As some of my regular readers will know, I have recently got my first “real” credit card from my bank, I already had two store cards, but the big step was moving to a full credit card. The card that came from my bank has a $2,500 limit, which is what I requested. And after receiving several letters from Discover saying I was pre-approved, I finally caved in and applied for the card and much to my surprise after about 45 seconds, it came back saying I had been approved, but at that point I did not know how much for.
About two days later I received an Email from Discover saying that my credit limit was $6,400. I was astonished, I was expecting maybe $2 – $2,500, not as much as $6,400. Suffice to say that I am happy about it, 2 years ago, I could not establish credit for anything, no-one would even look twice at me. At that point, I was then considering delving into other methods of payment, because blockchain technology had just experienced its genesis and set foot in the market. I then got a credit card with Kay Jewelers for $650, which I bought my wife a replacement wedding ring!
Then in April 2014, the wife and I got approved for a $20,000 car loan and shortly after that got approved for a $2,300 store card with Cherry Orchard furniture. Our credit scores have been slowly but surely rising and then all the loan companies who denied us started sending us refinancing offers, which all got filed under T for trash! Although we did switch our car loan to our bank because of the lower interest rate.
Now, I’ll get to the thing that inspired me to write this blog. Other credit card companies would do well to follow Discover’s example. The cards arrived in a small brown box, inside there was a nicely textured PVC wallet with the cards nicely presented inside with a welcome letter and information. The cards themselves are the best looking credit cards I have seen. It just has Discover It branding on the front with all the card information on the back. It’s a very polished product overall, the first impression is second to none.
Customer service seems to be great as well, I called to activate the cards and to my amazement, a human actually answered the call within 30 seconds. He asked for my first and last name while inquiring about how I was doing, then he asked me if I’d like to activate both cards and that was it, nothing else needed. The representative was well spoken and courteous throughout, great job Discover, don’t go changing!