Just got approved for the IT: any advice, thoughts?

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
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Okie21
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Just got approved for the IT: any advice, thoughts?

Postby Okie21 » Wed May 08, 2013 5:06 pm

Like I said, I just got approved for a Discover IT card yesterday. This is my first Discover card ever, so I wanted to ask the "pros" on here for any advice or info that I should know.

Do you have to sign up for the 5% cashback categories each quarter? How are they about CLI's? Also, where can I find the list of accepted vendors for their 5% cashback categories? And lastly, can I find out what my approved CL is online or do I have to wait til I get my card in the mail?

Sorry for all the questions, and thanks in advance for any info!


rockyrock
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Postby rockyrock » Tue May 14, 2013 9:19 am

Congrats, I just converted my More to it. I've been pretty happy with my More card. I only use it for the 5% bonus each quarter and occasionally make a ShopDiscover purchase and get 10% or even 20% cash back. The trick is to pay it off every month to maximize your point value.

You do have to sign up every quarter; it's easy you can do it online or over the phone. The vendors are all in their mall online.

Never asked for a CLI but got an automatic one a few years ago after six months of paying on time. Just got my APR lowered and was told I can ask again after six months--seems like six months is the magic number for Discover.
American Express (2005): Premier Rewards Gold & Blue Cash Preferred
Chase: Freedom & UA Club USAA: Signature Visa & American Express
Discover it Bank of Hawaii Hawaiian Airlines WEMC Synchrony Sam's MC
Navy FCU Platinum Visa Citi Double Cash & AT&T Access MC

cdogg
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Postby cdogg » Tue May 14, 2013 12:39 pm

Okie21 wrote:Like I said, I just got approved for a Discover IT card yesterday. This is my first Discover card ever, so I wanted to ask the "pros" on here for any advice or info that I should know.

Do you have to sign up for the 5% cashback categories each quarter? How are they about CLI's? Also, where can I find the list of accepted vendors for their 5% cashback categories? And lastly, can I find out what my approved CL is online or do I have to wait til I get my card in the mail?

Sorry for all the questions, and thanks in advance for any info!


yes, you just click on cash back bonus button, and sign up each month. also you can link your card with your amazon account so that you can use your cash back to pay for amazon purchases. they have lot of good deal from partner vendors. many of them has 5% back if you shop online. also they have partner gift card, like enterprise rental, $20 credit to get $40 certificate.

i had more card for about 3 years then converted to IT this year. i started with about $6000 cl, did online request for CL Increase, they gave me 9500 now.
Current Cards: American Express:Blue Cash Everyday CL 33.6k member since 94
Bank Americard Power Cash Rewards Signature Visa CL 20k member since 10
Discover IT $9.5k member since 10
Chase freedom $10k, since 13
BB Store card $2600, since 02
Macys $2700, since 02
Gap/BR $800, since 02



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