If you recently received in the mail a credit card offer from Discover for their Discover IT card take advantage of the offer and apply online. The letter you received indicates that you are either pre-qualified or pre-approved for a Discover IT card. Your next step will be to go through the application process and see if you are extended a credit limit with Discover.
You will however need to follow the instructions on your letter or simply fill in the blanks on the online application. There is a 23 digit number on the letter called an invitation number that will be the first bit of information that the online application asks for. Since you’ve been pre-qualified already much of your personal information that is needed to receive a Discover card is already known and you will simply need to continue through the short application process.
If approved for a card and extended a credit limit here are some highlights of the Discover IT card that are beneficial to the average cardholder. The card offers rewards features including 5% cash back in various categories which switch up every quarter. You will also receive 1% cash back on all other purchases. Many of the rewards can be used at Amazon.com during checkout. These values are immediately available after you sign up for a card.
A major perk for cardholders is the Discover IT does not require an annual fee to use the card. There are also no over the limit fees, no variable interest rate, and for your first payment there is no late pay fees. Additional perks that cardholders can expect is a free FICO Credit Score which will be available inside your online account or attached to your monthly statement. If there are fraudulent charges assessed to your account the $0 Fraud Liability Guarantee will free you of responsibilities.
If you are trying to rebuild your credit or maybe this is your first opportunity to receive a credit card consider the Discover IT card.