We'd like an account with Discover for my wife. In the last few months, she's received solicitations for the: Titanium Card Platinum Card Clear Card I don't see one spot on discovercard.com where the differences between these cards are delineated. On the site, they also are offering an 8 months 0% on BTs and purchases, which is pretty nice. Some sites are offering referral bonuses for signing up. netflip.com, for instance, gives $16 for getting approval on a Platinum card. They say that there is a 0% teaser rate, but don't say whether it's 8 months. Finally, I wonder if doing a BT when applying allows for a much higher initial limit (like some other cards do?) Any shrewd discover card shoppers out there? Would most appreciate feedback.
I couldn't find any difference between "Clear" and "Platinum" except the physical card. Don't quote me on that though. I changed my normal plat. Discover to the clear one purely for the aesthetic value, plus I got an extra 6mos of 0% when I did it. I have to ask--what _are_ the differences between titanium and platinum discover? Are the benefits any better? Does Titanium carry any extra fees? (Does it look cooler than the blue "clear" card?) Is there a web link to Discover titanium card offerings? They never offered me one (surprise, surprise!), but I wonder if I could talk them out of one. The only "Titanium" card I've ever had was from X.Com, and...well, that's another story.
Interesting George...I wonder if there's an offsetting advantage? jrjr35, they pull all 3 apparantly, but I've got another thread asking about what they're likely to pull here (in WA...)
Lower interest...but you get NO "REAL" advantage, BECAUSE you should NEVER carry a balance on a CASH BACK CARD anyway... The "LOWER INTEREST RATE" is no big deal...it is NOT like 5.99% or even 9.99% as far as I know...
Did you get it? What were your scores if so and were there any derogs at the time. They pull ex here and I want to apply
They pulled experian for me, then they waited two weeks and pulled TU. Then they waited another two weeks and denied me! Said I had too many balances on other cards. It's a "catch 22" situation. They entice you with low bt rates and then deny you because you have balances!
They pulled Eq only for me 7/02 and I was approved. $3k with 0% bt, purchases and cash advances until 4/03 with no fees.
betacredit- what score did you have and were there any negatives, high revolving %, or inquiries? thanks
Thanks!! I'm in FL. My score was inflated due to the disputes - 754. No negatives. 2 -30 lates from 2+ years ago. I had applied in Feb. and was denied and called and asked the csr why. Basically they said you have to have perfect credit. But I knew my score and negs were a big factor, I think it was 630something back then and I had a couple of negs of there. Cap.1 was killing my score since it was at 100% usage. I put it in dispute and gained 75 pts. I had some old 10+ years accounts on there and had 2 inquiries. Plus, I owe more than 100% of my student loans but I don't think that is hurting.
Re: Best current Discover card opti I disputed on 11/26-28 period, the scores didn't change one bit right away; about a week later I got some balances registered as zero (going from 48% to 63% credit available only got me 5 points though - 663 to 668. An old car loan that ended 4 yrs ago (1 60-day, 8 30-days) raised it from 668 to 682 when it got deleted though) Now I'm just waiting for the paperwork to go through on an invalid $4000 collection, maybe I'll get up to 700??) -jpr
