Questions about the More card??

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
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m20e3087
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Questions about the More card??

Postby m20e3087 » Wed Aug 29, 2012 7:32 am

Just got a pre approved letter for Discover More Card.
Is the card as good as Chase freedom 5%?
How does the cash back work on this card?
Do they give well CL?
Who do they pull?
American Express: Blue Cash Everyday & Platinum

Visa Signature: BankAmericard Travel Rewards, Chase Freedom Unlimited, & Chase Sapphire

Visa Infinite: Chase Sapphire Reserve


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djrez4
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Postby djrez4 » Wed Aug 29, 2012 9:41 am

5% on quarterly categories.
0.25% on everything else for the first $3000.
1% on everything else after the first $3000.

So, not as good as Freedom, but if you only use it for the quarterly categories, it doesn't matter. Cash back can be applied to your statement or used for goodies in the Discover Mall (or whatever they call it).

They pulled Equifax for me. That may not predict who they pull for you, however.

I got a great CL - my highest one - but no one, not even myself, can figure out why they gave me such a high limit with my history. CLIs are relatively easy - soft pull on the website or over the phone unless they need a hard pull, in which case you can either authorize it or not.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
[/RIGHT]

432521
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Postby 432521 » Wed Aug 29, 2012 10:28 am

djrez- I think the CLI are a hard pull all the time be it online or on the phone. the only time where it is not is when it is a automatic one initiated by discover.
March 2011- Wellsfargo Cash Back College Card
May 2012- Chase Freedom
May 2012- Discover IT
August 2012- American Express Blue Cash Everyday

irvine801
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Postby irvine801 » Wed Aug 29, 2012 10:31 am

Discover pulls usually from EQ for a new acc and for CLI requests, we usually pull from TU. What he said is pretty accurate, Chase is a good rewards card, I have both cards. I've noticed discover does usually throw in random promos for 2% and stuff like that. And I like that discover does actual cash rewards instead of points. I Like that! Hope this helps!
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit

irvine801
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Postby irvine801 » Wed Aug 29, 2012 10:33 am

432521 wrote:djrez- I think the CLI are a hard pull all the time be it online or on the phone. the only time where it is not is when it is a automatic one initiated by discover.


Sometimes we can do a CLI. Without a credit check. Not a lot , but it does happened.
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit

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djrez4
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Postby djrez4 » Wed Aug 29, 2012 12:58 pm

432521 wrote:djrez- I think the CLI are a hard pull all the time be it online or on the phone. the only time where it is not is when it is a automatic one initiated by discover.


I may have been thinking of a different card. My mistake!
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]

[/RIGHT]

irvine801
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Postby irvine801 » Wed Aug 29, 2012 1:22 pm

djrez4 wrote:I may have been thinking of a different card. My mistake!


No worries. I work for discover so I try to share what I know :P
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit

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djrez4
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Postby djrez4 » Wed Aug 29, 2012 4:09 pm

irvine801 wrote:No worries. I work for discover so I try to share what I know :P


It's greatly appreciated.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]

[/RIGHT]

Money card
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Postby Money card » Sat Sep 01, 2012 9:14 pm

Discover More in some ways is a better card we get certain benefits that chase doesn't give or any bank card.
but when redeeming chase will probably give you a better selection on gift cards for restaurants. But Discover doesn't take off your membership date like chase did to me., like I mentioned Discover has better promotions
I pick Discover over chase.



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