"Alternative To Regular Discover CC"

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Written by: hawk on 2008-12-12

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hawk's review: I originally responded to a pre-approved Discover card I got a responce that unfortionaly bla bla bla... But to my surprise it had a link to click here for this other offer. I thought ok what do I have to loose at this point I selected it and was told that I was approved for the HSBC discover card. 750 cl the rewards are one point for every dollar you spend. I have had this card for about 7 months with no cli not that I expect any soon. This card is not bad but Discover is not taken or reconized every where like Visa or Master card.

6 Comments

Comment 1 by rsty99
Welcome on 2008-12-13

To the HSBC Discover group. Its like where part of something looking in to Discover where not. I have the card too and have not had any problems cl $1500 with no af. :)
Comment 2 by thomas1
DISCOVER on 2008-12-13

In years past, Discover wasn't as widely accepted as Visa/MC. In the past few, actually several, it has been more and more accepted to the point its accepted almost everywhere Visa and Mc are.

I think merchant acceptance was limited when this card hit the market in the 80's due to the merchant fee and discount rates were higher than Visa and Mc. Therefore, many merchants didn't accept it.

You will find it more widely accepted these days. The only drawback is that it is more accepted in the US and Caribbean. Overseas purchases with this card is not as widely accepted as the standard Visa and Mc. If anyone plans to use Discover or co-branded cards overseas, check first with them to see that it is wherever you are traveling.

I personally love Discover, they are their own issuer and bank. They offer up some of the best card benefits on the planet. They are very strict,(Discover) for approval and very conservative, but definitely a goal card for us to obtain.

They are much harder, in my opinion, to get than Amex for sure.

Good luck with the continued use of your card
Comment 3 by charonh
Good Luck! on 2008-12-13

With your card and congratulations. From what I've read, HSBC is very conserative with CLI. Hopefully it will help you qualify with Discover later on. I, too, love Discover and see the only drawback is its low acceptance compared to Visa/Mastercard, but it still is my first choice.
Comment 4 by jake9999
Congrats On Your New Card on 2008-12-13

I too have this card and you're right to not expect a CLI any time soon. I've had mine for almost 2 years now and still no CLI. I agree with Thomas1 - I very rarely have to use my Visa/MC because the merchant does not accept Discover. It's not particularly a bad card, but CS is bad and you'll likely never see a CLI. It opens doors for better cards no doubt. Good luck!
Comment 5 by colonative
Discover Acceptance on 2008-12-13

Congratulations on the new card. Hopefully soon you can get a Discover-issued Discover.

In the meantime, keep in mind that Discover recently acquired the Diners Club network which means that shortly wherever Diners Club is accepted, so will Discover Card. And I know what you are thinking, Diners isn't accepted anywhere, well that's not true, Diners is a card that many business travelers use worldwide.
Comment 6 by hawk
Thanks I Will Use This Card More on 2008-12-19

I'd like to thank you all for your comments and I will use this card at more locations. I was supprise at the bank one day when the teller asked for a credit card for verification purposes because I didn't bank there. I gave her my Discover card and she gave it back and stated Visa or Mastercard only. I was a bit anoid but gave her one of the other cards.

I do like the discover card though So I will be keeping it. I wanted to know if the HSBC version would work the same way Diners Discover works?
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