilder14 » Wed Mar 25, 2015 11:54 pm

Vattené 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.


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...
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

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Vattené
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Postby Vattené » Thu Mar 26, 2015 1:23 pm

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...

Blues do seem to be very common for whatever reasons. I still like the copper design, but my card is getting pretty worn so I might request a new design myself. I'd also be torn between garnet and spruce. Red is my favorite color, so that may tip the scales if I do it. I think the mix tape is cool, but the appeal might wear off.

Discover hasn't seen much spending from me either (outside the 5% and merchants that do not take Amex). A benefit is it's easy to pay Discover off before the statement cuts for a small balance credit, but mainly I've been favoring Amex just to build up MR.
-Vattené
FICO-8: EX - 827 (5/17) | TU - 824 (5/17)
My Cards: Barclay Arrival+ | Discover it | Amex ED
AU:: Discover Miles | BofA BBR | Barclay Commence (SD'd)

Michael
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Postby Michael » Sat Mar 28, 2015 11:01 am

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 !!!

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CarefulBuilder14
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Postby CarefulBuilder14 » Sat Mar 28, 2015 11:48 am

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 !!!


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.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

glg1992
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Postby glg1992 » Sat Mar 28, 2015 1:58 pm

Super nice! I wish I was in a position to get get a Discover card!

flan
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Postby flan » Sun Mar 29, 2015 11:18 am

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.


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').

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CarefulBuilder14
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Postby CarefulBuilder14 » Sun Mar 29, 2015 4:58 pm

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').


I'm not sure if I'm prime or near-prime, but I called today, asked about any special offers, and got an offer of $10 extra CB on my next $200 in spending. I also got my regular APR (not that I pay interest) down a little from 18.99% to 17.24%. No HP.

Works for me.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

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Vattené
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Postby Vattené » Sun Mar 29, 2015 6:36 pm

That is pretty cool. What did you ask to get $10 CB?
-Vattené
FICO-8: EX - 827 (5/17) | TU - 824 (5/17)
My Cards: Barclay Arrival+ | Discover it | Amex ED
AU:: Discover Miles | BofA BBR | Barclay Commence (SD'd)

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CarefulBuilder14
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Postby CarefulBuilder14 » Sun Mar 29, 2015 7:24 pm

Vattené wrote:That is pretty cool. What did you ask to get $10 CB?


I said I had heard that they occasionally had special offers like extra rewards or a lower APR for some customers, and asked the CSR to check if I had anything like that available. She offered the lower APR right away, then put me on hold for a minute and came back with the $10 part, too.

If I took a cynical view of the conversation, then it may have helped that I didn't ask if it was something they did. My words indicated that I already knew it was something they sometimes did, and didn't want to be left out of the party.

I'm not sure how cynical to be, but the CSR seemed very happy to help.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card



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