Discover It – Regular Discover Credit Card
You need a card that allows you to buy where you want and what you want. The Discover It card (aka Discover it® Cash Back Credit Card) is packed with features that can save you a significant amount of money. From a low APR to various ways to control payments, it’s all yours.
What Cash Back Is All About
It’s easy to like cashback. Instead of getting points and miles that are hard to redeem, you get cash. A cashback account is established for you. Your balances are disclosed in your monthly statements and online. With every purchase, you earn 1% cashback. Quarterly, there are different categories where you can earn 5%. When you spend in these categories, you can add to your cashback account faster. There are also various online retailers that can make it easier to earn cashback.
Consider what you want to use the cashback for. You can use the cashback as a statement credit to pay for purchases that you have already made. You can also buy what you want with a Discover gift card or a check mailed to you. If you want to purchase on amazon.com, you can also use your cash rewards right there.
The more cashback you get, the more you save. There is a cashback concierge that can help you make the most of your cash rewards throughout the year. You can phone a representative and get the assistance you need to find out how you can change your spending to maximize your rewards. Your account will be reviewed and tips will be shared.
With the cash rewards, there is no maximum to what can be earned in the year. The more you spend, the more cash you get. There is no expiration on the cash, plus you get to choose when you wish to redeem it. You can redeem it each time your account reaches $25 or you can let it accumulate to get a cash reward of hundreds of dollars.
How To Save Money
There are many ways to save money with this Discover card. One of the more obvious ways is with the long intro rate of 0%. This gives you many months with absolutely no interest rate to worry about. This means no interest charges during the entire introductory period, allowing you to buy what you want and making the minimum payment without accumulating a lot of debt.
When the introductory period ends, you will be given a low variable rate for your purchases. The percentage you are given is based upon your credit score. If you want to avoid an interest charge, you always have the option of paying off your balance in full each month when your statement arrives.
Another way to save money is with balance transfers. You can transfer the balances of your other credit cards over to your Discover card. You are given a low balance transfer rate – as well as an even lower one in the intro period of signing up for the card. This allows you to pay off your debts faster because your interest charges each month will be considerably lower.
You can use your card in many places around the globe. There’s no over limit fee and there are no foreign transaction fees. Additionally, there is no annual fee, which will make spending on the card even more affordable. (See No annual fee Cards)
Benefits Of This Discover Card
Earning cash back and saving money are major benefits of the card. There are many other benefits that you can take advantage of throughout the year as well. These are free for you to use and are simply there for your use at any time that you want to use them.
Such benefits are:
- Account management tools
- U.S. based customer support
- Payment flexibility
- Help after a job loss
- Application is online
You can manage your account easily with various tools. This includes a mobile app as well as online account access. With these, you can get up to the minute information on your account, such as your available credit line and your balance. You can also schedule a payment. Online, you also have the ability to download statements and do much more.
There is U.S. based customer support for your convenience. At any given time in the day or night, you can call and talk to a live representative. This is the perfect opportunity to have any questions or concerns answered without waiting. You can find out about a charge or even ask for an increase to your credit line.
You have a lot of payment flexibility. When your payment is due, you have until midnight on the due date to pay it. You can make a payment on the account by mailing in a check, paying by phone or by paying online. If the due date is inconvenient for you, it’s possible to change it to a different date in the month going forward. This change can be made online or over the phone with customer support.
If you experience a job loss, making payments can become difficult. Discover card will offer you assistance through lowering your rate, lowering your payment or offering some form of other assistance.
The application is online, allowing you to fill it out when you have time, wherever you might be. You can receive a credit decision within a minute or so and learn of your credit line. A credit card will then be expedited to you. This allows you to start spending right away – and saving money at the same time.
The time is here for you to take advantage of this credit card. In no time at all, you can have the card. This allows you to start buying what you need – and earning cash back with every purchase that you make with the Discover It card.
Discover It for Student – Students Credit Card
The Discover it for Students is a card that is known for treating its student cardholders much better than they may be used to being treated. This is done through cashback bonuses, terms that are easy-to-understand, and a card that takes the worry out of having a credit card.
The Discover it for Students is a credit card that features terms that are less on the complicated side. This allows students to have a card that garners less worry, which is important for the student who is busy studying for exams, working, and trying to have a life.
This credit card possesses a range of features, but it does not become so wrapped up in offerings that it becomes confusing. In fact, it is a very cut and dry credit card with simple terms that are very easy to follow.
APR of Discover Student Card
The Discover It For Students has an introductory APR that lasts for a specific period. This period is always subject to change, as is the APR itself. Nonetheless, it is an opportunity to become acquainted with the card without having to pay fees unless you are carrying out transactions other than just purchases.
The card also offers an introductory APR for balance transfers, but the balance transfer fee is not affected in that it stays the same. The balance transfer fee is a percentage of the transaction.
After the introductory periods are over, the APR will increase to a regular rate, which is based on the Prime Rate and creditworthiness. Cash advances do not have an introductory APR. It has a set APR that is based on the Prime Rate and will vary with the market.
If you wish to avoid paying interest, the way to do so is to pay the card balance off within 25 days of the statement close date. In February, it is 23 days before the statement close date.
Student It Card Fees
The fees are rather simple, as there are not many. If you are late on your payment for the first time, there will be no late payment fee. The assessment of the late payment fee will begin with the second payment. There is also no penalty APR if the payment is made late. This prevents the card from costing more just because the hustle and bustle of college life may have led to a payment being made late.
As stated before, there is a balance transfer fee that is a percentage of the transaction in addition to the APR at the time the transaction is made. The same applies to cash advances, as there is an APR and a fee that is either a set dollar amount or a percentage of the cash advance, whichever is greater.
The next fee is the returned payment fee. If payment is made and that payment is returned, then a fee will be assessed to the account and this could result in a late fee as well if the payment is late due to the returned payment. If the late payment is the first, the late fee will not be assessed.
Cash Back Rewards
The cashback rewards are a way to save money. If you do pay your balance off within the 25 days following the statement close date, then the rewards essentially come free. You will receive one percent cash back on all purchases, but you will receive a higher cash back percentage for certain types of purchases each quarter.
Every quarter, Discover will choose a transaction type. For instance, you can expect to receive even more cash back for holiday purchases at the end of the year. You can then use rewards instantly at Amazon.com checkout. This works well for college students since Amazon may carry books that are needed for class. Since financial aid payments never seem to come on time, this is a great way to buy the books without breaking the bank.
To make sure all cardholders maximize the benefits of the card, the Cashback Concierge gives a one-on-one online tour that helps you understand your rewards and how to get the most out of them. You can call the concierge at any time to go through this tour and it is personalized based on how you use the card.
You will also find when calling the concierge that the customer service that is available 24/7 is also 100 percent U.S. based. This is very important so that there are no language barriers, ensuring that the customer and the customer service representative understand one another.
If you find that you don’t want to spend time on the telephone learning basic information about the card, you can manage your account through online account management. You can check your account balance, make a payment, check your available credit, track your rewards, and much more. This is so you can check your account in your own time at your own pace. When you have a lot of studying to do, it is important that you perform account management activities on your time. That is why Discover card allows payments to be made online or by phone up to midnight on the due date that you choose.
By being able to choose your own due date, you can make sure the payment is made. Perhaps you are paid a certain day a month or there is simply a time of the month that’s better for you. Whatever the reason, you are given flexibility and freedom with the card. When you are so tied down in other areas of your life, freedom with a credit card is something that becomes a rather significant thing.
The Discover it for Students is a great starter card for students, as it does much more than just extend credit to students trying to make a place in this world. Instead, it makes the students feel like the valued cardholders that they are without making them pay an annual fee or other fees to have it.
Cerulean – Discover Credit Card for Poor credit
When you want a card despite poor credit or no credit, the Cerulean Discover Credit Card is a card to apply for. With the online application process, you can find out if you’ve been approved quickly. Then you can begin enjoying card features right away.
How to Apply for Cerulean Discover Card?
The application for the Cerulean Discover card is available online. This gives you the opportunity to apply at your convenience, day or night. With a few basic details, you can begin the process. The only requirement to apply for the card is being 21 years of age or older. Regardless of no credit or poor credit, it’s possible to be approved for the card.
When the card is submitted, most people will be approved within minutes. There are some instances where a driver’s license or other documentation will be requested as well. A card is then mailed out to you. Once it has been activated, your credit line is available and benefits begin immediately.
Various Account Management Tools
Managing money is important with a credit card. There are a few different account tools provided to help you do this with Cerulean Discover. The more you use, the easier it will be to avoid going into debt. You can use:
- Toll free number
- Online features
The toll free number allows you to call and get account information. You will be able to connect to an automated system to learn about your account balance, available credit line and other details. This will be available 24/7. You also have the opportunity to talk to customer service if you need to. Dispute charges, ask questions about the features of the card or anything else. A live representative will help you however necessary.
Online features provide you with a secure log on. This also gives you 24/7 account access. You can find out what your balance is, your available credit line and download statements. You can also view past charges, pay your bill online and look at payment information. Should you need to contact customer service, you can do so from an online portal by sending them a message. The online portal can be accessed anytime you have an internet connection.
Features of this Discover Card
The Discover card offers a wide array of features. These are at no extra charge to you. When you activate the card, they are instantly available to you. You can save money and enjoy many perks with these features. These include:
- Fraud protection
- Low monthly payments
- Low APR
Fraud protection is one of the most important things in today’s world. You need to ensure you are protected at all times. The card constantly monitors your activity online and off. If there is anything suspicious, your account is frozen until you confirm that you authorized the transactions. This is for your protection to ensure that no one has accessed your account illegally.
If any charges show up on your card, you are not held responsible for them. You can contact customer service and they will be removed. This ensures that you are not liable for fraudulent charges that were placed on your card. You can also request a new card and account number should that happen.
You have the ability to make purchases on your account and pay for them over time. Low monthly payments will ensure that you don’t have problems making payments. The more you spend, the higher your monthly payment will be. Controls can be set on your account to ensure you don’t exceed a certain limit on your card.
Finally, there is a low APR on the account. This is in comparison to other credit cards on the market. You will be able to enjoy a low APR that allows you to pay less in interest. Lower interest rates prevent you from going into too much debt. If you choose to carry a balance, there will be less to pay extra on from month to month. You can also choose to pay your balance off each month to avoid the APR entirely.
The application can be started right away. There’s no application fee to find out if you’ve been approved. The moment you receive your Cerulean Discover Credit Card, the many great features kick in immediately. This gives you the opportunity to buy now and pay later.