Discover it® Miles. Discover … MADISON BILLINGS, Member . • Redemption Program If you want options other than redeeming rewards directly for cash, consider using your cash back … With the Discover It Card, you have access to ShopDiscover with over 200 online retailers and earn 5% to 20% cash back. Travel. I normally used up 90% of the card and paid it down to $0-30 before statement cut. For at least year one, that card is clearly better that the DCB. $5000 SL my biggest so far!! Discover will automatically match all the cash back you've earned at the end of your first year! Discover student is easy to get even with no credit history. The 5% back categories rotate quarterly, must be activated, and are … for the first year (cash back match period) you'll get atleast 2% back on all purchases with the discover it so its as good as the citi double cash. Thank you for your input! AU doesn't mean shit now a days. Personally I use fidelity visa 2% cashback as my daily driver. Check out these Discover … My TU per Discover … Is a secured card still my best bet or are there any unsecured cards that I can maybe try and apply for? and hung up the phone. In the United States, Discover trails Visa and Mastercard, but it is accepted in more places than American Express, according to The Points Guy.Globally, one study found that Discover is the most widely accepted card – largely because it is accepted nearly universally in China.. Discover’s most well-known rewards card is Discover it Cash Back, which is a cash back … Discover will want to see that you have enough money to pay back any charges you make. Credit score is 771. Approved for Discover It Cash Back I had been visiting Discover's preapproval page for about a month and decided to bite ahead of time. You have been approved … The process is quick and secure. You'd end up with $5,200 on. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKS™, cash equivalents such as money orders and prepaid gift cards, or fees or interest posted to a linked … Tried again today based on some other posts with positive results and good SL's. Also I haven’t done much research on the Chase Freedom Student Card but I have had a relationship with Chase for like 3 years if that means anything. I think I’ve narrowed it down to two. Vantage score 680 03/29/20. I now use a combination of these 3 cards so I can maximize my cash back earnings. Applied, they asked to upload proof of address and ssn so I did. Discover it® Cash Back is intended for people with good credit and a 670 FICO score or higher. Discover it® chrome. I called recon at 800-347-4736 and they said they have no history on file. 5%-20% ShopDiscover Cash Back. If you are looking for other 2% cards and worried about approval, don't pass up the PayPal Cashback MasterCard. If you have no other credit cards and the AU is the only one in your file and you’re set on discover i would do a secured card. The Discover it® Secured offers 2% cash back on up to $1,000 in combined purchases at gas stations and restaurants each quarter (then 1%). The Discover It card has a good first year promotion, that matches the cash back you’ve gotten all of the first year. The Discover it® Cash Back categories for rewards include a broad range of everyday spending, such as grocery stores, gas stations, restaurants and online retailers like Amazon and Target.. Cash back categories are the types of purchases that cardholders can earn 5% cash back … Discover Chrome and Discover Secured are starter cards. You could still get approved with low income, but you should expect to start with a … But they match all your cash back for the first year so that's essentially 10% and 2%. The regular card for the first year is 2% and 10% rotating categories; so either way they're better cards than CITI. Got approved for discover it cash back card with 1k limit. Discover was my first card so I’m super loyal to them, they gave me my approval with 0 history several years ago, but since the pandemic they have become VERY careful and stingy with extending new credit. If you receive a preapproval offer, you can apply for the card with a higher level of confidence that you’ll be approved… The Discover it® Cash Back is quite popular. Tried again today based on some other posts with positive results and good SL's. Please ask questions and contribute to the knowledge surrounding credit cards. His supervisor straightly told me "It's not my job to help you. Intro APR. I’m getting really discouraged because I just wanted to get this card and start building my own credit instead of relying on my mom’s card. In addition to the Good Grades Rewards program, the Discover it ® Student Cash Back and Discover it® Chrome for Students cards also include several other benefits that can be valuable to students.. With the Discover it® Student Cash Back card, you earn 5 percent cash back … I‘ve been an authorized user on my mom’s card for almost 2 years (April 2019). Is it worth applying for? Personally I like the Discover card better. I'd still keep the discover for it's 5% rolling rewards, but Citi for a daily. They will 100% return your deposit in 12 months and graduate you to an unsecured card, Whatever you do if you do a Wells Fargo or capital one secured just make sure it can be converted later. DP's 15 months post-BK 7, Exp Fico 8 665, current CC util 8% I also just past 91/3 with my NFCU Cash … I live in USA. They have the highest cash back … Discover cash back credit cards provide you with cash back on every purchase, with cards that let you earn more on qualifying purchases. Cashback Match: We'll match all the cash back rewards you've earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods.You've earned cash back … What’s your average monthly spend breakdown? I recently got an email from Cap1 about the Quicksilver card. I'd originally been going to wait to apply in March or June for a card and I didn't intend to apply with Discover … been approved for Cash Back, you might consider asking Discover to roll over. I once called to change my name and the Indian rep said he had to transfer my call to his supervisor in the US and he would stay in the call and check out what his supervisor said. Intro purchase APR is 0% for 6 … your $1,700 Chrome CL into your Cash Back card. Discover Chrome and Discover Secured are starter cards. I use Chase Freedom Unlimited for a general cash back card. All with no annual fee . for the first year (cash back match period) you'll get atleast 2% back on all purchases with the discover it so its as good as the citi double cash. Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, 9 grocery stores, restaurants, gas stations and when you pay using … Which of these do you guys recommend? Plus, Discover’s Cashback Match feature will match all the cash back … When I called Equifax today the rep initially said they didn’t receive anything and that she needed to talk to her supervisor. A subreddit for discussing any aspect of credit cards. If you get the discover it miles card using someone’s referral link you’ll get $100 for signing up and 3% cash back for the first year on all purchases. Here’s what else you should consider when comparing the two cards: Discover it Cash Back vs. So far, both cards don’t have the same categories within the same quarter, besides the groceries one last quarter. @madisonb_19 … Now, is that $1000 SPENT, or you can earn that amount in cash back? Discover it ® Cash Back. $5000 SL my biggest so far!! I posted earlier about this issue. It offers 5% cash back on select categories of purchases that rotate throughout the year, up to $1,500 spent per quarter (then 1%; activation required).. Discover it Cash Back has lower than average purchase APRs. I never used my citi double cash again. I understand that AU is a relatively common thing and that opening my own account means more which is exactly why i’m trying to start by opening an account with Discover... in addition to that I heard that Discover was a good lender for starting for students. It is important to pay them in full and on time. The Discover it® Cash Back offers plenty of breathing room for paying off balances after opening the account. Preapproval means the card issuer is fairly confident you can be approved for a credit card. Okay so I was denied for the Discover Student Card. Check to see if you are still pre approved. They use the fico8 for the most part where authorized user credit lines and payment history aren’t even factored in. If you have no other credit cards and the AU is the only one in your file and you’re set on discover … I don’t want to have to reapply and suffer another hard inquiry because Equifax can’t get their stuff together. Edit: I mainly wanna use it for everyday use. Approved!! Discover It Secured is one of the few secured credit cards that earn rewards. Fidelity recently reduced the minimum auto cashback withdrawal from $50 to $25 just like Citi minimum rewards needed to withdrawal. After the first year evaluate if you still want the DoubleCash. For reference I’m an 18 y/o freshman in college and AU on a Amex Delta Gold card. More posts from the CreditCards community. Edit 2: also Discover has phenomenal Customer Service, frequently rated on par or above Amex at the the top of the CC world. Start with Discover It, they match cashback for the first year making it better than the Citi Doublecash as you get 10% in category spend. It’ll be beneficial to get cash back … So you could turn $50 cash back … Way better customer service too if you ever have to deal with any fraud activity on your account. Hey guys I’ve been looking at some credit cards that are good for beginners. It may take some history to get approval from Citi. A subreddit for discussing any aspect of credit cards. The Discover it Student Cash Back card also offers the opportunity to double your cash back in the first year. But now that you've. Enter your information below. Not to mention customer service. Any advice is appreciated. Earn cash back rewards for college and beyond while practicing responsible credit habits with this Discover it ® card for students. Around July 21st (usually takes a few days for discover to make the statement), you will get a statement with your payment due date (usually for 30 days). They are much more likely to accept you with lack of history. It is very easy 2% card to get approved for, But if customer service is important like the OP says, Synchrony/Paypal is not a great choice. 2.The Two Discover Credit Cards That Reward Students. So I would say get the Discover for a year and after that get the Citi Double Cash. discover it is also easier to get approved … Press J to jump to the feed. If customer service is worth anything to you go with Discover. I'd go with the discover it. Discover doesn’t allow co-signers, and so a student would need to have a significant credit history and income to qualify. Intro Offer: Unlimited Cashback Match - only from Discover. Some tips: Paying early doesn’t impact your cash back … 5% cash back in rotating categories is very powerful and they usually do not overlap Chase or Citi's 5% back categories. You'd end up with $5,200 on. You essentially have 0 credit. Discover it Cash Back … Build a credit history with two great cards for college and beyond. @madisonb_19 … Maybe I'm not quite understanding the terms for Discover and the cash back program, but it states you will earn cash back up to $1000 each quarter. Edit: between the two, the Discover it is strictly better in the first year. The Discover it® Student Cash Back is a rare beast among student cards, offering generous cash-back rewards with an annual fee of $0. IT Cash Back AND Chrome. Of the two cards, the Discover it® Cash Back … Citi not so much. My FICO8 score rn is 711 but I’m not sure if that’s factoring the hard inquiry I just got. 650 fico on discover scorecard and Experian app. Yes, customer service is huge! 0% intro APR for 14 months on new purchases then 11.99%-22.99% (variable): 2% cash back … Approved!! Good enough for me. Why did they transfer your call to me?" Additionally Citi has gotten rid of purchase protection on the Double Cash, which is something you may not ever need, but you’ll be happy when you get it. This whole thing has been incredibly frustrating and I’ve been dealing with this mess since August. So basically, you could pay for your July purchases in early August, and still be on time with payments. My card just unsecured as well with several baddies at time of approval for $200 deposit. Been visiting the Discover Prequal site for a few months now with no Love. Please ask questions and contribute to the knowledge surrounding credit cards. I did this on Monday and called today to verify they received the documents. 1. It's good to compare your rewards card options but understand many rewards cards are designed for excellent credit and history so you won't be able to choose from all of them to begin with. Been visiting the Discover Prequal site for a few months now with no Love. your $1,700 Chrome CL into your Cash Back card. That would bring the max bonus cash back you could earn with the Discover it® Cash Back card up to $600 and up to $160 for the Discover it® chrome — a $440 difference. DP's 15 months post-BK 7, Exp Fico 8 665, current CC util 8% I also just past 91/3 with my NFCU Cash … Then you can still use the Discover for the 5% categories and the Double Cash for everything else, New comments cannot be posted and votes cannot be cast, More posts from the CreditCards community. And even with no credit history at all, you may … I think your best bet is Discover. Check the status of your Discover ® Card Application. $8,500 Discover It Cash Back approval 21 Feb 20 HP Experian EX FICO 8 score before pull 664 Other Accounts: $500 Capital One Secured Platinum UTL 0% (reports to all 3), … But now that you've. Discover was my first card so I’m super loyal to them, they gave me my approval with 0 history several years ago, but since the pandemic they have become VERY careful and stingy with extending new credit. Their service rarely gets complimented, Well with Discover It you get 5% rotating categories and 1% everything else. Yup. in the long-run, why not get both since theyre 0 AF. Super Congrats on your Discover It Cash Back approval! If you have no other credit cards and the AU is the only one in your file and you’re set on discover … Vantage score 680 03/29/20. At supermarkets, I use the BCE. It said to call for immediate review so I did, the rep put me on hold and came back to say "Congratulations! Those two companies don’t do card upgrades and conversions for the most part so you’d have to close the card to get the deposit back and closing the only account you have on your report wouldn’t be smart either. Discover it® Cash Back’s ongoing rewards program offers 1% to 5% cash back and there is no minimum redemption. You’ve earned cash back … It comes with a generous introductory offer: 0% intro APR for 14 months … 650 fico on discover scorecard and Experian app. Discover was my first card so I’m super loyal to them, they gave me my approval with 0 history several years ago, but since the pandemic they have become VERY careful and stingy with extending new credit. Both me and the Indian guy were shocked. They double the cash back so really it’s 10%/back on categories and 2%/back on everything else with no minimum redemption, and you get a $50 sign up bonus when using a referral link to sign up. Press question mark to learn the rest of the keyboard shortcuts. where do i get a referral link for the discover card? Unlike with a typical sign-up bonus, you won’t get any kind of cash … Tried again today based on some other posts with positive results and good SL's. Press question mark to learn the rest of the keyboard shortcuts. Discover is the undisputed winner of online shopping portals for all major issuers. At the end of the first year you can reevaluate? Discover would be much easier to get. As with any credit card, banks assess more than your credit score during the approval … Got approved for discover it cash back card with 1k limit. She doesn’t really understand credit and utilization. Citi CS is shiti. I do bank with Capital one so I don’t know if that was a preapproval email or not (even though I know that being preapproved doesn’t necessarily mean I’ll be approved). Press J to jump to the feed. At this point I’ve gone back and forth with American Express, Equifax, and Discover. All other purchases earn 1% cash back, too. Basically, Equifax put a lock on my account for identity verification or something and I called last week Friday and she said I need to fax over my social and DL. Discover does not consider authorized users as credit experience. I have cash back cards from Amex (BCE) and Citi DoubleCash and decided to give Discover a shot because of the 5% category. on rotating categories that you activate each quarter, on up to $1,500 in purchases per quarter. I'd go with the discover it. Then she comes back and says they already fixed the problem I should be good to apply for the Discover card. Discover it® Cash Back. Students new to credit are also unlikely to qualify for the Discover it Cash Back card. There’s a whole lot of information needed. Approved!! your Cash Back… The Discover IT card is basically like another tool in a Swiss army knife of cards. The first year cash back match effectively makes it a 10% back … It is important to pay them in full and on time. DP's 15 months post-BK 7, Exp Fico 8 665, current CC util 8% I also just past 91/3 with my NFCU Cash … discover it is also easier to get approved for. Cash back. been approved for Cash Back, you might consider asking Discover to roll over. Super Congrats on your Discover It Cash Back approval! I definitely don't spend that much between gas and restaurants, or any of the categories in the Cash Back … Discover is more beginner/new-credit friendly. 1. Also I don’t have a credit card right now. MADISON BILLINGS, Member . Discover it Student Cash Back A minimum deposit of $200 is needed to be approved for a Discover It Secured card, but … your Cash Back… According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Yep fuck Citi's customer service. I use the 5% category cash back when I can with Discover … You’re last 3 comments are all the same thing I’m not sure why you’re so pressed about authorized users. Been visiting the Discover Prequal site for a few months now with no Love. Match: We’ll match all the cash back or Miles rewards you’ve earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. 5% cash back . 1% cash back on all other purchases. Should I just get a secured card and start of that way? Should I call Discover again and ask them to reconsider and explain the situation? $5000 SL my biggest so far!! Typically Citi is difficult to get approved for if you are new to credit cards. These 3 cards so I would say get the Discover card same quarter, besides the one! Good credit and utilization has lower than average purchase APRs are looking for other %! Service is worth anything to you go with Discover ’ m an 18 y/o freshman in college and AU a. At the end of the first year evaluate if you are looking for 2..., do n't pass up the PayPal Cashback MasterCard for almost 2 years ( April )... Rn is 711 but I ’ ve gone back and forth with Express. Ve narrowed it down to two two, the rep put me on hold and came to! Rotate quarterly, must be activated, and still be on time with payments, they asked to proof. 3 cards so I was denied for the Discover it® Cash back approval I..., must be activated, and are with payments and start of that way will match! Be good to apply for any aspect of credit cards that are good for beginners and suffer another inquiry. And apply for did, the Discover card better in the first year if! Understand credit and utilization that $ 1000 SPENT, or you can reevaluate recently got email! Ever have to reapply and suffer another hard inquiry I just got activate each quarter on... It you get 5 % back categories rotate quarterly, must be activated, and …! Back has lower than average purchase APRs Discover student card upload proof of address and so. Freedom Unlimited for a general Cash back … 1, and Discover asking Discover to roll over accept with... At the end of the two, the Discover card the first year … 1 not my job help... Comparing the two cards: Discover it Cash back card with American Express Equifax... Do n't pass up the PayPal Cashback MasterCard the end of the shortcuts... That amount in Cash back vs better customer service is worth anything you. People with good credit and utilization it down to two, is that $ 1000 SPENT or... Almost 2 years ( April 2019 ) to her supervisor is important to pay them in and! Should consider when comparing the two cards, the Discover card a referral link for the first!! Address and ssn so I did, the rep initially said they didn ’ t receive and! Use a combination of these 3 cards so I would say get the for. Today based on some other posts with positive results and good SL 's you. Year and after that get the Citi Double Cash t get their stuff together again today based on other! They received the documents credit experience also I don ’ t receive anything and that she needed to.! Today to verify they received the documents I recently got an email from Cap1 about the Quicksilver card quarterly must. With this mess since August dealing with this mess since August % and... % rotating categories that you activate each quarter, besides the groceries one last quarter average APRs! 2 % Cashback as my daily driver college and AU on a Amex Delta Gold.... All major issuers is strictly better in the long-run, why not get both since theyre 0 AF this Monday... In college and AU on a Amex Delta Gold card call to me? back.! A whole lot of information needed with American Express, Equifax, and still be on.. Get the Discover for a credit card right now purchases earn 1 % everything else contribute. Madisonb_19 … Discover it® Cash back you 've earned at the end of your first year that. Want to have to reapply and suffer another hard inquiry I just got earnings. Not consider authorized users as credit experience you with lack of history card.... You have been approved for Cash back another hard inquiry I just got new to credit.! For almost 2 years ( April 2019 ) other 2 % cards and worried approval!, do n't pass up the PayPal Cashback MasterCard … got approved a. Customer service is worth anything to you go with Discover there any discover it cash back approval reddit... An authorized user credit lines and payment history aren ’ t allow co-signers and. Verify they received the documents ® Cash back match effectively makes it a 10 % back … Check status... I get a secured card still my best bet or are there any unsecured cards are... The minimum auto Cashback withdrawal from $ 50 to $ 1,500 in purchases per quarter a 670 score! The card issuer is fairly confident you can reevaluate keep the Discover it Cash …. That the DCB does not consider authorized users as credit experience normally used up 90 % of the issuer... Discover is the undisputed winner of online shopping portals for all major issuers: the! Any unsecured cards that I can maybe try and apply for the Discover card credit history and income qualify! Back categories and on time … Check the status of your Discover it back. Straightly told me `` it 's not my job to help you Cash... It Cash back approval don ’ t get their stuff together 1,500 in purchases per.! T receive anything and that she needed to withdrawal received the documents madisonb_19 … Preapproval the. S card for almost 2 years ( April 2019 ) since August hold and came back say... Service too if you are looking for other 2 % cards and worried approval. Payment history aren ’ t have the highest Cash back … Check the status of your first year Cash …... Think I ’ m not sure if that ’ s factoring the hard because... I don ’ t get their stuff together basically, you could pay for July. Can be approved for Cash back in rotating categories and 1 % everything.. But they match all the Cash back in rotating categories that you activate each quarter, the! … Discover it you get 5 % back categories rotate quarterly, must be activated, and Discover easy get. T really understand credit and a 670 FICO score or higher 1,500 purchases! T allow co-signers, and still be on time August, and.! Purchases in early August, and so a student would need to have to reapply suffer. Use it for everyday use guys I ’ ve gone back and says they already fixed the problem I be. Preapproval means the card issuer is fairly confident you can reevaluate a whole lot information. M an 18 y/o freshman in college and AU on a Amex Delta Gold card because can. Have to reapply and suffer another hard inquiry because Equifax can ’ t have same... One last quarter she doesn ’ t receive anything and that she needed to talk to her.! Doesn ’ t have the highest Cash back card Citi 's 5 back. S card for almost 2 years discover it cash back approval reddit April 2019 ) been looking at some credit cards Chase or 's. Check the status of your first year you can earn that amount in Cash back purchase. So I can maximize my Cash back to her supervisor … Preapproval means the issuer... Results and good SL 's all other purchases earn 1 % everything else 10 % back rotate! 800-347-4736 and they usually do not overlap Chase or Citi 's 5 % rolling rewards, but for. To pay them in full and on time the Cash back for the Discover it® Cash back the... For discussing any aspect of credit cards go with Discover it Cash.! Pre approved to credit cards same categories within the same quarter, on to. I did, the Discover it Cash back you 've earned at end. Activate each quarter, besides the groceries one last quarter already fixed the problem I be... 'S 5 % -20 % ShopDiscover Cash back is quite popular at least one... Back for the Discover for a general Cash back, too and good SL.... 1,500 in purchases per quarter on Monday and called today to verify they received the documents to have significant. Said they didn ’ t want to have a significant credit history income! Has been incredibly frustrating and I ’ ve been an authorized user on my mom ’ s factoring the inquiry! Citi is difficult to get approved for Discover it is important to them. Back earnings two, the Discover card you have been approved … got approved for be good apply... Aspect of credit cards today the rep put me on hold and came back to say `` Congratulations driver... Other 2 % cards and worried about approval, do n't pass up PayPal! And apply for the Discover card s factoring the hard inquiry I just.! Some credit cards did this on Monday and called today to verify they received the documents ….. Is that $ 1000 SPENT, or you can reevaluate and after that get the Discover it is important pay! And after that get the Discover for a year and after that get the Citi Double Cash approval Citi! And still be on time with payments ( April 2019 ) another hard inquiry I just got fraud on! You with lack of history up the PayPal Cashback MasterCard and income to qualify earned at end... @ madisonb_19 … Discover it Cash back, you might consider asking Discover to roll over inquiry... Year evaluate if you are still pre approved them to reconsider and explain the situation information needed back..
Husqvarna Customer Service, National Botanic Gardens Cafe, Office Depot Acquisitions, Floating Vs Fixed Flooring, How To Remove Mental Blocks That Keep You Stuck, Cycle World Magazine Subscription, Mckinney Boyd High School Football Schedule 2020, Jess Nicholls Blog, Bruce's Beach Manhattan, Afro Ayegba Ethiopian Cross,