discover bank credit card application

Discover HSBC credit cards! For further information about HSBC Premier, Advance and Advantage Credit Cards, please click. Terms apply to offers listed on this page. Review: Is the Discover it Cash Back the best credit card for you? Accordingly, ICICI Bank Limited shall be unable to accept further applications for any ICICI Bank Credit Cards on MasterCard network.

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Источник: https://www.chase.com/
004-credit-cards-debt-cash-money-stimulus

Plenty of factors go into choosing a credit card -- finding a low interest rate, calculating your cash-back potential and browsing through rewards. A card's particular processing network isn't likely to be a key part of most people's criteria. But whether your card is backed by Visa, Mastercard, American Express or Discover has implications for where and how you can use it.

The four major credit card processors oversee every part of the purchase process -- including approving or declining a transaction, protecting shoppers and merchants from fraud and making sure that money flows to and from the appropriate accounts. Here's everything you need to know about credit card processors and the differences among them.

Read more: The best cash-back credit cards

Major credit card processors, compared


Visa Mastercard American Express Discover
Processor Yes Yes Yes Yes
Issuer No No Yes Yes
Global merchants 52.9 million 52.9 million 25.3 million 44 million
Countries supported 200 210 130 185
Popular partners and co-brands Chase, Bank of America, Wells Fargo, US Bank Citi, Capital One, United, SunTrust Delta, Hilton, Marriott NHL

Processing vs. issuing

Credit card processors act as the liaison between your bank and a merchant's bank. When a payment is initiated, a processor analyzes the request -- making sure that the request is real and you are the one making it. If everything looks legit, it approves the transaction, takes the money out of your bank (or applies the charge to your credit card) and pays the merchant. Visa, Mastercard and Square are all credit card processors.

Issuers provide credit cards to consumers. They do all of the vetting -- reviewing applications to see if you're qualified and reporting payments (and missed payments) to credit bureaus. They also handle customer service: If you ever have a concern about a transaction or want to dispute a payment, call your card issuer using the number on the back of the card. Chase, Bank of America and Wells Fargo are examples of credit card issuers.

American Express and Discover are the only major processors that also issue cards. If you have a Visa or Mastercard card, it's always going to be linked to an issuing bank such as Capital One or Barclays. American Express and Discover may offer cards through separate issuers, too, but they have the capacity to issue their own cards. For instance, American Express serves as both issuer and processor for its Blue Cash Preferred® Card from American Express* card.

Read more: 7 things to know about interest-free credit cards

Acceptance

Credit card processors make money by collecting a percentage of every transaction that comes through their network. Part of the reason that American Express cards aren't accepted as widely as others is that it charges merchants a higher fee on average than others.

Still, each of the four major credit card processors do business with millions of merchants in more than 100 countries. According to Nilson Report, both Visa and Mastercard have the most merchants worldwide -- 52.9 million -- while Discover has 44 million and American Express has 25.3 million.

Read more: Credit scores: Everything you need to know

Eligibility 

There are dozens of different kinds of credit cards in the market -- from airline and travel cards to cash-back cards. Each comes with its own set of eligibility requirements that take into account credit score and history. American Express may be the most stringent issuer when it comes to eligibility; most of the company's cards require applicants to have a credit score of at least 670.

In contrast, the Capital One Platinum Credit Card has more relaxed requirements. The company says that it requires a "fair" credit rating, which would include an applicant who has defaulted on a loan during the past five years or has a limited credit history. It doesn't feature as many perks as the American Express card, but it will allow you to build your credit and pave your way toward other cards with more lucrative rewards.

*All information about the Blue Cash Preferred Card from American Express has been collected independently by CNET and has not been reviewed by the issuer.

More credit card advice

Источник: https://www.cnet.com/personal-finance/credit-cards/the-differences-between-visa-mastercard-american-express-and-discover-cards/

Why should I soft check my credit card eligibility?

When you apply for a credit card online, a trace of your application will be left on your credit file and this can have a negative impact. If you make more than one application for credit in a short space of time this will damage your credit score even further.

This can be particularly problematic for people with poor credit who might be turned down by one lender and immediately apply to another lender.

That’s why it makes sense to carry out a ‘soft’ eligibility check first. Vanquis Bank’s Eligibility Checker will give you an instant decision, without leaving a trace on your credit file. If this initial application is approved, we’ll then carry out a full credit check which will be recorded on your credit file. Although our Eligibility Checker can’t guarantee your application will be approved, if you get a positive response at this stage, there’s a good chance we’ll lend to you.

Common credit questions

If you’re taking out credit for the first time, you may have a number of questions around credit card eligibility, interest rates and repayments. We’ll try to answer the most common questions below.

What is APR?

APR stands for Annual Percentage Rate. Shown as a percentage, usually to one decimal point, it represents the cost of borrowing money over a year on a credit card or loan, taking into account interest, as well as other charges you may have to pay such as an annual fee.

You might see the APR advertised as ‘representative APR’. This is because credit cards providers often offer different rates depending upon how the card is used and the borrowers’ credit score. The representative APR is shown to give you an idea of the interest rate you’re likely to pay if you use it for standard purchases, but the rate you finally get might be different.

Credit builder credit cards usually come with a higher APR than credit cards available for those with a good credit score.

How will it improve my credit rating?

Each time you use your credit card and make repayments on time, this leaves a positive mark on your credit file, which ultimately helps to improve your credit rating. On the flip side, if you overspend on your card or miss repayments, this will leave a negative mark that will lower your credit score.

A credit card application will also affect your credit score, that’s why you should only ever apply for a card that’s suited to your circumstances, and avoid making multiple applications within a six month period.

What is bad credit?

Bad credit is when you have handled credit poorly, by overspending or missing repayments, which in turn damages your credit score and gives you a bad credit profile.

What is a credit score?

A credit score is a number that lenders use to decide whether they’ll lend to you and, if so, what type of credit they’ll offer. Your credit score is worked out by using data from a credit reference agency alongside other information such as employment status, the type of credit you’re applying for, the amount of applications you’ve made recently, the amount of credit you currently have and how you are managing it.

In general, the better your credit score, the lower the interest rate will be on your borrowing. People with higher credit scores also have a higher chance of acceptance for cards that offer 0% balance transfers, interest-free purchases and cashback offers.

What information do I need for my credit card application?

To apply via the Vanquis online Eligibility Checker, you’ll need to give us the following information:

  • Name
  • Address
  • Date of birth
  • Residential status
  • Time at your current address
  • Contact details
  • Employment status
  • Salary
  • Monthly income and expenditure

If you pass the initial eligibility check, we’ll then need address information for the past three years, alongside your bank account and debit card details. You’ll also need to confirm that you are aged 18 or over, a UK resident, not bankrupt, and agree to a full credit check.

How do I check my eligibility?

To check your eligibility for a Vanquis credit builder credit card, use our Eligibility Checker – this will give you an instant initial decision, without leaving any trace of a search on your credit file.

Источник: https://www.vanquis.co.uk/credit-cards

This page includes information about the Discover products that are not currently available on The Points Guy and may be out of date. The information for the cards below have been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Comparing the best Discover credit cards

Before you apply

Whether it’s Chase’s 5/24 rule or Amex’s once-per-lifetime bonus policy, each card issuer has its own rules surrounding new applications, and Discover is no different. As Doctor of Credit reports, you can have a maximum of two Discover cards, and your first account has to be open for at least a year before you can apply for a second. You can also only have one student card.

Referral bonuses are a great way to earn extra rewards when you help your friends and family pick out a new credit card. The Discover it Miles card offers a $100 statement credit each for you and your approved referral (after he or she makes any purchase in the first three months), up to $500 per calendar year. All other Discover cards — Discover it Cash Back, Discover it Student Cash Back, Discover it chrome, Discover it Student chrome and Discover More Card — award a $50 referral statement credit, also up to $500 per calendar year. Both deals are good through Dec. 31, 2021, although they’ve been extended for multiple years now.

Discover will also let you product-change to a different card, with the exception of the Discover it Miles card. Unlike with other issuers, there doesn’t appear to be a minimum time your account must be open before you can product-change.

Discover credit cards

Before we talk about the differences between the various Discover it cards, let’s talk about their similarities. None of the Discover it cards charge an annual fee or foreign transaction fees, which isn’t something you can always take for granted. More often than not, cards without annual fees charge foreign transaction fees, while those with an annual fee don’t. This makes Discover a solid option for earning rewards at home and abroad without any type of financial commitment on your part.

All the Discover it cards also offer a similar introductory offer. Instead of a fixed amount of points or money after spending a certain amount, Discover will match all your cash back or miles earned during your first 12 months of card membership. This makes any bonus categories twice as valuable for that first year.

Discover it Cash Back

This card functions similarly to the popular Chase Freedom (No longer open to new applicants), in that it earns 5% back on your first $1,500 in purchases at rotating quarterly categories (upon enrollment). The current 2021 Q4 categories are Amazon.com, Walmart.com and Target.com.

If you max out the $1,500 bonus category each quarter, you’ll earn $300 on the year, though Discover will match the cash back you earn in your first year (so that’s $600 back). After that, the card earns 1% on all other purchases.

With no redemption minimums to worry about, you can cash out your rewards at any time and get that money working for you again.

Discover also offers two other versions of the Discover it card with identical earning structures. One is the Discover it Student Cash Back, which has one additional perk worth mentioning. For every school year that your GPA is 3.0 or higher (up to five years), you can receive a $20 statement credit as a good grade reward. While that’s not a ton of money, if you’re a student it might be reason enough to pick the student version over the standard Discover it Cash Back card.

The other is the NHL Discover it. You’ll get access to the same 5% quarterly rotating categories (on your first $1,500 in purchases each quarter you enroll; then 1%) and first year cash-back match, and for no additional cost you can get the logo of your favorite NHL team on the card.

Discover it Miles

This card earns an unlimited 1.5x “miles” on all purchases made, although don’t let the name fool you. These aren’t transferable miles like you’d earn with certain Chase or Amex cards; instead, they can be redeemed as a fixed-value travel eraser. Miles are worth 1 cent apiece.

You can redeem your miles for any travel purchase made on the card in the last 180 days. The terms and conditions list the following as eligible travel purchases:

  • Airline tickets
  • Hotel rooms
  • Car rentals
  • Travel agents
  • Online travel sites
  • Commuter transportation

Discover it chrome

The Discover it chrome card is not especially competitive for those with established credit, as it only offers 2% at gas stations and restaurants on your first combined $1,000 spent each quarter, then 1% on all other purchases. That doesn’t compare favorably to a card like the American Express® Gold Card, which offers 4x on dining at restaurants, worth 8% back based on TPG’s valuations, but that card has a $250 annual fee (see rates and fees) compared to no annual fee on the Discover it chrome card.

Again, Discover offers two different cards that use this same earning structure which might be more useful to certain target audiences. The first is the Discover it Student chrome, which offers the same $20 statement credit each school year your GPA is 3.0 or higher; for up to the next 5 years, as the Discover it Student Cash Back and might be well-suited to students with less established credit histories.

The other version is the Discover it Secured, which is another great strategy to build credit, whether you’re young and just starting out or looking to move on from some dings to your credit report. After you’re approved and given a maximum possible credit line, you’ll pay a refundable security deposit as collateral. Your card’s credit limit will then equal the amount you chose to pay for the deposit. This allows Discover to issue a full credit card (not a debit or prepaid card) to people with less-than-perfect credit while minimizing risk.

Discover it Business Card

This no-annual-fee, no-frills business card offers an unlimited 1.5% cash back on all purchases, which Discover will match at the end of your first year. That’s not all that exciting by itself, but high-spending businesses can use the first-year cash-back match to essentially earn 3% back on all their purchases without spending any extra time or effort on their card strategies. Discover also offers a number of management tools that businesses will appreciate, such as free employee cards and the ability to easily download transactions into Quicken, QuickBooks and Excel.

Comparing cash-back cards

When looking at most cash-back cards, the first thing you’ll want to do is sit down with an estimate of your yearly spending and make sure that you’ll earn enough rewards to offset the annual fee. Unlike frequent flyer miles or credit card points, where the exact value of your rewards changes based on how you choose to use them, cash is always worth the same amount.

Thankfully this isn’t an issue with Discover cards, as none of them charge annual fees. Even better, none of them charge foreign transaction fees, which is a rare combination. This means you can use your Discover cards to continue racking up rewards abroad, though you’ll want to keep an eye on the various bonus categories to make sure you’re using the most rewarding card for each transaction.

How to decide between earning cash back and transferable points

Any time you apply for a new credit card, it’s important to understand how it fits into your broader strategy. When it comes to deciding between earning airline miles or cash back, there are two important facts to be aware of. The first is that, with few exceptions, miles are going to be worth more than the equivalent amount of cash back. I’ll take 1 mile per dollar over 1% cash back any day, on just about every airline I fly with. The other fact is that miles take more effort to redeem well (and really at all), and your time is worth something, too.

If you’re willing to put time into studying airline award charts and learning the ins and outs of transferable points, you can get a much higher return on your spending pursuing those rewards, especially for long-haul premium cabin travel. But if you’re looking for simplicity, cash back might be a better option.

Of course it doesn’t have to be one or the other — there’s room for both cards in a comprehensive award strategy. No matter how hard we try to keep our travel free using points and miles, there will be some expenses that simply require cash including taxes (on award tickets, or resort fees at hotels), tours, food and drink and other expenses that your points can’t easily cover. Having some cash-back rewards at your disposal can help you keep your out-of-pocket costs as low as possible when traveling.

Bottom line

With no cash or points sign-up bonuses, Discover cards probably shouldn’t be the first cards you add to your wallet. That being said, for people with poor or limited credit histories, the various student and secured cards Discover offers can be a great stepping stone to more rewarding transferable points cards.

Experienced players can get great value here as well. Since there’s no cap on the first year cash-back match, high-spending individuals and businesses can score an incredible return on bonus categories and everyday spending without jumping through as many hoops as some other cards require.

Additional reporting by Stella Shon.

For rates and fees of the Amex Gold, click here.

Featured photo by The Points Guy.

Updated 09/27/21.

Источник: https://thepointsguy.com/credit-cards/discover/
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Card Details

Help build your credit

A secured credit card designed to help establish, strengthen or rebuild credit

A minimum refundable security deposit of $300 (maximum of $4,900) is required to open this account.

Your maximum credit limit will be determined by the amount of the security deposit you provide, your income and your ability to pay the credit line established.

FICO® Score

Now, you can access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking. Opt-in to receive your score, the key factors affecting your score, and other information that can help you keep your credit healthy. 

Deposit return

We'll periodically review your account and, based on your overall credit history (including your account and overall relationship with us, and other credit cards and loans), you may qualify to have your security deposit returned. Not all customers will qualify.

Learn more about credit

Access to credit education on topics like using credit cards responsibly, budgeting and more

Interest Rates & Fees Summary

Interest Rates & Fees Summary

Interest Rates & Fees Summary

Please see Terms and Conditions for rate, fee and other cost information, as well as an explanation of payment allocation. All terms may be subject to change.

Standard APR

Balance Transfer Fee

3%

of each transaction (minimum $10)

Standard APR

Balance Transfer Fee

3%

of each transaction (minimum $10)

Note: minimum payments are applied to lower-interest balances first. Additional payments are applied to higher-interest balances first.

View complete list of rates and fees

Security & Features

Security & Features

Stay Protected

We block potential fraud if abnormal patterns are detected and let you know if we suspect fraudulent activity. Plus, you always get a $0 Liability Guarantee for fraudulent transactions. Learn more at the Security Center

Contactless Chip Technology

Simply tap to pay where you see the Contactless Symbol. You can make purchases quickly, easily and securely at millions of locations. Learn more Contactless Chip Technology

Overdraft Protection

An optional service to help prevent declined purchases, returned checks or other overdrafts when you link your eligible Bank of America® checking account to your credit card. Transfer fees may apply.

Paperless Statement Option

Opt for paperless credit card statements and increase account security while reducing paper consumption.

Digital Wallet Technology

Discover more ways to pay by adding your Bank of America® credit card to your mobile device then shop in-store or in-app using Apple Pay®, Google Pay™ or Samsung Pay. Learn more Digital Wallet

Online & Mobile Banking

Access to our award-winning Online and Mobile Banking. Bank on the go from almost anywhere quickly and securely. Pay your credit card bill online, transfer funds, check available credit and more.

Account Alerts

Stay on top of your balances and due dates. Choose from several types of customer email or text alerts and let your phone tell you when payments are due and paid.

FICO® Score

Now, when you opt-in you can access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking.Learn More FICO Score

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Источник: https://www.bankofamerica.com/credit-cards/products/secured-credit-card/

Related Videos

How to apply for the DISCOVER IT Secured Credit Card in 2021
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Card Details

Help build your credit

A secured credit card designed to help establish, strengthen or rebuild credit

A minimum refundable security deposit of $300 (maximum of $4,900) is required to open this account.

Your maximum credit limit will be determined by the amount of the security deposit you provide, your income and your ability to pay the credit line established.

FICO® Score

Now, you can access your Play go online now Score updated monthly for free, within your Mobile Banking app or in Online Banking. Opt-in to receive your score, the key factors affecting your score, and other information that can help you keep your credit healthy. 

Deposit return

We'll periodically review your account and, based how to find ups account number on label your overall credit history (including your account and overall relationship with us, and other credit cards and loans), you may qualify to have your security deposit returned. Not all customers will qualify.

Learn more about credit

Access to credit education on topics like using credit cards responsibly, budgeting and more

Interest Rates & Fees Summary

Interest Rates & Fees Summary

Interest Rates & Fees Summary

Please see Terms and Conditions for rate, fee and other cost information, as well as an explanation of payment allocation. All terms may be subject to change.

Standard APR

Balance Transfer Fee

3%

of each transaction (minimum $10)

Standard APR

Balance Transfer Fee

3%

of each transaction (minimum $10)

Note: minimum payments are applied to lower-interest balances first. Additional payments are applied to higher-interest balances first.

View complete list of rates and fees

Security & Features

Security & Features

Stay Protected

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Источник: https://www.bankofamerica.com/credit-cards/products/secured-credit-card/

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      • The NEW AARP(registered trademark) Essential Rewards Mastercard (registered trademark) from Barclays

        The NEW AARP® Essential Rewards Mastercard® from Barclays

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        Hawaiian Airlines®World Elite Business Mastercard®

        • Earn up to 90,000 bonus miles

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        Holland America LineRewards Visa® Card

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        • Earn 10,000 bonus points

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        Miles & More®World Elite Mastercard®

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        Upromise®Mastercard®

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      Источник: https://cards.barclaycardus.com/banking/cards/
      004-credit-cards-debt-cash-money-stimulus

      Plenty of factors go into choosing a credit card -- finding a low interest rate, calculating your cash-back potential and browsing through rewards. A card's particular processing network isn't likely to be a key part of most people's criteria. But whether your card is backed by Visa, Mastercard, American Express or Discover has implications for where and how you can use it.

      The four major credit card processors oversee every part of the purchase process -- including approving or declining a transaction, protecting shoppers and merchants from fraud 1st day of fall pictures making sure that money flows to and from the appropriate accounts. Here's everything you need to know about credit card processors and the differences among them.

      Read more: The best cash-back credit cards

      Major credit card processors, compared


      Visa Mastercard north east texas football scores American Express hollow knight simple key locations Discover
      Processor first central state bank online banking Yes Yes Yes Yes
      discover bank credit card application Issuer care credit bill pay average savings account interest 2017 No No Yes Yes
      third coast comedy Global merchants 52.9 million 52.9 million 25.3 million 44 million
      Countries supported discover online high yield savings state savings bank frankfort 200 discover bank credit card application 210 discover bank credit card application 130 185
      seacoast utility authority Popular discover bank credit card application and co-brands frost bank san marcos hours Chase, Bank of America, Wells Fargo, US Bank married at first sight season 9 episode 4 Citi, Capital One, United, SunTrust state farm bank interest rates discover bank credit card application Delta, Hilton, Marriott NHL

      Processing vs. issuing

      Credit card processors act as the liaison between your bank and a merchant's bank. When a payment is initiated, a processor analyzes the request -- making sure that the request is real and you are the one making it. If everything looks legit, it approves the transaction, takes the money out of your bank (or applies the charge to your credit card) and pays the merchant. Visa, Mastercard and Square are all credit card processors.

      Issuers provide credit cards to consumers. They do all of the vetting -- reviewing applications to see if you're qualified and reporting payments (and missed payments) to credit bureaus. They also handle customer service: If you ever have a concern about a transaction or want to dispute a payment, call your card issuer using the number on the back of the card. Chase, Bank of America and Wells Fargo are examples of credit card issuers.

      American Express and Discover are the only major processors that also issue cards. If you have a Visa or What time is wells fargo open till card, it's always going to be linked to an issuing bank such as Capital One or Barclays. American Express and Discover may offer cards through separate issuers, too, but they have the capacity to issue their own cards. For instance, American Express serves as both issuer and processor for its Blue Cash Preferred® Card from American Express* card.

      Read more: 7 things to know about interest-free credit cards

      Acceptance

      Credit card processors make money by collecting a percentage of every transaction that comes through their network. Part of the reason that American Express cards aren't accepted as widely as others is that it charges merchants a higher fee on average than others.

      Still, each of the four major credit card processors do business with millions of merchants in more than 100 countries. According to Nilson Report, both Visa and Mastercard have the most merchants worldwide -- 52.9 million -- while Discover has 44 million and American Express has 25.3 million.

      Read more: Credit scores: Everything you need to know

      Eligibility 

      There are dozens of different kinds of credit cards in the market -- from airline and travel cards to cash-back cards. Each comes with its own set of eligibility requirements that take into account credit score and history. American Express may be the most stringent issuer when it comes to eligibility; most of the company's cards require applicants to have a credit score of at least 670.

      In contrast, the Capital One Platinum Credit Card has more relaxed requirements. The company says that it requires a "fair" credit rating, which would include an applicant who has defaulted on a loan during the past five years or has a limited credit history. It doesn't feature as many perks as the American Express card, but it will allow you to build your credit and pave your way toward other cards with more lucrative rewards.

      *All information about the Blue Cash Preferred Card from American Express has been collected independently by CNET and has not been reviewed by the issuer.

      More credit card advice

      Источник: https://www.cnet.com/personal-finance/credit-cards/the-differences-between-visa-mastercard-american-express-and-discover-cards/

      Discover Card

      Credit card

      Discover is a credit card brand issued primarily in the United States. It was introduced by Sears in 1985. When launched, Discover did not charge an annual fee and offered a higher-than-normal credit limit, features that were disruptive to the existing credit card industry.[citation needed] A subsequent innovation was "Cashback Bonus" on purchases.[1]

      Most cards with the Discover brand are issued by Discover Bank, formerly the Greenwood Trust Company. Discover transactions are processed through the Discover Network payment network. In 2005, Discover Financial Services acquired Pulse, an electronic funds transfer network, allowing it to market and issue debit and ATM cards. In February 2006, Discover Financial Services announced that it would begin offering Discover debit cards to other financial institutions, made possible by the acquisition of Pulse.[2]

      Discover is the third largest credit card brand in the U.S. based on the number of cards in circulation, behind Visa and MasterCard, with 57 million cardholders.[3]

      History[edit]

      At the time Discover was introduced, Sears was the largest retailer in the United States. It had purchased the Dean Witter Reynolds brokerage organization and Coldwell, Banker & Company (real estate) in 1981[4] as an attempt to add financial services to its portfolio of customer services. Ray Kennedy, Sr, father of country singer Ray Kennedy and the credit manager for Sears, conceived the card.[5] After a trial period in 1985, starting with a $26.77 purchase at an Atlanta Sears on September 17,[6] the actual launch was pushed through by Philip J. Purcell and Mitchell M. Merin, the company's senior vice president for corporate administration and manager of financial analysis, respectively.[7] Together with the Discover Card (and its issuing bank, the Greenwood Trust Company, owned by Sears), this was named the Sears Financial Network. Early Discover Cards bore a small embossed symbol representing the Sears Tower, then the company's headquarters.

      Discover was part of Dean Witter, and then Morgan Stanley, until 2007, when Discover Financial Services became an independent company.[8]Novus was once the major processing center that discover bank credit card application with the company. The Novus logo was retired, replaced by mbna acces en ligne Discover Network logo.

      Discover and Novus retired acceptance mark (still seen in many places)

      Unlike other attempts at creating a credit card to rival MasterCard and Visa, such as Citibank's Choice card, Discover gained a large national consumer base. It carried no annual fee, which was uncommon at the time, and offered a typically higher credit limit than similar cards. Cardholders could also earn a "Cashback Bonus", in which a percentage of the amount spent would be refunded to the account (from 1% to 5%), depending on how much the card was used.[9] Discover was also noteworthy for being the blackberry key2 software update credit card accepted by the U.S. Customs Service to pay customs duty, effective February 19, 1987.[10] Since it did not charge a percentage fee to retailers, unlike Visa, MasterCard, and American Express, Discover was union bank credit card payment online the only credit card accepted at Sam's Club; the retailer has since started to accept MasterCard and American Express (see below). A 1989 study found that Discover had strong consumer adoption in the U.S.; the number of households with Discover cards increased by 2.1 million, or 14 percent, in 1989.[11] In this same year, Discover also signed a restaurant in Delaware as its 1 millionth merchant in its payment network.[12]

      The plan to create a one-stop financial-services center in Sears stores was not as successful as Sears had hoped, and its promotion of Discover was thought both to hurt Sears turnover and to restrict the card's potential. Other retailers resisted it, as they were developing their own credit products and they believed they would be helping their competitor. Sears began to face difficulties in the late 1980s in light of these developments, and with strong competition both from Walmart and from so-called category killers such as Toys "R" Us. Discover's introduction was costly; Sears's Discover credit card operations accounted for a loss of $22 million in the fourth quarter of 1986, and a loss of $25.8 million in the first quarter of 1987.[13] Sears sold its financial businesses in 1993 and began to accept MasterCard and Visa in addition to its store credit discover bank credit card application and Discover. Discover became part of the Dean Witter financial services firm, and the new company was called Dean Witter, Discover & Co. In 1997, this company merged with Morgan Stanley to become Morgan Stanley Dean Witter, Discover & Co. In 1999, this company rebranded itself as Discover Financial Services, Inc.[14]

      Discover Bank[edit]

      The Greenwood Trust Company was founded in 1911 and is based in Greenwood, Delaware. It was acquired by Discover Financial Services in 1985 and renamed Discover Bank in 2000.[15] The first and original location of Greenwood Trust Co. on East Market Street is now the town hall and police station.[16]

      Global alliance[edit]

      Further information: Card reciprocal agreements

      Starting around 2005, to increase acceptance around the world, Discover has formed several agreements with other bank of america current mortgage rates 30 year fixed networks internationally. This platinumoffer Discover cardholders to perform transactions while traveling abroad. Vice versa, cardholders of other countries may utilize their cards at U.S. merchants that accept Discover.[17] Some major examples include:

      In 2015, due to the growth of UnionPay, Discover became the world's most widely accepted card.[19] Currently, Discover is accepted in 185 countries.[20]

      Business developments[edit]

      In October 2004, the Supreme Court upheld a ruling in Discover's favor that challenged exclusionary policies of Visa and MasterCard, stating that Mastercard and Visa were violating antitrust regulations. Before this ruling, Visa and MasterCard would not allow banks to issue a Discover or American Express card if they issued a Visa or MasterCard. Within days of the court ruling, Discover filed a lawsuit in federal court seeking damages from Visa and MasterCard.

      Shortly after the 2004 Supreme Court ruling, Discover struck its first deal to have its cards issued by another financial institution, GE Consumer Finance, which began to issue credit cards for retailer Walmart and its wholesale warehouse stores, Sam's Club.[21] Transactions were processed on the Discover Network. Sam's Club exclusively accepted Discover for many years; since November 2006, it has also accepted MasterCard for purchases. In April 2014, Walmart announced that they were ending their relationship with Discover and would begin converting all Discover-branded cards to Mastercard beginning in June 2014.[22]

      HSBC has issued Discover-branded credit cards processed through the Discover Network since its acquisition of card issuer Metris in late 2005. Metris had originally signed an agreement with Discover in September 2005, three months prior to the HSBC acquisition.

      In September 2012, Discover was ordered to pay over $200 million in fines and customer reimbursements to settle accusations by U.S. federal regulators that it had engaged in deceptive telemarketing tactics.[23]

      Advertising[edit]

      From 1998 to 2007, Discover Card owned a billboard at One Times Square, just above the flagpole where the Times Square Ball is placed, until Toshiba bought the space. As a result, its logo could be seen on national television during New Year's Eve, while the ball dropped. Discover also sponsored the ball drop itself.[24][25]

      From its opening in 2001 to 2012, Sugarloaf Mills Mall in Lawrenceville, Georgia, was named Discover Mills in a naming rights partnership with Discover Card. The slogan for the mall was "Where Discover Card is the Smart Choice." It was the first shopping mall to have granted naming rights to interested companies.[26][27]

      Since 2008, Discover has been the official credit-card partner of the National Hockey League. As part of this deal, Discover offers team- and league-branded credit cards as well as a 10% discount on purchases made from the NHL's online store using Discover.

      See also[edit]

      Industry5.svg Companies portal

      References[edit]

      1. ^Vasquez, Jose. “History of Discover Card”. January 8, 2009. Retrieved 2016-11-28.
      2. ^"Merger of Discover Financial Services and Pulse EFT Association closes following Pulse member approval" (Press release). Discover Financial Services. January 12, 2005. Archived from the original on December 8, 2012. Retrieved October 22, 2007.
      3. ^Peter, Bianca. ["Market share by credit card network"]. September 2, 2019. Retrieved 2020-09-18.
      4. ^"A Brief Chronology of Sears History". Sears Brands, LLC. Retrieved August 12, 2009.
      5. ^Whitburn, Joel (1996). The Billboard Book of Top 40 Country Hits, p.173. ISBN 0-8230-7632-6.
      6. ^Kagan, Julia (June 27, 2018). "Discover Card". Investopedia. Retrieved August 1, 2020.
      7. ^Blake, Rich (November 1, 2002). "Blue chipped". Institutional Investor. Retrieved August 9, 2018.
      8. ^“Discover flying solo”. The Green Sheet, July 9, 2007. Retrieved 2016-12-04.
      9. ^Simon, Jeremy M. Credit card reward programs: a short black victoria secret angels. CreditCards.com, November 14, 2006. Retrieved 2016-12-04.
      10. ^Customs Service Rules on Credit Cards. Journal of Commerce. Retrieved December 5, 2016.
      11. ^Aguilar, Linda. Banks and nonbanks at the end of the ‘80s. Federal Reserve Bank of Chicago, March 1, 1990.
      12. ^Harkness, Brendan. [1]. CreditCardInsider.com, April 7, 2020.
      13. ^Barmash, Isadore. "Sears Net Rises 47.4% in Quarter", The New York Times, April 22, 1987.
      14. ^Kagan, Julia. [2]. Investopedia.com, June 27, 2018.
      15. ^"Greenwood Trust Company Renamed Discover Bank" (Press release). Discover Financial Services. August 1, 2000. Archived from the original on January 21, 2014.
      16. ^"Discover Bank".
      17. ^"Reach and Acceptance | Discover Global Network".
      18. ^"Card Acceptance – Troy – Turkey's Payment Method".
      19. ^"Discover tops Mastercard, Visa as planet's most-accepted payment card". September 28, 2016. Archived from the original on November 17, 2016.
      20. ^"International Credit Card Acceptance | Discover".
      21. ^Kingson, Jennifer A. "Credit Card Issuers Adjust to Open Field", The New York Times, March 26, 2005.
      22. ^Lee Enterprises. "Wal-Mart taps MasterCard for store-branded credit card". stltoday.com.
      23. ^"Federal Deposit Insurance Corporation and Consumer Financial Protection Bureau Order Discover to Pay $200 Million Consumer Refund for Deceptive Marketing". Consumer Financial Protection Bureau.
      24. ^Metro Business; Discover Is Sponsor For Year 2000 Event
      25. ^Back in Times Square, Toshiba Stands Tall
      26. ^"The Mills Corporation Announces the Grand Opening of Discover Mills". PR Newswire. Retrieved March 9, 2016.
      27. ^Sawicki, Beth (September 21, 2012). "Discover Mills renamed Sugarloaf Mills". Gannett. 11 Alive News. Archived from the original on January 16, 2013. Retrieved March 9, 2016.

      External links[edit]

      Media related to Discover Card at Wikimedia Commons

      Источник: https://en.wikipedia.org/wiki/Discover_Card

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      Chase.com home

      “Chase,” “JPMorgan,” “JPMorgan Chase,” the JPMorgan Chase logo and the Octagon Symbol are trademarks of JPMorgan Chase Bank, N.A.  JPMorgan Chase Bank, N.A. is a wholly-owned subsidiary of JPMorgan Chase & Co.

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      Credit Cards

      Credit Card Offer FAQs

      Find information on Discover cards, how to apply for a credit card online, and more.

      Discover credit cards are available on the Discover it® platform, a set of common benefits we’re committed to providing to every customer. However, the rewards and some extra benefits vary from product to product to be sure we can give different customers what they need.

       

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      You can apply for Discover credit cards at Discover.com or by calling 1-800-DISCOVER (1-800-347-2683). Select from cash back credit cards or travel credit cards. We also have Discover student cards and a Discover business card. All our credit cards earn Discover rewards on every purchase. You’ll need to be 18 or older to apply for a card. If you're not yet 21, you will have to apply online. Discover business card and Discover Secured credit card applicants must also apply online.

      1st person point of view in literature Discover card credit score requirements vary by product. In general, the standard Discover it® Card is for people with established credit. But the Discover Secured credit card is built for people looking to build or rebuild their credit with responsible use.4 No matter what, cardmembers earn Discover Card rewards on every purchase.

      People wondering how to get a credit card should check their credit score with a free tool like the Discover Credit Scorecard. Then you may want to do a credit card comparison and choose the one that’s best for you. It’s always good to check if you’re pre-approved to see your likely offers before you apply for a card. While checking if you’re pre-approved won’t hurt your credit, each full application for a credit card may impact your credit score.

      If you’re thinking about how to get a credit card, check your credit score to figure out your likely credit card eligibility. Then, a credit card comparison can help you choose the one that’s best for you. It’s always good to check if you’re pre-approved for a card before you apply. Checking if you’re pre-approved won’t harm your credit, but applying for credit cards may impact your credit score. Check to see if you‘re pre-approved.

      You may receive credit card offers in the mail, by email or online. Compare your offers by rewards, sign-up bonus, benefits, APR (including introductory rates), fees and credit limits. Look for rewards programs that fit the way you spend: if you know you will use the card for groceries, gas, dining or travel, you may be able to find a card that helps you earn more. And look for a sign-up bonus that doesn’t have a minimum spending amount required to get your extra rewards.

      Different credit cards require a different credit rating for approval. Some cards are only for people with excellent credit or good credit. Other cards are great if you have fair credit or are building or rebuilding credit. The credit card company will run a credit check as part of its decision to approve your application. It’s a good idea to check your credit score or get a copy of your credit report before applying for a new card.

      A credit card is a revolving loan that you can use to make purchases. Each month you’ll receive a statement telling you how much of the loan you have used and have to pay back. If you pay the statement balance in full by the due date each month, you will not be charged interest on purchases. Otherwise your APR will apply to your unpaid credit card balance and you’ll have interest charges in your next statement. When you apply for a credit card, the credit card issuer will pull your credit report – which could result in a hard inquiry – as one of the factors they use to decide whether to approve your application. Credit cards often provide rewards on purchases, which is usually a percentage of the amount you spent with the card. A credit card comparison shows you different rewards and benefits and can help you find the credit card that’s best for you.

      Your credit limit is the maximum amount of the revolving line of credit on your card—or the total amount you can use on your card for purchases, balance transfers, etc. When you apply for a credit card, the bank or credit card company uses a variety of information to decide what credit limit they can offer. As you show responsible credit use, credit card issuers may increase your credit card limit.

      There are many reasons to get a credit card: you may decide to apply for a credit card for the rewards, APR (including intro rates) or sign-up offers. Or you might want to build your credit history. Some credit cards like Discover provide $0 Fraud Liability Guarantee, which means you’re never responsible for unauthorized purchases on your Discover Card.6 Also, credit cards often provide extra benefits, like providing helpful alerts on your spending and more.

      Credit card companies consider a number of factors in their decision to approve your application, including your credit history and your ability to repay. So they may consider your credit score, income and more. One of the simplest helpful credit habits is to make at least the minimum payment for all of your bills on time every month.

      Are you ready to add a Discover credit card to your credit journey?

       

      Learn how and why you may receive pre-approved credit card offers, what to look for, and how you can opt-out of pre-approved credit card offers.

       

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      Find out which credit cards you qualify for by trying an online card pre-approved tool, checking doesn't impact your credit score and can personalize your offer.

      Источник: https://www.discover.com/credit-cards/
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