Home Blog

Discover No Harm Pre-Qualification – Get Started Today

Get pre-qualified with mo harm to your credit!

An Easy Guide Discover No Harm Pre-Qualification Process

  • Fill out a 1 page online form with basic financial information
  • DOUBLE CHECK to make sure the information you provide is accurate
  • There’s a box at the end of the form where you can sign up for communications
  • Once you’re done, submit the form for a “no hard to your credit” pre-qualification
  • The online form is located at www.discover.com/noharm

In addition to not harming your credit, you can pre-qualify with confidence knowing the form is secure.  In order to check out the security specs, privacy policy, or terms, simply click the links located at the bottom left hand side of the form.  Additionally, you can use the messaging app if you have questions about the process.


A Look at Discover

The company is publicly traded on the New York Stock Exchange under symbol DFS.

Worried about who’s gonna take your card?  Don’t worry, Discover is accepted at around 44 MILLION locations.

As of 2018 Discover held $90.5 BILLION in direct banking loans (that’s a lot of credit!).

The first Discover card purchase was made in Atlanta, GA in 1985 for $26.77.

By 1989, Discover signed up its One Millionth merchant (let’s hear a round of applause!).

In 1997 Morgan Stanley entered the picture in a massive merger of financial behemoths.

In 2011 Discover jumps into the college football bowl game sponsorship word by sponsoring the Orange Bowl (maybe because Discover’s trademark color is orange?).


Back to the Discover No Harm pre-qualification process.  If you think you may be short on income, you can add a second person’s income to the equation.  However, you must be at least 21 years old to this this.  Additionally, the person’s income must be available to you.

Finally, you can provide feedback on the Discover No Harm pre-qualification process.  In order to do so, just click the feedback button located at the side of the page.


Need to make a payment to Discover?  Here’s the address.

Discover Payments Address
  • P.O. Box 6103
  • Carol Stream, IL 60197-6103

More Credit Card Fun



Chase Increase My Line Personal Code – Enter to Begin

www.chase.com/increasemyline personal code
Is it time for an increase?

Chase Increase My Line (Personal Code Needed)

Want some more credit?  Well then, we’ve got news for you!

You can now request a credit increase from Chase online.

In order to begin your request, visit www.chase.com/increasemyline (personal code needed).

Next, enter your personal code in before clicking the Get Stared button to begin your request.

But what if I can’t find my Chase line increase personal code??

Here’s a hint:  It’s 10 digits in length

It’s a NUMERIC code (which means there won’t be any letter involved)

Did you receive a letter from Chase invited you to increase your line?  That’s where your personal code will be located. Did you throw the letter in the trash?  Consider rooting through the garbage until you find it because additional credit can sure come in handy (in other words, it’s worth it).

Consider These Popular Credit Cards from Chase

  • Southwest Rapid Rewards – If you fly often this card could be EXACTLY what you need!
  • Marriott Bonvoy Boundless – Another card that travelers everywhere are sure to love
  • Ink Business – This card is for business owners who love getting 1.5% CASH BACK
  • Chase Sapphire Preferred – 2% cash back when you travel or dine out

Yea, I think i’ll gonna request an increase.  But will Chase pull my credit??

Nope!  Chase makes the decision without digging around through your scores.

Additionally, there is ZERO fee associated with requesting or receiving your increase.

Questions?  Try browsing the FAQs posted to the Chase increase my line personal code entry page.

If that doesn’t help try calling Chase at 800-432-3117.

Business cardholder?  Then call 888-269-8690.

OR if you don’t like phone calls pen a letter and send it to:

  • Chase Card Member Services
  • P.O. Box 6294
  • Carol Stream, IL 60197-6294


Another Credit Card Entry



Bank of America Easy Rewards – Activate Your Offer Today

Ready to be rewarded?

How to Activate Your Bank of America Easy Rewards

  • All ya gotta do is punch in your registration code to begin
  • Registration codes are exclusive to the offer you received
  • Keep in mind the registration code IS NOT your account number
  • Just go to www.bankofamerica.com/easyrewards to get started
  • You should consider book-marking the page if you like rewards

Who out there likes to be rewarded?  Yea we thought so.  The good news is, rewards come EASY if you’re a Bank of America customer.  As an illustration of how how easy, let’s take a peek at Bank of America Easy Rewards registration.

The whole process of activating your offer can be completed online.

No need to make an annoying phone call or send anything in the mail.

You can activate your offer in a mere matter of seconds.

The offer page is available in both English and Spanish.

A Look at the Bank of America Easy Rewards Cards
  • Cash Rewards – A VERY popular card the dishes out 3% cash back on the category of your choosing
  • Travel Rewards – A card tailored for jet setters who also happen to like 1.5% cash back on all purchases
  • Premium Rewards – The card that gets you a whopping 2 points for every dollar spent on travel and dining

Finally, if you get stuck trying to activate your offer, here’s some advice:

First, don’t give up!  There’s probably an easy answer to the problem.

Double check to make sure you entered the correct registration code (it’s 16 digits so there’s a chance you missed one).

If all else fails, pick up the phone and call Bank of America for help at 800-732-9194.

Bank of America Easy Rewards Mailing Address
  • PO Box 53132
  • Phoenix, AZ 85027-3132
Additional Credit Card News



Walmart Capital One – Activate Your New Credit Card

Activate your card and begin shopping!

Walmart Capital One Card Activation Guide

  • You must activate your card BEFORE you can begin using it
  • New Capital One customer must sign up for an account
  • Legacy Capital One members can use their existing login
  • Account recovery help available at walmart.capitalone.com/activate

Low and behold, there’s a new credit card on the loose.  This one just so happens to involve one of the biggest retailers IN THE WORLD.  Walmart has given Synchonry the ole’ heave-ho and is now cozying up to Capital One.  Out of this union comes the new Walmart Capital One card.  However, before you can begin using your new card, you’ll first need to make sure it’s activated.  So without further ado, let’s see how this can be done.

First and foremost, sign up for a Capital One account!

Once you’re a Capital One Member you can proceed with activating your card.

Already a Capital One member?  You’re in luck!  Go straight to the card activation process.

Simply sign in with your Capital One username and password to activate your card.

Ummm…What if I forgot my login info?

(Sigh) It happens to the best of us.  But DON’T FRET!  It’s easy to reset your information.

First, click the Forgot username or password? link.

Next, provide the required information to verify your account.

Once you find your account you’ll be given instructions on how to regain access.

More Information About Walmart Capital One Card Activation
  • The process is available in both English and Spanish
  • Lost and confused?  Click the Contact Us link at the activation page
  • Into social media?  The activation page has links to Capital One Facebook, Twitter, Insta, etc.

If you have questions of feedback for Capital One you can try reaching out to its coprorate headquarters in McLean, Va.  Here’s the address:  1680 Capital One Drive, McLean, VA 22102-3491.

More retail card content….

Make Your Sears Card Payment!

Sears Card Pay Bill and Login – Sears Store Card Review and Outlook


searscard.com login

Sears Card Review

If you visit Sears more than a few times per week you will want to consider the Sears credit card.

If you already have the card you can visit www.searscard.com payment to pay down your account online.

Need to login to your account and print a statement? Visit SearsCard.com Login now (you will need to provide your user ID to gain account access).

If you don’t have the card and want to learn more about the card and check out some reviews please read on.

Sears Card Reviews

  • WalletHub.com: Readers over at this popular credit card blog rate the Sears Store credit card at 3.5 out of 5 stars (this is based on 377 reviews)
  • Is the Sears credit card right for you? (a great write up from our friends over at NerdWallet in regards to the Sears card)
  • Ashey Dull over at CardRates.com clocks the card in at 3.1 out of 5 stars

What the everyday folks are saying

There is a Sears right down the street from me, and it is one of the main places that I like to do business at. The best part about this card is that you can make purchases online, and they give you special discounts because of it. When Holiday time comes around, I usually do all of my shopping online, and Sears has this fast and efficient service all of the time. I like to buy major appliances from there, and when I do that, I get 5% off of my transaction. This might not seem like a lot, but in the end it actually does add up.” Nonyabusiness Miami, FL

A good but not great store card… will not be replacing my Chase Freedom for everyday purchases” – Charles Masioutti Cleveland, OH

Horrible Card really. No benefits and the interest rate is terribly high. The only plus is a low monthly payment, even when you’re balance is crazy high” Garett Somewhere in Texas

Other Options

  • My Best Buy Visa Card: Ideal for customers looking to max out Best Buy rewards
  • Amazon Rewards Visa Signature Card: Best for Amazon and Whole Foods rewards

Sears Card Customer Service

  • Card Services: 1-800-815-7701 24/7
  • Outside the U.S., Canada and Puerto Rico, Call Collect 1-800-437-3277
  • Payment address: Sears Consumer Payments P.O. Box 9001055 Louisville, KY 40290-1055