Everything Discover! Master list, Secrets & Datapoints 2023!
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- Опубліковано 13 сер 2023
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In this video I cover 16+ things to know about Discover credit card before you apply for both consumer and business.
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First card was $$200 secured that became unsecured to $1500. They would never give me an increase for 2 years. I applied for second IT card and got 7k
💥💥💥💥💥🧨🧨🚀🚀🚀🧨🧨🧨🚀🧨🚀🚀🚀 crazy I just got an increase lastnight then this video dropped today 🎉
I just got the Discover It Secured Card last week, I was dreading an email asking me to fill out the 4506-C form but luckily I didn't get it. I hope I never do. I was homeless for 20 years and haven't paid taxes in the same amount of time. I'm trying to rebuild my life and credit. When I applied I had no credit on my reports.
Glad to hear it and happy to hear you on the road back to rebuilding everything! Rooting for you!
@WalletMonkeys Thank you sir. New subscriber too. I graduated college in the late 90's when companies like MBNA were giving credit cards to everyone. Got one sent in the mail to me(I don't think I even applied smh) a Mastercard with a $7500 credit limit. I ended up taking cash advances and maxed it out in a month gambling. Then called and they gave me a CL increase of another $2500. It was too easy back then to get all this. Took the cash off the card for that too and before you know it I owed $10,000 to the card company. Got fired from my job, couldn't pay anything and didn't pay. Then wrote bad checks using my checking account and my bank closed the account and reported me to chexsystems. Couldn't get a bank account anymore. Got evicted from my apartment and was homeless for 20 years.
Getting back into credit now it's all so different. Nothing like it was in the late 90's early 2000's. Plus I essentially gave up on credit because my credit score and history was a complete mess for years. Collection agencies trying to track me down left and right. It was awful. Had to get a Netspend account because a traditional bank wouldn't let me open an account. Now luckily everything is wiped off my credit reports because it's been over 20 years. So I am starting over and doing it the right way. Slowly...
I like how you edited this particular video. Including how you sped up the audio of your normal closing statement. Presentation of content and the format was spot on.
Glad you like and found value my friend!
Great, thorough video about Discover! A lot of the things you mentioned have applied in my experience with them (including positive tips) and learned some things to note for future reference! 🎉
Awesome! Thanks for watching
First video of yours I’ve watched LOVE IT
Awesome! Welcome, there is another 300+ videos for you to binge on 🤣
I have 2 Discover CC, I like that Discover has so many different types of colors and images that you can choose from and you change your images....😂
True, they got solid line up of options for card faces! Are your IT cards daily drivers or sock drawer cards?
Most credit cards do what you’re saying .
Most do all 3 credit bureau’s
I ❤ my Discover it cash back 😊
Ya its a solid card, I find myself coming back to it several times per year and using it! Easy to use and great UI!
Very Good video, un buen video me gusto mucho Desde Puerto Rico 🇵🇷 👍
Awesome, thanks for watching!
Yes Discover has great stuff. Video was on point and didn't know that you can do that 0% interest. Nice video😊
Glad you had some takeaways! Thanks for watching!
So why a 4506c? Lowest bucket approval 😢
Please cover the AMEX Aspire, I just got my 3rd AMEX, which is the Hilton Aspire. Thanks
Hey congrats! Will add that to the list
Discover must be tightening up. I got a 7-10 day notice when I applied today. Fico EX. 775 / 2 Inq. past 12 months / DTI. 3% Income $115,000. I will stick with Amex.
Maybe ya, at first glance I dont' see why. Be sure to use recon number and call them, maybe something was frozen and you forget
@@WalletMonkeys Thank you for the response. Would you happen to know where I can find the recon number?
@@user-ky1rg7tu3n I have this number for Discover recon 1-800-347-2683
@WalletMonkeys Thank you my friend and btw. I love your work, bravo sir.
Thanks, appreciate that!
Could you do a business video like this explaining building business credit ( from net 30 vendors, tier 1-3, & using PG)?
ya this will be a monster video but I was thinking a big deep dive into this would be good
1- my 2nd discover card was 400$ lower, 2- I was explained from a rep that soft pulls for credit limit increases are not pulled at the time of applying but from transunion fico score they pull every month.
Why are they pulling from transunion every month. Can you explain makes no sense !!!!
@@kingmae3808 they just partnered with Trans Union to be able to show their FICO 8 score on their site.
Interesting, they give FICO TU score for free in your account and its always delayed by 30 days so they must just be using that
They pull once a month and in my case they pull a few days before my statement closing date so if I do anything and need a credit limit increase from them, I have to wait a whole extra month because anything I pay off I won’t show until the following statements cycle
Correct, Amex is worse, its like 60-90 days behind
First 😂😂🎉🎉🎉
Fair, fair, you got it today!
They do a hard pull for each card you get or do they hard pull all 3 credit bureau’s?
No, HP per card, mix of what bureau they pull from based on geo- usually just 1 bureau
@@WalletMonkeys thank you 🙏
The next Amex please
We already did an Everything Amex video, ua-cam.com/video/hm6OJsp6jdY/v-deo.html
For Discover to request a 4506-t is too intrusive when other credit card companies require it. Credit Cards are what they are: a product, nothing more or less.
I agree, they aren't the only one to do it though, Amex has been known to do it as well. If there is big enough anomaly in credit action, I think most major banks would. This is probably one of my least favorite bank behaviors next to AA.