"APPROVED!"
Discover® More® Card Review
Written by: thomas1 on 2008-08-13
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
thomas1's review: 
I figured since I was approved for the Citi Amex last week, I'd go ahead and finish up with an app to Discover to complete my mix.
Approved CL $4,000
No AF
0% for 6 mos, then 14.99% thereafter
0% on BT for 12 mos.
I think what helped me with this one is that I've been AU on my mom's account since 1999, but never had the card, just wanted the history when I was cleaning up my own credit issues.
Anyway, I'll take it, just glad to get in the door on my own. Also, they offered the coolest looking cards too! 5% cashback on certain purchases, and 1% on everything else.
I figured since I was approved for the Citi Amex last week, I'd go ahead and finish up with an app to Discover to complete my mix.Approved CL $4,000
No AF
0% for 6 mos, then 14.99% thereafter
0% on BT for 12 mos.
I think what helped me with this one is that I've been AU on my mom's account since 1999, but never had the card, just wanted the history when I was cleaning up my own credit issues.
Anyway, I'll take it, just glad to get in the door on my own. Also, they offered the coolest looking cards too! 5% cashback on certain purchases, and 1% on everything else.
11 Comments
Comment 2 by thomas1
DISCOVER 
on 2008-08-13
BTW, my scores are all around 690-705. I am finished for a long time now. Time to let these newbies age over the next 12-24 months. I know i'll take a hit for the two accounts within the last week. Gonna check my scores next week or so to see just how many points came off for these inquiries.
on 2008-08-13 BTW, my scores are all around 690-705. I am finished for a long time now. Time to let these newbies age over the next 12-24 months. I know i'll take a hit for the two accounts within the last week. Gonna check my scores next week or so to see just how many points came off for these inquiries.
Comment 4 by colonative
5% Cash Back Bonus on 2008-08-14
Oh yeah, I LOVE Discover. I've had mine since 1999 but I don't use it as much since 2004 when I had my Citi MasterCard upgraded to the Dividend.
Anyway, the 5% bonus is great. Right now through September you get 5% on gas and hotels. In October through December it is on groceries. Just make sure you call them or go online and sign up because it isn't automatic!
on 2008-08-14 Oh yeah, I LOVE Discover. I've had mine since 1999 but I don't use it as much since 2004 when I had my Citi MasterCard upgraded to the Dividend. Anyway, the 5% bonus is great. Right now through September you get 5% on gas and hotels. In October through December it is on groceries. Just make sure you call them or go online and sign up because it isn't automatic!
Comment 5 by thomas1
Discover on 2008-08-15
Thanks for that info ColoNative. I'll check it out when the card arrives and I sign up online.
on 2008-08-15 Thanks for that info ColoNative. I'll check it out when the card arrives and I sign up online.
Comment 6 by ashes
Discover on 2008-08-15
I screwed up with Discover 10 years ago and had my card closed. I had paid them off 9.5 years ago and perhaps I will apply again. I am not sure how will they treat me since I used to have Discover a long time ago and defaulted and paid 9.5 years ago. Any comments?
on 2008-08-15 I screwed up with Discover 10 years ago and had my card closed. I had paid them off 9.5 years ago and perhaps I will apply again. I am not sure how will they treat me since I used to have Discover a long time ago and defaulted and paid 9.5 years ago. Any comments?
Comment 7 by colonative
Ashes on 2008-08-16
Ashes that sucks about your old Discover Card. I love that I got mine before the new decade started because I am mad about "Member Since" dates (the older the better). But to your question, if you paid off the bad debt to Discover 9 1/2 years ago I don't see any reason why they wouldn't approve you for a new one, so long as your scores are up and you have not gone on a application binge. I have heard on the board that if you are declined by Discover for a Discover More Card (I really hate that by the way, I liked Discover Platinum better) they will offer you a Discover Card from HSBC-though it isn't as good an offer.
To be honest, it took 4 applications before I was finally approved for a Discover Card. I tried 2/98 (when I was 19 and only had credit for a month) again in 7/98 and in 5/99 (they "pre-selected" me and when I was naive and young I thought it was for sure). Finally in 11/99 after a co-worker rubbed his new Discover in my face I went online and applied and was finally approved. So, I know what you are going through. You might also try for the Sprawl-Mart Discover or Sam's as well as they are issued by GE Money Bank.
on 2008-08-16 Ashes that sucks about your old Discover Card. I love that I got mine before the new decade started because I am mad about "Member Since" dates (the older the better). But to your question, if you paid off the bad debt to Discover 9 1/2 years ago I don't see any reason why they wouldn't approve you for a new one, so long as your scores are up and you have not gone on a application binge. I have heard on the board that if you are declined by Discover for a Discover More Card (I really hate that by the way, I liked Discover Platinum better) they will offer you a Discover Card from HSBC-though it isn't as good an offer.To be honest, it took 4 applications before I was finally approved for a Discover Card. I tried 2/98 (when I was 19 and only had credit for a month) again in 7/98 and in 5/99 (they "pre-selected" me and when I was naive and young I thought it was for sure). Finally in 11/99 after a co-worker rubbed his new Discover in my face I went online and applied and was finally approved. So, I know what you are going through. You might also try for the Sprawl-Mart Discover or Sam's as well as they are issued by GE Money Bank.
Comment 9 by colonative
Bureau on 2008-08-20
Oh man, that was such a long time ago, I want to say it was Experian.
on 2008-08-20 Oh man, that was such a long time ago, I want to say it was Experian.
Comment 10 by eric
Great Card! on 2008-08-28
Nice Card Thomas Congrats... Let us know how it works out.
on 2008-08-28 Nice Card Thomas Congrats... Let us know how it works out.
Comment 11 by thomas1
Discover on 2008-09-30
They pulled all 3 on me, with Transunion being my lowest at 696. It may be a geographical thing, because I've heard others just being pulled from Experian
Oh well, its all good
on 2008-09-30 They pulled all 3 on me, with Transunion being my lowest at 696. It may be a geographical thing, because I've heard others just being pulled from ExperianOh well, its all good
Please login or register for free to view your stats, add reviews and card application results, or post comments.
Credit card reviews and comments are posted by user submission and do not warrant the opinions of Finance Globe.
Disclaimer: This content is not provided by Discover Card. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Discover Card. Review content is powered by Finance Globe.
Disclaimer: This content is not provided by Discover Card. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Discover Card. Review content is powered by Finance Globe.
