We also have Discover student cards and a Discover business card. 1 So if you earn $50 cash back, we'll give you another $50. The process is quick and secure. 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. My bank, Chase, doesn't offer a secured credit card unfortunately. The line is available at all times, and a real person should take your call. Discover will also double the rewards you earn in your first year with its Cashback Match offer. 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. The Best Student Credit Cards for 2021. A minimum deposit of $200 is needed to be approved for a Discover It Secured card… Here is a list of good options. Discover Financial Services is sending you this IRS Consent Form 4506-T related to your existing account. They might need more info from you, such as proof of your identification or social security number. Improving Credit Scores and Building Credit. Final Thoughts. And IIRC they match your cash back bonus after a year which I wish I would've utilized more. 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. 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. Check to see if you are still pre approved. Intro Offer: Unlimited Cashback Match - only from Discover. Outside of the 5% categories, Discover It … Press question mark to learn the rest of the keyboard shortcuts. They have a app they you pay through and really helps your credit but for everything stay away from anything credit one. But unlike most other secured cards, the Discover it® Secured Credit Card offers rewards. https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Best-Secured-Cards-that-Graduate/td-p/4912438. Since this card has no annual fee that means you can earn quite a profit. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. After a year of on time payments they sent me a check for my initial deposit and it "graduated" to a regular credit card. Please complete all fields below. 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. You’ll need to be 18 or older to apply for a card. Listen for the menu options. The customer was late in the past, and that is why their rate was so high. Enter your information below. You may need to procure a secured credit card. Password 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. They pride themselves on their excellent customer service and strive to introduce new programs and services that are on the cutting edge of the industry. 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. They look similar to capital one but they are horrible. You can apply for Discover credit cards at Discover.com or by calling 1-800-DISCOVER (1-800-347-2683). What’s more, you may value the simplicity of a flat-rate card such as the Citi® Double Cash Card. That will immediately provide your Discover card application status. I got a discover IT secured card as my first card because it was the only thing I could get. Their reason in the letter was they couldn't verify my SSN. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. Move on and try another card. 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). Join our community, read the PF Wiki, and get on top of your finances! When you’re ready to collect your hard-earned Discover credit card rewards, here’s a quick rundown of your Discover redemption options . 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. It is important to pay them in full and on time. 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. The Discover Card is the fourth-largest issuer of credit cards in the world. See comparison grid for more. If you’d like skip the full list, press # on the first menu provided and 4 on the second. Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score. Compare credit cards to find which offer is right for you.. Thanks for the quick responses and good tips, appreciate it guys👍🏼. Welcome. Connect with a live agent: 1-800-347-3085 Call Chat This application is secure. To get the most out of your Discover cash back credit card rewards, just use your card on every purchase. Other than Discover we see a lot of Capital One and Wells Fargo secured cards on here. Features and benefits on Discover cards differ slightly, but they are mostly consistent across all cards. I was denied by their automated system, but then approved a day later without doing anything. User ID.   Discover was an innovator when it launched in 1986, with its no annual fee and cash back rewards program. How to check your Discover card application status by phone: Call the Discover credit card application status phone number: (800) 347-3085. Press J to jump to the feed. You'll still keep all the same rewards and benefits on your credit card. Card Help Center ... Log in to Your Discover Card Account. Select from cash back credit cards or travel credit cards. 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. It was introduced by Sears in 1985. I always recommend that people check to see what their bank or credit union offers first. All our credit cards earn Discover rewards on every purchase. Your best strategy would probably be to try and start with a secured card, build some credit, and then move up to a better card. Credit Card. Thanks. New comments cannot be posted and votes cannot be cast, More posts from the CreditCards community. Discover has gotten stingier with their approvals. Before you give up, I suggest you call Discover and ask for a reconsideration. Discover's credit cards don't charge annual fees and offer new cardholders a unique bonus in which the issuer matches all rewards earned in the first year. Now they are only paying $12 per month towards interest instead of about $60 per month, before the rate decrease. Discover It Secured is one of the few secured credit cards that earn rewards. 6x on supermarkets as well. Checking Your Status by Phone. Discover will automatically match all the cash back you've earned at the end of your first year! Super easy! I've been told that Discover is conservative with their Credit Limit so I was wondering if someone has any experience with the Discover IT card, or if you cn suggest a better card for me? 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. Discover is a friendly creditor for building credit. 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. You didn't provide a great deal of extra information, such as credit score, age, or other credit history, so that's a total guess on my part. Discover is accepted nationwide by 99% of the places that take credit cards. I wanted a Hilton Amex card for a while. Press question mark to learn the rest of the keyboard shortcuts, https://www.capitalone.com/credit-cards/reviews/?prodid=securedcard. Close . I’ll apply for another card and read into it. Online access lets you log in anytime to check balances, transfer money, pay bills and more. Alternatively, find out what’s trending across all of Reddit on r/popular. Discover offers a unique set of secured credit card benefits, including cash back on every purchase, 100% U.S.-based customer service available day or night, and more. Unfortunately, you won’t be eligible to receive the 0% APR or first-year cash back match if you do this. Discover issues several types of credit cards, and applying for a Discover credit card — and knowing your Discover application status — couldn’t be simpler. All Products. Discover is the leader in cash rewards credit cards, having introduced the very first cash rewards card on the market, back in 1986. How is the Discover it ® Secured credit card different from other credit cards? The Discover Card is the fourth-largest issuer of credit cards in the world. 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. Explore our Secured credit card to help build your credit history. Ask for a secured card. Enter your 9-digit Social Security Number. After a year of on time payments they sent me a check for my initial deposit and it "graduated" to a regular credit card. This line is available 24/7, and you’ll always get to speak to an actual person. On the bright side they couldn't pull my credit either so its not bad. Discover was my very first credit card as a college freshman. There’s no application or hard credit pull required. 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. Secure Account Log In. 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).. I finished filling out the application and submitted it, as soon as I submitted it instantly it went to a screen saying “Unfortunately, we are unable to approve your application at this time. The Discover it® Cash Back is quite popular. Press J to jump to the feed. While many things might be changing in your life, your Discover Student card doesn't have to. I highly recommend you make this first step, even if it's just the minimum deposit to get it open. It has a firm limit of two credit cards per consumer. Help. I finished filling out the application and submitted it, as soon as I submitted it instantly it went to a screen saying “Unfortunately, we are unable to approve your application … I usually end up maxing out the 5% categories whenever Amazon is featured (10% with Cashback Match). Getting 1% or 2% cash back on your rewards credit card is certainly better than getting nothing. 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. You can filter gift cards by the type of business offering them and the minimum gift card … 1 So if you earn $50 cash back, we'll give you another $50. Okay, thanks for the response. Maybe I mistyped it in...but had to wait a week to find out. The Discover It and Chase Freedom cards are the reasons why I don’t have an Amazon Prime card. Get a constantly updating feed of breaking news, fun stories, pics, memes, and videos just for you. Please contact the moderators of this subreddit if you have any questions or concerns. Discover credit cards are built to give you great rewards and the service you deserve, from our flagship cashback credit card to our flexible travel credit card. Discover Bank Secure Account Log In. Article from popsugar.com. A subreddit for discussing any aspect of credit cards. 6x Hilton points on my 2 personal biggest spend categories (gas and dining). Your cash-back rewards never expire. Discover is a credit card brand issued primarily in the United States. Build a Credit History. Just stay away from credit one. So for whatever reason, they denied you, and they're going to send a letter explaining why. 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. 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. If you’re denied for that, you’ll need to get a secured card (again I’d suggest Discover, then Capital One). Discover isn't a card issuer that lets you apply for card after card. Social Security Number. I would highly suggest capital one platinum. Menu. It's easy, convenient and secure. Discover Card lowered the interest rate of one account from 29.99% to 3.99%. For gift card lovers, however, Discover has a great deal: There is an added value on each gift card you redeem for (for example, certain merchants offer a $25 gift card for $20 of cash back rewards). Reddit has thousands of vibrant communities with people that share your interests. Discover application rules. Get the best credit cards on Reddit for cashback, first time applicants, churners, bad credit, points, and rewards without searching dozens of Subreddits. If you do not use your account for 18 months, your cash-back will be applied to your account as a credit. They look identical.https://www.capitalone.com/credit-cards/reviews/?prodid=securedcard. Well, pulled the trigger last night and got accepted for the surpass (715 fico.) I am a bot, and this action was performed automatically. That was my first credit card. When you graduate, we encourage current student card members to call us to update their personal information such as income, housing, e … Passionate about something niche? If you prefer to check your status by phone, you can call Discover’s customer service phone number at (800) 347-2683. Happened to me. This card comes in both secured and unsecured. Reddit gives you the best of the internet in one place. 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. Check your balance, pay bills, review transactions and more using the Discover Account Center, 24 hours a day, seven days a week. Discover ® Card Application Check the status of your Discover ® Card Application. Best of all, Discover credit cards do not charge foreign transaction fees. A reconsideration the PF Wiki, and that is why their rate was so.! The bright side they could n't verify my SSN up, i you. 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