{"id":14005,"date":"2010-05-08T09:12:11","date_gmt":"2010-05-08T13:12:11","guid":{"rendered":"\/\/www.askmrcreditcard.com\/news\/?p=14005"},"modified":"2010-05-08T09:12:11","modified_gmt":"2010-05-08T13:12:11","slug":"three-tips-to-use-your-discover-card-more-efficiently","status":"publish","type":"post","link":"https:\/\/www.askmrcreditcard.com\/news\/three-tips-to-use-your-discover-card-more-efficiently\/","title":{"rendered":"Three Tips To Use Your Discover Card More Efficiently"},"content":{"rendered":"

Today, we\u2019re presenting a guest post from Manshu from One Mint<\/a>, a personal finance blog that covers a wide range of topics like gold ETFs<\/a>, India ETFs<\/a>, bank interest rates<\/a>, and other stuff that affects your money. If you liked this post, please consider subscribing to his feed<\/a>.<\/em><\/p>\n

I wrote about my 60 seconds Discover Card approval experience<\/a> a few months ago, and since then I have used this credit card quite a bit. Along the way, I have discovered a few things about Discover, which I am going to share with you today in the hopes that you will find them useful and make your use of this credit card more efficient.<\/p>\n

1. There is an app for that:<\/strong> If you have an iPhone – Discover has a very slick app that you can use. It is very functional because seeing balances, recent transactions, and making payments are all very easy on it. I have started using it recently, especially for checking out recent transactions and making payments, as these are things I do most often, and can be done easily on the app.<\/p>\n

2. Keep an eye out for the 5% cash-back:<\/strong> Generally, Discover gives you 1% cash-back on your purchases, and it declares a category on which it gives out 5% cash back every quarter. For this quarter it is Home and Fashion. In January, it was Travel, and I see that in June, you get 5% on restaurants.<\/p>\n

There are a couple of things to keep in mind about this:<\/p>\n

a) First is that you have to sign up for these. Signing up is simply clicking a button which says – Sign Up – when you log into your account. I have never missed signing up for this, but I am guessing that some people do miss clicking this button, and that is probably why Discover needs you to sign up for this in the first place.<\/p>\n

b) Second thing that struck me about this was being a little smart in managing my credit cards as far as the 5% category is concerned. I use multiple credit cards, and I had to book a few air tickets last quarter, which I did using another card.<\/p>\n

I missed out on easy pickings just because it slipped my mind. If you use multiple credit cards, which you probably do, then it is a good idea to take a moment to think about the 5% category in the present quarter, and let it register in your mind. This will increase your odds of making the most out of the 5% cash-back.<\/p>\n

3. Spend Analyzer Tool: <\/strong>There is a spend analyzer tool in the Discover website that shows you a pie chart of your total expenses broken out into categories. This is a pretty slick thing because it takes your expenses, categorizes them, and then presents a snapshot of where your money is going. I didn’t pay much attention to this initially, but then I tried it out once, and was surprised to see how much money I was spending on restaurants. If someone had asked me what percentage I thought I was spending on eating out, I would have been way off the real numbers. More than anything else, this is probably an indicator of how clue-less I am, but still, this will be a good report for everyone, and looking at it every once in a while may reveal things about your spending pattern that you didn’t know about.<\/p>\n

Knowing about these three things made me use my card more efficiently and I hope you find these little bits of information useful too.<\/p>\n

Related Posts:<\/strong><\/p>\n

60 seconds Discover Card approval experience<\/a> – This is Manshu’s post about his application process.<\/p>\n","protected":false},"excerpt":{"rendered":"

Today, we\u2019re presenting a guest post from Manshu from One Mint, a personal finance blog that covers a wide range of topics like gold ETFs, India ETFs, bank interest rates, and other stuff that affects your money. If you liked this post, please consider subscribing to his feed. 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