Discover It Secured Credit Card

Okay so you're researching the discover it secured credit card Duane here with how to build credit TV and in this video I'm gonna talk about two things that you might not know about the discover it secured credit card but before we get started I have a quick message

Once again my name is Duane with how to build credit TV This channel offers 100% free information about how to build credit, how to get cash back actual cash money from using credit cards, as well as credit card reviews We also talk about everything you 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 it is comprised so you can increase your credit score If this sounds like something in which you're interested be sure to subscribe to our channel and click the notification bells so you don't miss a thing

As a matter of fact subscribing to our channel right now will help us get to 1,000 subscribers faster so that we can actually monetize this channel which will make it a lot easier for us to continue to upload videos just like this one So if you're new here consider subscribing Okay so if you're researching the discover it secured credit card chances are you probably know the big bullet points In this video I'm gonna talk about hopefully two things that you may not know about the discover it secured credit card I'm sure that you probably know that Discover actually offers the ability to earn cash back and it's 2% on gas and dining and 1% on everything else

In addition to that you actually discover actually matches your cash back earned in your first year of membership So you're able to earn cash back for the life of the credit card but in your first year as a member of Discover card Discover card actually have what they call cashback match and they absolutely match the amount of cash back that you earned in your first year So for example if you've earned $200 in your first year Discover will actually give you another two hundred dollars to match the cashback that you've earned So that's actually a pretty good deal Discover Card is the only credit card out there right now that's offering this deal and more importantly it is a secured credit card The discover it secured credit card is also offering this as an incentive to get people to join discover which I personally have to discover it secured card and I absolutely love it

As a matter of fact I'm a little over $400 right now in cash back earned and I think I'm on month number 9 so hopefully we'll get to get to be over $500 and discover will match $500 I'll make videos showing you guys just that Okay so this brings me to my first thing that you may not know about Discover Card So the discover it secured card when I first got started like I said it's 2% on gas and dining and 1% on everything else at the time that I got my card it was I think I saw some commercials on TV about discover card and getting 5% cash back and so long story short I made a lot of purchases with Amazon Target thinking that I was earning 5% cash back So I called Discover Card because I was a nerd and I want to make sure that I was absolutely getting the 5% cash back and it turned out that I was not

So this is what you may not know about the discover it secured card If you call them up and you want to transfer from the current cash back program that you have which is the 2% on gas and dining and 1% of everything else if you want to transfer from that to the 5% on certain categories you can actually do that and they will actually let you do that So that's one thing that you may not know about the discover it secured credit card so if you're interested in that then I would encourage you to give them a call The thing about the categories is a lot of people feel like it's too much to keep up with but in reality you're absolutely getting more money back if you like for example are spending money on gas a lot of us have to buy gas because we have to go to work or pick up our kids or whatever we need gas right If you're spending money on food so there'll be gas in the in the certain categories food is in the certain categories certain stores are in categories

As a matter of fact the second quarter of 2018 right now I know grocery stores is what the category is and so if you're a human being chances are you're buying groceries and you would get 5% back on that If you had the regular plan you would absolutely be getting 2% on gas and 2% on dining so you would even get 5% on groceries we get 1% on groceries so it may be something that you take into consideration and think about doing going from the 2 percent and 1 percent to 5 percent on certain categories and 1 percent on everything else In addition to getting the 5 percent on certain categories here's something that you may not know Discover has this thing called discover deals you can access it by using the app you can access it by logging in to their website online and you can click on rewards and underneath rewards you'll see discover deals Discover deals is a way to actually get more cash back outside of the quarterly categories

For example with me you can buy stuff I bought a TV with Walmart I bought it through the discover deals online and all I did was I went to the website and then I clicked on discover deals and discover took me from the discover site to Walmart and the prices are going to be the same there is no price difference if you go through discover card but you do get the 5 percent cashback there's also five percent cashback with Nike there's five percent cashback with Apple I know I'm gonna be taking advantage of that when I decide to get a new phone because my phone is in bad shape as you can see right here well maybe you can't see I'm not sure but my phone is in bad shape the screen is pretty jacked up but I'm just gonna wait until they release a new phone So when I do though I'm gonna get go ahead and get my phone through discover deals and I'll just go then discover the discover website click on discover deals and then you'll bring me to the Apple website and I'll purchase my phone that way That is another way that you can make 5% cash back on your purchases with using the discover it secured credit card So if I were you and you're considering getting this card definitely get the card but also consider switching to the 5% cash back on certain categories and maximize it by using the discover deals Ok that concludes the two things that I think that you probably did not know about the discover it secured credit card

Once again our channel is all about everything you need to know regarding credit whether you're looking to establish credit, build credit, rebuild credit or learn more about the FICO score and how its comprised so you can increase your credit score We also talked about cash back and how to get cash back using credit cards and we also do credit card reviews So if this sounds like something that you're interested in be sure to subscribe to our channel Thank you so much for watching this video if you have any questions leave them in the comment below If you like this video give me a thumbs up please and until next time take care and be blessed

Peace!