Appeal of Discover

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
MB131174
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Postby MB131174 » Mon Jul 01, 2013 9:49 am

AU's don't get back dated to the date of the account holder, just the date they were added. I've had AmEx since 2011. In 2012 I added a friend to my PRG (closed since then) and his card showed member since 2012, not 2011.
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im_mr_awesome
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Postby im_mr_awesome » Mon Jul 01, 2013 2:57 pm

Did you ask for backdating on the AU card though? MemberSince99 had some issues getting AmEx to backdate his card, and he had his own account. After asking about it, he got it backdated. I think you have to ask for backdating or you probably don't get it.
Scores on the mend...
FICO: 650 (Discover/TU, 6/23/2016)
Cards I Use Citi Double Cash, Chase Amazon, Capital One QuickSilver
Sock Drawer Discover IT, Citi Diamond Preferred, AE Visa, QuickSilver One, Walmart CC, CareCredit, CreditOne (keeping for history for now)
Short Goal Reach 680

MB131174
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Postby MB131174 » Mon Jul 01, 2013 4:52 pm

My (now former) friend never had AmEx before, and since his social was tied to his card (and reported to his credit report) they would only do from the year he got "his" first AmEx.
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MemberSince99
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Postby MemberSince99 » Mon Jul 01, 2013 4:54 pm

I have read on FICO that Amex used to backdate AUs but now says they don't anymore. I would guess it's YMMV but don't be surprised if they say they don't do it. Worst they can say is no.

AU with Amex is interesting. They probably give you the most flexibility of anyone, you can set the limit on the AU card which is great (Discover does not let you do this - the AU gets the same limit you do, but since they give low limits, maybe that's ok). ok that was below the belt, but anyway, I loved their AU system. The card will report on the AU's credit as if it's their card, which does not happen with a Discover AU. Interestlingly too with that, the AU had the card continue to report months after I closed it as if it was still open for the AU. I thought that was odd but good for the AU.

MB131174
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Postby MB131174 » Mon Jul 01, 2013 5:05 pm

Yeah, my now former friend (what was I thinking?) got a nice boost to his credit report thanks to my generosity. He never took advantage of me on that though, that's one thing I can say about him.
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hockeyplayr
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Postby hockeyplayr » Mon Jul 01, 2013 7:59 pm

I like the US based customer support. When I activated my card today I was connected with their call center in Arizona. Got a girl on the phone that was definitely from the area and was more than helpful to explain my card to me and answer any questions I had. And it is 24/7 to boot
Credit Scores: Equifax - 736 (October Fico) | Experian 726 (October Fico) | TU - 758 (October Fico)

Credit Lines: Diners Club 20k | Citi DC 9.1k | SDFCU 5k | Penfed 7k | Amex BCE - 10.5k | Chase Marriot - 5.2k | CSP - 6.5k |Discover IT - 9k | Sallie Mae 3.8k | Citi TYP - 3.5k | BOA 123 - 4.9k | Total Rewards 3.25k|

MemberSince99
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Postby MemberSince99 » Mon Jul 01, 2013 9:12 pm

Their CSRs are great. Have nothing but good things to say about them.

Kripler68
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Postby Kripler68 » Mon Jul 01, 2013 9:32 pm

I have had really good luck with them, Friendly U.S. based csr is the best part of them and the 5%

HookEmHorns
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Postby HookEmHorns » Sat Jul 06, 2013 10:39 pm

The only reason I don't use my Discover more is due to the $50 minimum required to use cash back rewards for a statement credit or a direct deposit. As a student, I'm not running that kind of money through my credit cards and it takes awhile for me to earn that much cash back. Chase and Amex require just a $20 minimum. Thus, they get most of my card swipes.
AMEX PRG~1/14--backdated to 2012
AMEX BCE~6/13--backdated to 2012
Chase Freedom~5/13
Discover IT ~12/12

:cool:

im_mr_awesome
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Location: Indianapolis, IN

Postby im_mr_awesome » Sat Jul 06, 2013 11:18 pm

Yeah that is one thing I don't like about discover. I don't like having to wait until $50 in rewards. With no minimum for redemption, Capital One is actually one of the best for rewards. I have $13.50 in rewards on my capital one card, and I could have redeemed at 75 cents.
Scores on the mend...
FICO: 650 (Discover/TU, 6/23/2016)
Cards I Use Citi Double Cash, Chase Amazon, Capital One QuickSilver
Sock Drawer Discover IT, Citi Diamond Preferred, AE Visa, QuickSilver One, Walmart CC, CareCredit, CreditOne (keeping for history for now)
Short Goal Reach 680



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