Discover More approval insights

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
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LTomBerry
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Discover More approval insights

Postby LTomBerry » Sun May 23, 2010 7:46 pm

I recently got approved for this one. Since I see a few threads with questions I figure I'd put in my 2 cents. My only other CC is a USAA MC Platinum with a $11000 limit. I checked my FICO on experian the other day and it said 701 so I figured it was worth a shot. I applied online for the Discover More with the deal for $50 cashback after the first $599 in 3 months. After a minute or two the screen said I am conditionally approved, please call this number to finish the deal. Like has been said in other threads, they just want you to have a chat with a real person first. So I called and he asked my why I want the card, I said for the reward points. He asked about my job and as soon as I said I was active duty military he approved me. Only a $2000 limit but that is sufficient for my needs at the moment.
Then he was extremely pushy about trying to sell me the debt protection insurance, which I declined 3 times before he gave up. I am sure he was just reading from a script that requires him to push it, or else he gets a commission or something. I pay mine off every month and make sure my checking acct balance always exceeds my CC balance so debt insurance is not an issue.
I asked him if I could change the design on the card to the black one and that was not a problem. It has not come in the mail yet but I am looking forward to the rewards. Nothing better than getting cash back off something I was going to buy anyway.


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Mogul of Pineapples
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Postby Mogul of Pineapples » Tue May 25, 2010 3:14 am

Congrats on getting the card. Back in 2008 I heard murmors that 705 to 710 was the minimum for Discover so that's great to get approved with a 701 in today's economy. Their customer service does occasionally try and do the upsells but I would much rather have that than a foreign rep. From the best of my knowledge all of Discover's customer service is domestic.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

Current Cards:
American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
Primary Everyday Card: American Express Blue Cash
Primary Travel Card: Chase Sapphire Preferred

Mahler18
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Postby Mahler18 » Tue Nov 30, 2010 10:36 pm

I'm actually strongly considering the More. Thanks for sharing!

Smerri
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Postby Smerri » Wed Dec 01, 2010 10:55 am

My Discover is my longest standing card and every time I call they try to up sell and I tell them not to waste their breath. While they did aggravate me and I've used my card less their rewards are great and it is nice talking to a call center in Utah or somewhere in the United States and being able to actually have a conversation with the representative.

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Mogul of Pineapples
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Postby Mogul of Pineapples » Mon Dec 06, 2010 3:08 pm

every time I call they try to up sell and I tell them not to waste their breath.
Ha! I preface every call to a credit card with "Don't tell me about credit protection services because I'm not interested" and it does the trick. The most annoying part is when activating a credit card we are forced to hear these sales pitches from every bank out there.

Check out the Discover More review for a special signup bonus!
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

Current Cards:
American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
Primary Everyday Card: American Express Blue Cash
Primary Travel Card: Chase Sapphire Preferred



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