- 4,758
- 1,409
- Joined
- Nov 6, 2012
Yes, she can use the card at any time though.
24 Looking to build Credit... What are some good tips on your first Credit Card
- Thread in 'General' Thread starter Started by trynafeelmink,
- Start date
- 29,077
- 27,411
- Joined
- Jan 3, 2013
im not worried about that. was planning to purchase a new iphone and wanted to take advantage of 10% apple pay plus double cashback, just needed to make sure. thought i seen something about the phone owner needing to be a authorized card user.
- 8,837
- 4,738
- Joined
- Jul 18, 2012
I've heard good things about SoFi but have heard the process is a pain ...
my current rate is 4.2% (adjustable) on $6900 left...heard SoFi rates can be locked in at around 3.5% and as low as 1.9% adjustable...
- 4,758
- 1,409
- Joined
- Nov 6, 2012
Nah, just touch id to authenticate.
antidope
Supporter
- 62,379
- 65,198
- Joined
- Jan 2, 2012
If iIwas to get 3.5 fixed I would cry tears of joy I
- 5,905
- 3,551
- Joined
- Feb 23, 2006
DiscoverIT doesn't distribute the double cashback until after a year correct?
- 2,631
- 218
- Joined
- Mar 31, 2006
Right. I didn't get the 10% for using apple pay on this months statement though. I wonder how long that takes.
- 29,077
- 27,411
- Joined
- Jan 3, 2013
according to the thread on reddit it said after 2 statements.
- 5,905
- 3,551
- Joined
- Feb 23, 2006
I just looked and they said its after 12 months:
Just talked to Discover and it seems like you will get 10% cash back that month for paying with apple pay. Then after the first 12 months, they double all the cash back that you earned that year. So if the only thing you bought on that card was the iPhone, after 12 months, you would effectively get 20% cash back.
But you are right, you only get the doubled cash back after 12 months.
- 29,077
- 27,411
- Joined
- Jan 3, 2013
my comment was about
dam itz lou
asking about the 10% cashback.
according to the mega apple pay thread in the churning subreddit people are not getting it the same month.
dam itz lou
asking about the 10% cashback. according to the mega apple pay thread in the churning subreddit people are not getting it the same month.
- 6,698
- 2,342
- Joined
- Mar 4, 2009
Statement #2 just posted with Discover the other day...
Already at $46.75 in cash back
Already at $46.75 in cash back
- 16,543
- 7,757
- Joined
- Nov 17, 2013
^ Details on this Discover card? How much did you guys get approved for?
- 11,320
- 13,044
- Joined
- Mar 5, 2005
initial CL was $1500 with a 720 experian fico score. if you're interested in signing up lemme know and I can shoot you a referral so we both get a $50 statement credit
- 16,543
- 7,757
- Joined
- Nov 17, 2013
Definitely interested.
@BeezyGotSole
@crcballer55
This Discover card a good look? I have 750 score + 3 cards currently with CapOne + no debt:
- $10k VentureOne
- $3k Quicksilver
- $2k Platinum Mastercard (that they won't let me upgrade / remove this annual fee / I stash at home)
Last edited:
- 11,320
- 13,044
- Joined
- Mar 5, 2005
from personal experience and reading a lot about it on myfico forums it has been a pleasant experience and have seen almost all positive reviews about it. You get double cash back on all purchases for the first 12 months also. There are 5% quarterly categories (ie amazon.com and all department stores this quarter as well as discover deals portal which has a lot of random cashback deals on websites. If you have an iphone and use apple pay they are offering 10% cash back until dec 31 on all purchases and you get double that so 20% cashback til the end of the year with apple pay. You also get your transunion FICO score for free monthly with the IT card which is a nice addition.
- 4,758
- 1,409
- Joined
- Nov 6, 2012
slighted
It's a great card to have I highly recommend it, if they are still offering double cash back for new members that is a great incentive.I honestly can't say that there is anything that I don't like about the card.
-Free FICO TU scoring
-Price match guarantee
-Good 5% rotating categories
-Online 5%-20% Cashback at over 100 sites
(Best buy, nike, lowes, dell, sams, etc)
-Stackable cash back bonuses
-0% Balance Transfers (pretty much unlimited)
-Good customer service
- 8,862
- 2,649
- Joined
- Aug 21, 2005
Have a FICO of 720 and a starting limit of $7k. Thank you Discover.
- 16,543
- 7,757
- Joined
- Nov 17, 2013
- 4,410
- 1,807
- Joined
- Jul 19, 2012
Just got a CLI on my Discover IT card and accepted for the BoA BBR card ($30 every 3 months, $120 a year).
I just put my gym membership on the BoA BBR card and it basically pays for one month every three months.
I just put my gym membership on the BoA BBR card and it basically pays for one month every three months.
- 8,862
- 2,649
- Joined
- Aug 21, 2005
This sounds great, but I'm hesitant to hold down 4 cards.
Ive got 4 and its easy. Just be responsible and rotate purchases on cards. Thats all I do .
- 29,077
- 27,411
- Joined
- Jan 3, 2013
my favorite thing about the discover it card is that all your info, cc# etc is on the back of the card. hate when merchants leave your card on counters out in the open.
- 916
- 278
- Joined
- Oct 14, 2012
Wow..never knew this thread existed
Quick question..just applied for a AMEX card with my bank (USAA) and was approved for 16k.
My oldest credit line is through my standard capital one card which only has a 1k limit which is paid off. Would now be a good time to ask for a credit increase on my oldest card (I've never done this before)?.
OR should I leave it paid off and just get another CC in the future w/ more perks?
Quick question..just applied for a AMEX card with my bank (USAA) and was approved for 16k.
My oldest credit line is through my standard capital one card which only has a 1k limit which is paid off. Would now be a good time to ask for a credit increase on my oldest card (I've never done this before)?.
OR should I leave it paid off and just get another CC in the future w/ more perks?
- 17,129
- 8,042
- Joined
- Feb 8, 2014
Wow..never knew this thread existed
Quick question..just applied for a AMEX card with my bank (USAA) and was approved for 16k.
My oldest credit line is through my standard capital one card which only has a 1k limit which is paid off. Would now be a good time to ask for a credit increase on my oldest card (I've never done this before)?.
OR should I leave it paid off and just get another CC in the future w/ more perks?
Since AMEX just pulled your credit ..one more credit pull shouldn't be too bad..def go for it..the more avail credit is better for you in the long run
- 12,981
- 5,243
- Joined
- Jul 18, 2012
Getting a new car every other year is really starting to negatively inpact my credit more than i think... i think haha might not swap out my impala this winter and see what happens
- 17,129
- 8,042
- Joined
- Feb 8, 2014
are u financing or leasing ..I don't think that will negatively impact ur credit score because you are refreshing a high balance on a secured credit line
