So Discover wants me to sign up for a 2nd IT card LOL

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
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4ktvs
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So Discover wants me to sign up for a 2nd IT card LOL

Postby 4ktvs » Mon Nov 23, 2015 1:25 pm

I applied for and was approved for my First Discover IT card in September and so they quit sending me mail offers until this month. Now keep in mind they like clock work had been sending mail at lest once a month every month non stop for 2 years, so the fact they skipped two months in a row to then chose to start again is odd.

The part that sucks is the APR range is much better and they even have a $o balance trans fee that I didn't get with the terms I got from the card I have now.

Not a big deal as I pay in full and there really isn't a balance I need to move but still it would have been nice I guess. The APR range I got was %10.99-%15.99 and my APR right now is %20.99 on that card. (After the %0 promo ends that is)

I think Discover just doesn't know what is going on at all. That or maybe they do want me to have two of them. :confused:

I just feel bad for the poor tree they killed in vain to get me to double up on there card to get even more double cash over the next year.

The offer stands until May I forget what day of 2016 so it might be a sign they plan to keep the double cash back longer than some have speculated.


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CarefulBuilder14
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Re: So Discover wants me to sign up for a 2nd IT card LOL

Postby CarefulBuilder14 » Mon Nov 23, 2015 1:37 pm

Once the intro 0% ends, call Discover. Discover allows a lot of flexibility to give good terms to customers on a case-by-case basis.

Using the card at least a few times a month will make them more inclined to help.
Love: IHG, Platinum, Sallie Mae, AA Plat, CSP
Like: Discover, ED, BCE, Hyatt, Arrival, Freedom
Might drop: BrooksBros, Prestige (Costco PC?)
Might add: Proper business card, CSR, Ritz, Delta Gold
Letting new accounts cool off since May
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Tubpbs
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Re: So Discover wants me to sign up for a 2nd IT card LOL

Postby Tubpbs » Mon Nov 23, 2015 2:09 pm

I have the same thing with the Chase Freedom. It's slightly different in that I did a product change to that card and did not directly apply for it, but obviously they should still know I have it. It's been changed for over 4 months at this point. I would say I get a mailer every other week probably.

That's the problem with having excess funds and resources for these large institutions... I'll take the $1 a month in postage and paper as UR points please...
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It

kdm31091
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Re: So Discover wants me to sign up for a 2nd IT card LOL

Postby kdm31091 » Mon Nov 23, 2015 3:37 pm

Don't apply for a second one because of the APR IMO. Discover is flexible with APR over time for many customers (of course, no guarantee, but much more likely than say Chase), so you can end up having it lowered anyway.

4ktvs
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Re: So Discover wants me to sign up for a 2nd IT card LOL

Postby 4ktvs » Mon Nov 23, 2015 3:52 pm

kdm31091 wrote:Don't apply for a second one because of the APR IMO. Discover is flexible with APR over time for many customers (of course, no guarantee, but much more likely than say Chase), so you can end up having it lowered anyway.


I don't plan to apply for a second one as that would be stupid. I don't really mind I missed the boat on a lower APR and really I am kind of glad as I was worried that I might have missed something bad on one of my reports that might be dragging my credit down. Like a false late or so on.

I guess if it bugs me I will call once the %0 APR ends but it's not a big deal, I just find it odd they would want me to get a second one.

The card needs to have a lot of value for me to apply and APR alone isn't going to do it for me. (I pay in full unless APR is %0 so it's not really a big deal.)

Tubpbs
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Re: So Discover wants me to sign up for a 2nd IT card LOL

Postby Tubpbs » Mon Nov 23, 2015 4:57 pm

4ktvs wrote:
kdm31091 wrote:Don't apply for a second one because of the APR IMO. Discover is flexible with APR over time for many customers (of course, no guarantee, but much more likely than say Chase), so you can end up having it lowered anyway.


I don't plan to apply for a second one as that would be stupid. I don't really mind I missed the boat on a lower APR and really I am kind of glad as I was worried that I might have missed something bad on one of my reports that might be dragging my credit down. Like a false late or so on.

I guess if it bugs me I will call once the %0 APR ends but it's not a big deal, I just find it odd they would want me to get a second one.

The card needs to have a lot of value for me to apply and APR alone isn't going to do it for me. (I pay in full unless APR is %0 so it's not really a big deal.)



I'm fairly certain this is just an error in a certain way. They do not want you to apply for a second card. I would say there is a 95%+ likelihood they would not approve the application for a duplicate product. You can only have two discover cards total and they supposedly want you to have card #1 for at least a year before #2.
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It

dickey1331
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Re: So Discover wants me to sign up for a 2nd IT card LOL

Postby dickey1331 » Tue Nov 24, 2015 6:28 am

I also still get mail from Discover and I've had their card for a few years now.
Platinum Delta Skymiles $12,900
Marriott Rewards Premier $12,000
Discover IT $12,000
USAA Cash Rewards $11,000
American Express Blue Cash Preferred $10,000
Chase Sapphire Preferred $6,500
Best Buy $6,000
Chase Freedom $4,500
Zales $4,000
Amazon Prime $4,000

Vermonster
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Re: So Discover wants me to sign up for a 2nd IT card LOL

Postby Vermonster » Tue Nov 24, 2015 7:30 am

Discover is one of those companies where the marketing department is completely separate from the rest of the company. They'll send letters to people that will never be approved, including those just out of a BK in which Discover was burned. Discover mailers carry about as much validity as a popup add telling you you won $1 million.
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k

takeshi
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Re: So Discover wants me to sign up for a 2nd IT card LOL

Postby takeshi » Tue Nov 24, 2015 8:29 am

4ktvs wrote:I think Discover just doesn't know what is going on at all. That or maybe they do want me to have two of them. :confused:

It's just marketing.

If your credit supports a lower APR you can request an APR reduction.

4ktvs wrote:I don't plan to apply for a second one as that would be stupid. I don't really mind I missed the boat on a lower APR

It's not a matter of boats or offers but what you qualify for.

4ktvs
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Re: So Discover wants me to sign up for a 2nd IT card LOL

Postby 4ktvs » Thu Nov 26, 2015 12:36 am

takeshi wrote:
4ktvs wrote:I think Discover just doesn't know what is going on at all. That or maybe they do want me to have two of them. :confused:

It's just marketing.

If your credit supports a lower APR you can request an APR reduction.

4ktvs wrote:I don't plan to apply for a second one as that would be stupid. I don't really mind I missed the boat on a lower APR

It's not a matter of boats or offers but what you qualify for.


I know it's just business and not a matter of a boat or offers but what they see at the moment when you apply and they pull your credit. (I know your income counts as well.)

I thought it was just marketing being marketing but I wasn't sure.

I am not going to stress about APR though and will leave that alone I think.



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