Home > > Discover More(SM) Card - American Flag

Discover More(SM) Card - American Flag

0% Intro APR*
More ways to earn more cash - than anyone else.SM*
5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
Up to 1% Cashback Bonus on all other purchases automatically
Unlimited cash rewards
Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus Partners
Complete fraud protection for your peace of mind
$0 fraud liability guarantee
Advanced fraud early warning alerts
Fraud specialists dedicated to helping you 24/7
Customer service that puts you first
One call and we take care of it
Talk to a knowledgeable person in less than a minute
Easy online account options that put you in control
Timely e-mail reminders to help you avoid fees
No annual fee
Formerly Discover Platinum Card
American Flag Card Design
*View Discover® Card Rates, Fees, Rewards and Other Important Information.

More ways to enjoy more cash than anyone else.SM*
Enjoy a 0% Introductory APR* and get 5% Cashback Bonus® in popular categories like travel, home, gas, restaurants, movies and more and up to 1% Cashback Bonus on all other purchases.
For your peace of mind you'll have a $0 fraud liability guarantee. This card also offers the easy online Account options that put you in control and you'll pay no annual fee.
You also can Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus Partners.
*View Discover® Card Rates, Fees, Rewards and Other Important Information.
2

DID YOU KNOW?

	If you are a loan officer or a mortgage broker looking for a good lead source, one of the first things you will want to do when considering a mortgage lead company is find out how they go about generating their leads. How a mortgage lead company generates their leads is very important because it has a lot to do with the quality of the leads you will be receiving. If a lead company is buying their leads from another source, than what they are doing is recycling leads. And who knows how many times that third party company has sold the leads to other companies. Your chances of closing a loan on a lead that has gone through the hands of fifteen other loan officers before it reached your desk are slim to none. So steer clear of recycled leads. Some lead companies have one data base with thousands of leads that they continue to sell over and over again. They will sell them cheap, but most times you are required to buy in bulk. These leads are usually six months to a year old and sometimes more. This is also known as recycling. An even better way to describe this is “selling junk.” Look for the lead companies that obtain their leads from web sites that they own and operate them selves. These types of companies receive fresh leads on a daily basis and will sell them in “real time.” So, by the time you receive the lead, it is only a few seconds old. The best way for you to determine where a mortgage lead company generates their leads is to call and speak with someone in customer service. Ask them the direct question, “how do you obtain your leads?” If you are not satisfied with the answer they give you, than chances are, you will not be happy with the leads they send you.

Support functions like training often are the first to feel the impact of difficult times. Ironically, the crunch comes at a time when many businesses may benefit from their services.

Let me be clear at the outset, during lean times especially, employees should be focused on business activities that directly impact sales, service, generating revenue activities. Many training-related efforts that don’t directly support these activities SHOULD be curtailed or eliminated (in fact, a strong case can be made to eliminate these efforts in GOOD times as well!)

In lean times, training professionals should immediately call out their business-based performance consulting techniques. Roll up your sleeves and let’s get dirty!

As a performance consultant, you become a critical link between the employee and management. By talking to and observing both, you will be able to identify things impacting performance. These usually are:

• Clear expectations, feedback against those expectations — Defines what the work is.

• Resources, tools, information, or access when needed — Things needed to do the work.

• Work design — How the work is performed.

• Recognition, motivation, self confidence — Things that make people want to do the work including rewards and punishments.

• Skills and knowledge — Knowledge refers to the application of information: do people know what to do with the information they have? Skills refer to specific behaviors that require demonstration and feedback to perfect.

When addressing performance needs, the simplest solution is often the best solution – and most often the quickest and least expensive solution. Let’s look at some quick and dirty solutions that – while not the optimal solution – may suffice in these lean times.

• Send a memo to explain something; include what, when, where, who, and why.

• Hold a short meeting; provide an agenda ahead of time.

• Work one-on-one with an employee.

• Have one employee mentor another.

• Write a procedure; include specific steps and the results of each step.

• Conduct a teleconference; provide an agenda and materials in advance.

• Share tips and techniques in a newsletter format that can be read as needed by employees.

• Conduct training during non-business hours or during off-peak hours.

• Focus all training; cover only essential elements and ensure that specific outcomes are achieved.