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  1. Hi there, everyone! I just opened my E-mail and I see this: To whom it may concern, It has come to our attention that you or someone in your household may have recently been delinquent, past due or simply made a late payment on 1 or more of your bills in the past six (6) months. If this information is true, please do not hesitate to apply for your priority UNSECURED Continental Finance Cerulean Discover®credit card NOW. To Apply Now...click here!!! Upon final approval, your unsecured Continental Finance Cerulean Discover® credit card, can provide you with access to SPENDING POWER with the following benefits: •Safe and secure online shopping •Rental car services and hotel reservations •Use your card at locations everywhere Discover® is accepted •Make low monthly payments on all your purchases This program has been designed specifically for those with special financial needs. We are currently reviewing applications REGARDLESS OF YOUR PAST CREDIT HISTORY! Then, at the bottom, this: * Obtaining Your Card: The USA PATRIOT Act is a federal law that requires all financial institutions to obtain, verify and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth and other information that will allow us to reasonably identify you. We may also ask to see your driver's license or other identifying documents at any time. Discover® and the Discover acceptance mark are service marks used by Continental Finance Company, LLC under license from Discover Financial Services. This card is issued by Services Credit Union and serviced by Continental Finance Company. This email was sent by a third party on behalf of Continental Finance. Continental Finance does not have your email address. To stop receiving emails for this offer only please visit this link. If you have any questions in regards to this offer or wish to not receive offers from the following company, please contact them at this address: Advertising Dept., 2 Wisconsin Circle, Suite 700 Chevy Chase, MD 20815 Attn: Customer Care. You are receiving this email due to your registration at a third party on Thursday, March 07,2013 with the following email address: jcorbi82@aol.com. To be removed from this mailing list, please contact us here or write to us at: Email List Unsubscribe 114 N. Egan Ave Madison, SD 57042. Then, when I click on a link, it takes me to: https://www.theceruleancard.com/orange/?sid=2164&hid=660697591&cd=301675&c1=15293&c2=26Z4O2&c3=&chk=1&allowns=1&knt=1&ver=3#back It really does appear to be for an unsecured card........ What should I make of this? Thank you!
  2. Hi folks! So I had enrolled in a debt settlement program with Freedom Debt Relief. After just a few days being late on my payment I got a call from Discover asking if I could make my payment. I explained that I was working with Freedom Debt Relief, and the Discover rep then advised that they don't work with Freedom Debt Relief, and continued to request a payment from me. At that time, I refused to make a payment and we ended the conversation. At just over 30 days past-due on the account it was sent to Zwicker & Associates (a law firm) for collection. I called Discover and they were no longer willing to work with me, and advised that my account was sent to Zwicker because I mentioned that I was working with FDR-- not because of the fact that I was late on my payments. I would think that regardless of what I said were my intentions, they would allow 60 - 90 days past-due before deciding I was definitely not going to send a payment and then send the account to Zwicker. Anyhow, after speaking with Zwicker 2 weeks ago, they wanted outrageous monthly payments ($1,000+ per month) on my $7,300 or so balance until it was paid off. I couldn't afford that so I told them I couldn't commit to anything just yet. I've received a few calls and voicemails from them since then, and I called them back today. They offered to settle at $5,853.00 (I'm sure 20% of my total balance, but I don't have my total balance to confirm this). I then asked how that might affect my credit report and the Zwicker rep advised that Zwicker does not report to the credit bureaus, only Discover does, and that there's a chance that Discover may enter the settlement as a charge-off/not paid in full. I can pay the $5,853 right now, but cannot afford to pay the full balance just yet. My biggest concern is being able to get a mortgage loan soon. Should I just give them maybe $5,000 for now, and do monthly payments on the balance until I can pay it off in full? This may take 6-8 months to pay off if I drop $5k on the balance right now. Will settling for the lesser amount be a good idea if I plan on getting an FHA loan at the end of this year, if possible? Or am I much better off just doing what I can to pay the full balance and avoid the negative reporting to the CRA's? For those that don't know, Zwicker & Associates is a sue-happy law-firm that is known for settling at no less than 80% of the balance owed. They're not a regular collection agency, so negotiating a bigger savings is nearly impossible with these guys from what I've read. Thanks for any input you all can give!!!
  3. Currently, I have a Discover More card. I keep seeing ads for the "It" card. What are the differences, and, would Discover do a PC to it?
  4. I've got a Discover card and also a Chase Freedom. Both have the "rotating" 5% cashback categories, which I am only just maximizing most efficiently recently. I've never really used Discover's "Shop Discover" where you can earn 5 - 10%, and Chase's Ultimate Rewards Mall, which is similar. You basically visit the Discover/Chase site first, then their "mall" that then links you to the merchant, giving you extra cashback. Who has tried them? Do they ever fail to properly credit the points/cash?? The one thing I've noticed is that a lot of the retailers that I'd buy from, I already have that store's own card, that sometimes offers better benefits - Kohl's comes to mind with their 30% off offers. Others, however, look interesting.
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