Credit Score: 704 Credit Limit: 7000 Age: 25-34

Posted 04/03 2018

I have both the It and the Chrome card. IT was the first card I got. Then I decided that I also wanted the Chrome for the 2% on restaurants. I wasn't sure if I would be approved since I already had the IT card but I was instantly approved. I got the IT card when my scores were much lower so the credit limit was actually higher for the Chrome than my IT.

I really like Discover. The customer service is really top notch (compared to BOA - have their cards as well). Calls get answered quickly and reps seem much more knowledgeable. I have never been passed around from rep to rep. Their app is also great and the notification is very fast.

The one thing I really benefited is that I got double cash back for both cards!

 

Credit Score: 620 Credit Limit: 500 Age: 18-24

Posted 08/16 2017

I got this card when I was a student and got a small $500 SL like most students I guess. The card has been great for me and like many others have said here, the app is great. You get notified of your transactions very fast you can pay your bills through the app though I used auto-pay. I kept the card when I graduated and my credit limit has increased to $4000 (after a few rounds of increase).

 

Credit Score: 743 Credit Limit: 12000 Age: 25-34

Posted 07/29 2017

I was about to embark on a kitchen reno and was looking for a card with 0% deal so I could put a couple of appliance on them and get 0% interest. I already had Chase and Citi so I decided to get Discover. I chose the Chrome over the IT because I figured I was not going to use the 5% on the first year anyway. I applied for the card and was instantly approved. Got the 0% for 14 months on both purchases and balance transfer. SL was $12,000.

I bought a new dishwasher, stove and fridge and charged it to the card and did not use the card for the next 14 months. Instead, I divided my purchases by 14 and paid it off within the 14 months. I had absolutely no problems with the 0% promo at all.

 

Credit Score: 764 Credit Limit: 5000 Age: 35-44

Posted 04/02 2017

Prior this getting this card, I had the Miles and IT card. The miles I got years ago and the Discover It was a recent one (maybe slightly over a year). I decided to cancel the Miles card because I found out that I was using the It most of the time. Then I was looking around the Discover website one day after logging into my account. I thought maybe I should get the Chrome since they give you 2% cash back on gas and restaurants (which the IT did not give). I wasn't sure if they would approve me since I had already canceled their miles card before. But I decided to apply anyway and was surprised that I was approved. My limit was not that high but that is because I already have a decent limit for the It card. The good thing about getting the second Discover card is that I did not have to download the app again. And BTW - the app is simply awesome.

 

Credit Score: 674 Credit Limit: 4000 Age: 25-34

Posted 02/11 2017

For some reason, I never seemed to be able to get good limits with other banks. BOA and Citi have approved me for cards with $700 and $1000 limits. I decided to give Discover a shot and chose the Chrome rather than the IT because I did not fancy the 5% categories. I was so pleased that Discover gave me a starting limit of $4000. Now after over a year, my limit has increased to $9000. Meanwhile, I am still stuck with those crappy limits from my other cards.

The Discover app is miles ahead of my other cards. The transactions report immediately (like after I sign the check in the restaurant). I can pay bills and check my Fico score with it. Super cool.

The customer service is also as advertised. Real live person picks up. There is none of the "our menu has changed. Please listen carefully and select the correct number" nonsense.

 

Credit Score: 705 Credit Limit: 5000 Age: 18-24

Income On Application: $60000

Posted 09/30 2016

This was my very first card after I graduated from college and got my first job. In college, I had the Citi TY and used it just a bit. But that was enough to get my scores up to the 700 level. I got a credit limit of $5000.

The rewards for this card work out well for me since I eat out quite a bit. I also like earning 2% at gas stations. The app is very good. You can use the cash back you have earned to pay your statements. You can also check your FICO score through the app. After a year, you also get the "double your cash back". (wished they had it every year!).

 

Credit Score: 769 Credit Limit: 10000 Age: 25-34

Posted 07/31 2016

I was deciding between the It and the Chrome and decided that trying to remember the 5% categories every three months was just going to be too much. I decided to go for the Chrome as it is very easy to remember that you earn 2% cash back on gas and restaurants. I applied and was instantly approved and my SL was $10,000. Card came about a week later. I set up the app and I just use it for every thing. You can set it up to notify you on every transaction and use it also to pay your bills. I had my bills set up on autopay instead.

I lost my card once and I got my card 2 days later. Customer service is so different from other typical ones like Comcast or Verizon and even other banks. You get a live rep fast and they are definitely all US based.

 

Credit Score: 695 Credit Limit: 7000 Age: 25-34

Income On Application: $95000

Posted 04/17 2016

I already had the Discover it. So I decided to get this for the gas and restaurants (which the it only sometimes have as a 5% rotating category). After I pressed the submit button, I was taken to another page where it said "we are almost done, we just need to verify a few things". I had to upload my DL and SSN card. I was then asked to call a number and after a couple more questions, I was approved. SL was $7000.

I also got the 0% for 14 months and an apr of 17.99%. I now use both the it and chrome and they have both been my go to card. For the gas rewards, there will always be a quarter in the year where the IT gives you 5% cash back on gas. For that period, I will use the IT for gas and then once that is over, I will switch back to the Chrome.

 

Credit Score: 620 Credit Limit: 500 Age: 18-24

Posted 11/30 2015

I applied for this card when I got into college when I was 18 years old and was approved for $500 limit. At first, I used it only at restaurants or dining places, then I started using it for everything else. Since I work in college, my have more "spending money" and I was able to rack up a couple of hundred dollars in cash back the first year. Discover also matched it!

The app is super cool and easy to use. You can get alerts on every transaction and it is easy to use. You also get your FICO score in your statements once a month (or you could check the app too though it is probably only updated once a month).

Customer service is absolutely top notch and a live customer rep always picks up (no dialing 1 or 2 or 3).