Hey Duane here with how to build credit
TV and in this video I'm going to show
you the application process for the
Discover Card but before we get started
I have a quick message.
Once again my name is Duane with how to
build credit TV and on this channel we
talk about everything you need to know
about credit. We also talk about how to
get cash back actual cash money from
using credit cards as well as credit
card reviews if this sounds like
something in which you're interested be
sure to subscribe to our channel by
clicking the word subscribe below this
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thing. Ok so if you're interested in
getting a credit card from Discover card
they actually offer quite a bit of
credit cards. Whether you're a college
student or you're a full-blown adult,
there's a credit card for you.
Discover card is actually really good at
matching the cash back or the miles that
you've earned in your first year of
membership. So what that means is they
actually match every single cent or
every single mile that you earn
depending on the credit card that you're
gonna get from Discover card in your
very first year. So I've been fortunate
enough to have the discover it
secured card for 12 months going on 13
months now and I've been able to get
back eight hundred seventy two dollars
and 68 cents. I'll actually link a video
at the top right of this video if you're
interested in watching. And I'll link it
at the end of this video as well. But in
this video what I'm gonna do is I'm
gonna show you the application process
if you're interested in getting the
Discover card. So I'm gonna go ahead and
jump on my laptop for the rest of this
video and I'll see you in just one
second on a laptop. Okay so as you can
see I'm at the Discover website. I'm
gonna go ahead and apply for the
Discover card, I actually have the
discover it secured card. I've had it
for a year twelve full months but for
some reason I have not been promoted to
the unsecured card. I'm not sure if it's
because I had a high credit limit which
was twenty five hundred dollars. I
deposited twenty five hundred dollars
with them so I'm gonna go ahead and
apply for it just because I actually
like this card so much and I like the
cashback a lot. And the fact that they
match the cash back so you can have I
think two to discover cards. Sorry guys
I'm really having a hard time typing as
I'm talking to you clearly I need to
work on this. But I so yeah I have to you
can have to discover cards and so I'm
gonna go ahead and apply for this card
which is going to be an unsecured card.
Let me show you today's date today's
date is August the 24th today's Friday.
This is the second credit card
application I've done today. Once again
I'm applying for
this card because I know that I should
get approved I applied for the American
Express blue cash everyday card or
something like that I did that earlier.
I'll be sure to link that video in this
video so you can watch that application
as well which was a pretty excited that
I was able to kind of reestablish a
relationship with an American Express. It
had been awhile since I was in college.
So I'm bear with me here as I typed
slowly and try to communicate to you
guys while I am filling out this
application. So I'm really excited
I actually made with my Discover card. I
made eight hundred seventy two dollars
and 68 cents I want to say I did a video
on that as well but that's the cashback
that I've earned in one year and
Discover card is going to match that so
I am really excited about that of course.
I'm gonna make it another video showing
you guys you know when they actually
match it and I'll actually show you guys
when I deposit that money into my
account, which is really cool because
it's real cash back. It's cash back that
I can deposit directly into my checking
account. So of course that's always
exciting, I had a great experience with
the Discover card to discover it
secured card the only thing that I did
not like was the fact that like I said I
was not promoted I still haven't been
promoted. And so I I'm gonna wait because
I'm not really in a hurry to get the
twenty five hundred dollars back it's
not like I need it right this minute
so I'm gonna go ahead and wait and kind
of see how long they take to promote me
to the unsecured card. So if they do or
when they do I'll have two cards of
course I don't want to I don't want to
cancel I don't want to cancel the secured
card that I have right now. Because you
know that's a year of credit history
that I have you know had and so it
doesn't make a lot of sense to get rid
of that and also closing that account
and opening this new account really
really sucks because you know that's
going to be like I'm gonna be losing
basically that whole relationship that
whole year that I've had with them.
So I'm not really excited about doing
that doing that but like I said I'm
definitely going to give them some time
maybe a couple of months and kind of see
how long they take to promote me to the
unsecured card. It's crazy
asking me for my work number and I don't
have that just memorized
unfortunately because I never called
myself while I'm at work. So I'm having
to Google that as I'm talking to you
guys right now in this video so forgive
me as I'm taking forever to supply that
information to them. So anyway um yeah so
I'm looking forward to it like I said
this is a second application that I have
submitted today. I applied for the
American Express blue cash everyday card
and looking forward to that I was
actually approved for that I was super
excited. Because it had been a long time
since I had a relationship with American
Express since back when I was in college
and I ruined that relationship so I'm
looking forward to you know having that
American Express card. But anyway so I'm
still applying here as you guys can see
all right let me consent here I have
agree I've read and agree blah blah blah
and let's submit the application here.
And see what happens this part here I
hate applying for stuff online like it's
just like the worst. I'm just like I
don't know online is I feel like online
it's real quick to reject you but I feel
like I actually get approved of this card.
So let's see how it goes as I'm waiting
for the page to load and for them to
decide.
Okay sweet congratulations you've been
approved your card credit line and other
important information should arrive in
five to seven days. When you get it be
sure to call it activate your card then
you'll be ready to start enjoying
rewards on every purchase. To check your
credit to check your line of credit
click here thanks for choosing us um I
should I click there. I'm gonna do it
because I'm a nerd let's see this will
be interesting,
well this is weird
it's sent me here I'm not sure if
they're gonna let me know what my credit
line is here. They did say that that the
information will arrive in you know five
to seven days or however long they said
so we'll see here. Oh sweet that's what
I'm talking about let's go yes alright
congratulations you're approved for a
Discover card.
Welcome soon you'll be getting well I
need to learn how to read it says soon
yeah that's right soon you'll be getting
cash rewards on everything you buy with
your new card. So watch for it in the
mail then activate it right away your
credit line is five thousand dollars.
Guys this is super exciting like I said
I actually have the discover it
secured card and I have twenty five dollar
credit limit on that but that's the
money that I put into it and I'm waiting
for them to upgrade me so that they can
give me my money back and I don't have
to cancel that account. So I'm pretty
excited it says if you receive a cash
advance credit line it will be less than
your total credit line and the amount
will be provided to you with your new
card. So I'm not really interested in all
that but that's sweet my credit line is
five thousand dollars. Thank you so much
for watching this portion of the video
I'll see you guys back in just one
second.
Thanks for watching this video about the
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need to know about credit. Whether you're
looking to establish credit, build credit,
rebuild credit or learn more about the
FICO score and how that is comprised so
you can increase your credit score. We
also talked about ways to get cash back
actual cash money from using credit
cards, as well as credit card reviews. If
this sounds like something in which
you're interested be sure to subscribe
to our Channel and click that
notification bell so you don't miss a
thing. Once again my name is Duane with
how to build credit TV and I approve
this video. I'll see you in the next
video. Until next time take care and be
blessed. Peace!