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  1. #1
    LTomBerry
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    Default Discover More approval insights

    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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    Reply With Quote Reply With Quote     May 23, 10, 5:46 pm
  2. #2
    Mogul of Pineapples
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    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. 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: Citi Thank You Premier
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    Reply With Quote Reply With Quote     May 25, 10, 1:14 am
  3. #3
    Mahler18
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    I'm actually strongly considering the More. Thanks for sharing!
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    Reply With Quote Reply With Quote     Nov 30, 10, 8:36 pm
  4. #4
    Smerri
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    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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    Reply With Quote Reply With Quote     Dec 1, 10, 8:55 am
  5. #5
    Mogul of Pineapples
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    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.
    Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed. 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: Citi Thank You Premier
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    Reply With Quote Reply With Quote     Dec 6, 10, 1:08 pm
  6. #6
    CreditCardGuru
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    Check out the Discover More review for a special signup bonus!

    -CreditCardGuru
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    Reply With Quote Reply With Quote     Dec 13, 10, 10:20 am
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