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Discover Business Card for Small Business 0% 18 months?? Archived From: Finance

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On Creditcards*com there is a option for a

Discover® Business Card for Small Business

0% Intro APR* on Balance Transfers for 18 months
Free employee cards with customizable limits and monthly reporting on their spending
Fee-free PurchaseChecks to pay merchants who don't accept credit cards
5% CashBack Bonus® on office supplies, 2% on gas and up to 1% on all other purchases*
No annual fee and unlimited rewards

I cannot find it listed anyhwere else; even in discovercard.com


Message edited by: lhendricks92 on 2007-10-14 08:47:15 CDT
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How many discover cards could one have? And would the count be different for personal and business cards?

GM99 said:On Creditcards*com there is a option for a

Discover® Business Card for Small Business

0% Intro APR* on Balance Transfers for 18 months
Free employee cards with customizable limits and monthly reporting on their spending
Fee-free PurchaseChecks to pay merchants who don't accept credit cards
5% CashBack Bonus® on office supplies, 2% on gas and up to 1% on all other purchases*
No annual fee and unlimited rewards

I cannot find it listed anyhwere else; even in discovercard.com


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I'm in: but got this message after applying:

Thank you for applying
Your application is being processed. We have received your application but need to perform additional processing before we can provide you with a decision. Within 30 days we will send you more information to the address provided on your Application.

If you have questions regarding the status of your application, please call 1-888-DISCOVER (1-888-347-2687).


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Hard Pull on personal credit?


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great find, OP.

add this to the QS:

linkage, no need for creditcards.com


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If you are applying as a sole proprietorship, my understanding from discussions with Discover CSR is that your maximum exposure (as a proxy for credit line) will be underwritten together with your personal card. So I was given a paltry line with the option to reallocate from personal to business. Since personal is 0% for life, I canceled the biz application.


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Nice find.......... BT fee is capped at $75.


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Does anybody know if you have to be a US citizen or permanent resident to be eligible for this card. Last time one of my friends applied for a discover card, and he got a call verifying if he is a US citizen. When he said he is not, then he was denied the card. Is this true for all discover cards? Thanks


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Venturion said:If you are applying as a sole proprietorship, my understanding from discussions with Discover CSR is that your maximum exposure (as a proxy for credit line) will be underwritten together with your personal card.

This seems to be true for corporations, too.


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Got my card today. Checked the paperwork and max. fee is $99 instead of $75 so waiting for them to straighten it out. It clearly states $75 on the website.


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Who do they pull and what kind of credit limits are people getting?


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Pissed I didn't see this before...

I have a 12 month offer, pulled from experian (I'm in NY), got a $10K limit (about normal for my credit cards), and consolidated all of my other Discover to this card.

Only problem is that they BT to a card only, so I've got to wait a little bit.

If you want 0% on purchases for 12 months and BT for 12, then get the card from discover's main link...but for the professionals, this one with just BT is better.


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How long did it take to get this card? I applied online over a week ago and have not even seen a pull yet. All of the others I applied to appeared in a day or two.


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I was declined by mail yesterday due to "insufficient time in business" or some wording like that. Apparently they did not like my 0 years / $0 entry. They never did a credit pull so no damage done.


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TheGersh said:Only problem is that they BT to a card only, so I've got to wait a little bit.

They BT'ed to my Visa Debit/ATM Card and the money went right into my bank account..


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purplebird said:Does anybody know if you have to be a US citizen or permanent resident to be eligible for this card. Last time one of my friends applied for a discover card, and he got a call verifying if he is a US citizen. When he said he is not, then he was denied the card. Is this true for all discover cards? Thanks

I am interested to hear the answer as well.
Thanks.


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Has anyone else had a problem with the terms for this offer?

Specifically, has anyone received the card with a T&C page that says 0% BT for 12 months instead of 18 months?


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yeah i got the card with the 12 months aswell.


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Got the card, but it took them about 2 weeks to approve it. The card's still in the mail though, so unable to verify if BT is for 18 or 12 month.


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