Discover was an innovator when it launched in 1986, with its no annual fee and cash back rewards program. New comments cannot be posted and votes cannot be cast, More posts from the CreditCards community. If you’d like skip the full list, press # on the first menu provided and 4 on the second. When launched, Discover did not charge an annual fee and offered a higher-than-normal credit limit, features that were disruptive to the existing credit card industry [citation needed].A subsequent innovation was "Cashback Bonus" on purchases. Enter your information below. Move on and try another card. I got a discover IT secured card as my first card because it was the only thing I could get. So I’m applying for my first credit card, I was reading about good cards to start with and the Discover It card seemed pretty appealing. Because I got this card and used it responsibly, I have been able to get better rewards cards, better interest rates on car loans and all of the other great things that come with building credit. You can apply for Discover credit cards at Discover.com or by calling 1-800-DISCOVER (1-800-347-2683). Discover is the leader in cash rewards credit cards, having introduced the very first cash rewards card on the market, back in 1986. A minimum deposit of $200 is needed to be approved for a Discover It Secured card… Welcome. The Discover it® Cash Back card is one of our most sought-after offers and stands out from the competition because of its year-end bonus and many consumer-friendly features. Other than Discover we see a lot of Capital One and Wells Fargo secured cards on here. 6x Hilton points on my 2 personal biggest spend categories (gas and dining). When you’re ready to collect your hard-earned Discover credit card rewards, here’s a quick rundown of your Discover redemption options . Don’t fall into their traps, Check discover and capital one pre approval websites to find out which card you have highest chance of being preapproved for. We also have Discover student cards and a Discover business card. So I’m applying for my first credit card, I was reading about good cards to start with and the Discover It card seemed pretty appealing. Getting 1% or 2% cash back on your rewards credit card is certainly better than getting nothing. Credit Card. Discover will automatically match all the cash back you've earned at the end of your first year! Reddit gives you the best of the internet in one place. Check to see if you are still pre approved. I would highly suggest capital one platinum. Alternatively, find out what’s trending across all of Reddit on r/popular. Improving Credit Scores and Building Credit. They look identical.https://www.capitalone.com/credit-cards/reviews/?prodid=securedcard. You may need to procure a secured credit card. You'll still keep all the same rewards and benefits on your credit card. Here is a list of good options. I'm new in doing research on credit cards and how everything works, so I didn't know if there was a generally agreed upon "best card" that everyone defaults to start building credit. Reddit has thousands of vibrant communities with people that share your interests. Checking Your Status by Phone. Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score. Discover It Secured is one of the few secured credit cards that earn rewards. Password It's very easy to build rewards by simply using your CC in place of a debit card and paying it off every few days. I was denied by their automated system, but then approved a day later without doing anything. My bank, Chase, doesn't offer a secured credit card unfortunately. I got a discover IT secured card as my first card because it was the only thing I could get. The line is available at all times, and a real person should take your call. Since then my credit score has increased and they automatically increased my limit from the original $600 to $1000, and after another 6 months or so I requested a credit limit increase and they bumped me up to $1,600. Please ask questions and contribute to the knowledge surrounding credit cards. Most reviews I read about point me towards the Discover IT since it graduates, offers rewards, and consistently reports to the 3 major credit bureaus. I’d suggest the Capital One Platinum, which is an unsecured card but doesn’t offer rewards (you can usually upgrade it to Quicksilver after a year or so). Discover Bank Secure Account Log In. If you prefer to check your status by phone, you can call Discover’s customer service phone number at (800) 347-2683. Press question mark to learn the rest of the keyboard shortcuts. I always recommend that people check to see what their bank or credit union offers first. If you currently have a Discover More card and decide to convert it to a Discover it card, you can call customer service at 1 (800) 347-2683. How to check your Discover card application status by phone: Call the Discover credit card application status phone number: (800) 347-3085. It has a 95$ af, however provides a $150 statement credit after your first purchase, as well as 150,000 Hilton points after 2K spend in 3 months. Help. Features and benefits on Discover cards differ slightly, but they are mostly consistent across all cards. The Discover It and Chase Freedom cards are the reasons why I don’t have an Amazon Prime card. They have a app they you pay through and really helps your credit but for everything stay away from anything credit one. Social Security Number. It's easy, convenient and secure. 6x on supermarkets as well. Press question mark to learn the rest of the keyboard shortcuts, https://www.capitalone.com/credit-cards/reviews/?prodid=securedcard. Discover Financial Services is sending you this IRS Consent Form 4506-T related to your existing account. Discover is a credit card brand issued primarily in the United States. See comparison grid for more. You care about Due they report secured cards to 3 bureaus (reporting is a biggie), do they offer a graduation to an unsecured card and will they after a certain period raise your credit limit. I am a bot, and this action was performed automatically. Discover will also double the rewards you earn in your first year with its Cashback Match offer. A subreddit for discussing any aspect of credit cards. Menu. Online access lets you log in anytime to check balances, transfer money, pay bills and more. In 7-10 days you'll get a letter from us explaining why.” Maybe this is a dumb question with an easy answer but if anyone’s experienced this or knows what’s going on let me know, thanks. 1 So if you earn $50 cash back, we'll give you another $50. This card comes in both secured and unsecured. Get a constantly updating feed of breaking news, fun stories, pics, memes, and videos just for you. After a year of on time payments they sent me a check for my initial deposit and it "graduated" to a regular credit card. Thanks for the quick responses and good tips, appreciate it guys👍🏼. Close . Before you give up, I suggest you call Discover and ask for a reconsideration. Discover ® Card Application Check the status of your Discover ® Card Application. Discover will automatically match all the cash back you earn at the end of your first year after you open your new Discover it ® cash back card. Passionate about something niche? Listen for the menu options. But unlike most other secured cards, the Discover it® Secured Credit Card offers rewards. Build a Credit History. When you graduate, we encourage current student card members to call us to update their personal information such as income, housing, e … To get the most out of your Discover cash back credit card rewards, just use your card on every purchase. My guess, with knowing very little about your situation, is that you got denied for lack of credit history, being this would be your first credit card. Now they are only paying $12 per month towards interest instead of about $60 per month, before the rate decrease. And IIRC they match your cash back bonus after a year which I wish I would've utilized more. I’ll apply for another card and read into it. Join our community, read the PF Wiki, and get on top of your finances! While many things might be changing in your life, your Discover Student card doesn't have to. The customer was late in the past, and that is why their rate was so high. It is important to pay them in full and on time. Article from popsugar.com. Their reason in the letter was they couldn't verify my SSN. Ask for a secured card. I wanted a Hilton Amex card for a while. Okay, thanks for the response. Card Help Center ... Log in to Your Discover Card Account. Happened to me. Check your balance, pay bills, review transactions and more using the Discover Account Center, 24 hours a day, seven days a week. Discover issues several types of credit cards, and applying for a Discover credit card — and knowing your Discover application status — couldn’t be simpler. User ID. Discover Card lowered the interest rate of one account from 29.99% to 3.99%. Discover has gotten stingier with their approvals. Discover was my very first credit card as a college freshman. All Products. The Best Student Credit Cards for 2021. Discover application rules. Compare credit cards to find which offer is right for you.. The Discover it® Cash Back is quite popular. Since this card has no annual fee that means you can earn quite a profit. At this time, a temporary hold is being placed on your Discover Card account as we need to verify the income information that you provided in your application. There’s no application or hard credit pull required. Well, pulled the trigger last night and got accepted for the surpass (715 fico.) Super easy! The Discover Card is the fourth-largest issuer of credit cards in the world. What attracts me to the Discover IT card is that it has rewards right off the bat, and you can "graduate" to an unsecured card down the road. Discover is a friendly creditor for building credit. Maybe I mistyped it in...but had to wait a week to find out. Because it was the only thing i could get it in... but had to wait a to! Card because it was the only thing i could get credit Scorecard with your FICO® credit Score the personalfinance.... And you ’ ll always get to speak to an actual person use... I usually end up maxing out the 5 % categories whenever Amazon is featured ( 10 with... 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