So my boyfriend got a Discover card a little less than a year ago (will be a full year May 18th), which was a counteroffer for the card he originally applied for (not sure exactly what it was, could have been the More). Also not sure of the terms, but considering it was his first real credit card after having only a car loan and student loan report, him and I were both thrilled at the prospect of building his credit. They gave him a $1250 limit to start.
Unfortunately, he did use the card for some moderately big ticket items for his collection, and he makes the monthly minimum payments each month...and sometimes uses the card for going out to eat and such. So his balance is usually anywhere between $700-$900 every month, obviously lower when he's not charging additional purchases to the card. Though i can't remember the exact timing, he's gone from $1250-->$1500-->$1900 to just recently today $3000! That's over 2x increase within a year! Without even asking!
Discover sure likes people who revolve balances 
That's awesome! I sure hope you're right since I will most definitely be carrying a balance for the next year on mine - just did a BT. Congrats to your bf!
I guess I need to start carrying a balance!!!
*8/10/13
@daybreakgonesXe wrote:So my boyfriend got a Discover card a little less than a year ago (will be a full year May 18th), which was a counteroffer for the card he originally applied for (not sure exactly what it was, could have been the More). Also not sure of the terms, but considering it was his first real credit card after having only a car loan and student loan report, him and I were both thrilled at the prospect of building his credit. They gave him a $1250 limit to start.
Unfortunately, he did use the card for some moderately big ticket items for his collection, and he makes the monthly minimum payments each month...and sometimes uses the card for going out to eat and such. So his balance is usually anywhere between $700-$900 every month, obviously lower when he's not charging additional purchases to the card. Though i can't remember the exact timing, he's gone from $1250-->$1500-->$1900 to just recently today $3000! That's over 2x increase within a year! Without even asking!
Discover sure likes people who revolve balances
@daybreakgonesXe wrote:So my boyfriend got a Discover card a little less than a year ago (will be a full year May 18th), which was a counteroffer for the card he originally applied for (not sure exactly what it was, could have been the More). Also not sure of the terms, but considering it was his first real credit card after having only a car loan and student loan report, him and I were both thrilled at the prospect of building his credit. They gave him a $1250 limit to start.
Unfortunately, he did use the card for some moderately big ticket items for his collection, and he makes the monthly minimum payments each month...and sometimes uses the card for going out to eat and such. So his balance is usually anywhere between $700-$900 every month, obviously lower when he's not charging additional purchases to the card. Though i can't remember the exact timing, he's gone from $1250-->$1500-->$1900 to just recently today $3000! That's over 2x increase within a year! Without even asking!
Discover sure likes people who revolve balances
I bet they do like that....tell the BF to let you manage his credit we know you will get his debt in check and get him some nice cards to boot..lol
cheers
@myjourney wrote:
@daybreakgonesXe wrote:So my boyfriend got a Discover card a little less than a year ago (will be a full year May 18th), which was a counteroffer for the card he originally applied for (not sure exactly what it was, could have been the More). Also not sure of the terms, but considering it was his first real credit card after having only a car loan and student loan report, him and I were both thrilled at the prospect of building his credit. They gave him a $1250 limit to start.
Unfortunately, he did use the card for some moderately big ticket items for his collection, and he makes the monthly minimum payments each month...and sometimes uses the card for going out to eat and such. So his balance is usually anywhere between $700-$900 every month, obviously lower when he's not charging additional purchases to the card. Though i can't remember the exact timing, he's gone from $1250-->$1500-->$1900 to just recently today $3000! That's over 2x increase within a year! Without even asking!
Discover sure likes people who revolve balances
@daybreakgonesXe wrote:So my boyfriend got a Discover card a little less than a year ago (will be a full year May 18th), which was a counteroffer for the card he originally applied for (not sure exactly what it was, could have been the More). Also not sure of the terms, but considering it was his first real credit card after having only a car loan and student loan report, him and I were both thrilled at the prospect of building his credit. They gave him a $1250 limit to start.
Unfortunately, he did use the card for some moderately big ticket items for his collection, and he makes the monthly minimum payments each month...and sometimes uses the card for going out to eat and such. So his balance is usually anywhere between $700-$900 every month, obviously lower when he's not charging additional purchases to the card. Though i can't remember the exact timing, he's gone from $1250-->$1500-->$1900 to just recently today $3000! That's over 2x increase within a year! Without even asking!
Discover sure likes people who revolve balances
I bet they do like that....tell the BF to let you manage his credit we know you will get his debt in check and get him some nice cards to boot..lol
cheers
He's actually planning on paying off completely, or simply a very good chunk, of his Discover card soon 
so with the boost in CL and the pay down, I MAY have him consider another card...(aka have him consider cards that I would like )
Gonna have him look at the Priceline Visa...would love for him to have the Fidelty AMEX, but doubt he's willing to open up another banking account (he just opened up a savings and started making monthly transfers, so I'm doubly proud that he's putting in the effort to save!), Upromise or Sallie Mae card, Citi Dividend, or BCE. Maybe Discover IT but he could always convert his current card one day to it, so that's last of all the considerations.
Okay, so that's a lot of options. But they're essentially in order of desire, and of course the boyfriend gets the final decision for it will be his card
@daybreakgonesXe wrote:
@myjourney wrote:
@daybreakgonesXe wrote:So my boyfriend got a Discover card a little less than a year ago (will be a full year May 18th), which was a counteroffer for the card he originally applied for (not sure exactly what it was, could have been the More). Also not sure of the terms, but considering it was his first real credit card after having only a car loan and student loan report, him and I were both thrilled at the prospect of building his credit. They gave him a $1250 limit to start.
Unfortunately, he did use the card for some moderately big ticket items for his collection, and he makes the monthly minimum payments each month...and sometimes uses the card for going out to eat and such. So his balance is usually anywhere between $700-$900 every month, obviously lower when he's not charging additional purchases to the card. Though i can't remember the exact timing, he's gone from $1250-->$1500-->$1900 to just recently today $3000! That's over 2x increase within a year! Without even asking!
Discover sure likes people who revolve balances
@daybreakgonesXe wrote:So my boyfriend got a Discover card a little less than a year ago (will be a full year May 18th), which was a counteroffer for the card he originally applied for (not sure exactly what it was, could have been the More). Also not sure of the terms, but considering it was his first real credit card after having only a car loan and student loan report, him and I were both thrilled at the prospect of building his credit. They gave him a $1250 limit to start.
Unfortunately, he did use the card for some moderately big ticket items for his collection, and he makes the monthly minimum payments each month...and sometimes uses the card for going out to eat and such. So his balance is usually anywhere between $700-$900 every month, obviously lower when he's not charging additional purchases to the card. Though i can't remember the exact timing, he's gone from $1250-->$1500-->$1900 to just recently today $3000! That's over 2x increase within a year! Without even asking!
Discover sure likes people who revolve balances
I bet they do like that....tell the BF to let you manage his credit we know you will get his debt in check and get him some nice cards to boot..lol
cheers
He's actually planning on paying off completely, or simply a very good chunk, of his Discover card soon
Gonna have him look at the Priceline Visa...would love for him to have the Fidelty AMEX, but doubt he's willing to open up another banking account (he just opened up a savings and started making monthly transfers, so I'm doubly proud that he's putting in the effort to save!), Upromise or Sallie Mae card, Citi Dividend, or BCE. Maybe Discover IT but he could always convert his current card one day to it, so that's last of all the considerations.
Okay, so that's a lot of options. But they're essentially in order of desire, and of course the boyfriend gets the final decision for it will be his card
Sure...... the suggestive powers of a woman Lol
@myjourney wrote:
@daybreakgonesXe wrote:
@myjourney wrote:
@daybreakgonesXe wrote:So my boyfriend got a Discover card a little less than a year ago (will be a full year May 18th), which was a counteroffer for the card he originally applied for (not sure exactly what it was, could have been the More). Also not sure of the terms, but considering it was his first real credit card after having only a car loan and student loan report, him and I were both thrilled at the prospect of building his credit. They gave him a $1250 limit to start.
Unfortunately, he did use the card for some moderately big ticket items for his collection, and he makes the monthly minimum payments each month...and sometimes uses the card for going out to eat and such. So his balance is usually anywhere between $700-$900 every month, obviously lower when he's not charging additional purchases to the card. Though i can't remember the exact timing, he's gone from $1250-->$1500-->$1900 to just recently today $3000! That's over 2x increase within a year! Without even asking!
Discover sure likes people who revolve balances
@daybreakgonesXe wrote:So my boyfriend got a Discover card a little less than a year ago (will be a full year May 18th), which was a counteroffer for the card he originally applied for (not sure exactly what it was, could have been the More). Also not sure of the terms, but considering it was his first real credit card after having only a car loan and student loan report, him and I were both thrilled at the prospect of building his credit. They gave him a $1250 limit to start.
Unfortunately, he did use the card for some moderately big ticket items for his collection, and he makes the monthly minimum payments each month...and sometimes uses the card for going out to eat and such. So his balance is usually anywhere between $700-$900 every month, obviously lower when he's not charging additional purchases to the card. Though i can't remember the exact timing, he's gone from $1250-->$1500-->$1900 to just recently today $3000! That's over 2x increase within a year! Without even asking!
Discover sure likes people who revolve balances
I bet they do like that....tell the BF to let you manage his credit we know you will get his debt in check and get him some nice cards to boot..lol
cheers
He's actually planning on paying off completely, or simply a very good chunk, of his Discover card soon
Gonna have him look at the Priceline Visa...would love for him to have the Fidelty AMEX, but doubt he's willing to open up another banking account (he just opened up a savings and started making monthly transfers, so I'm doubly proud that he's putting in the effort to save!), Upromise or Sallie Mae card, Citi Dividend, or BCE. Maybe Discover IT but he could always convert his current card one day to it, so that's last of all the considerations.
Okay, so that's a lot of options. But they're essentially in order of desire, and of course the boyfriend gets the final decision for it will be his card
Sure...... the suggestive powers of a woman Lol
Ahahaha! Can't help it! But hey, a good portion of his spending is on me, so why not help him earn the maximum rewards in the meantime? XD
congrats, and yes, same on my chase freedom. second auto cli i was carrying a balance of 50% util for the first time. 0% interest anyways so why not .
@daybreakgonesXe wrote:So my boyfriend got a Discover card a little less than a year ago (will be a full year May 18th), which was a counteroffer for the card he originally applied for (not sure exactly what it was, could have been the More). Also not sure of the terms, but considering it was his first real credit card after having only a car loan and student loan report, him and I were both thrilled at the prospect of building his credit. They gave him a $1250 limit to start.
Unfortunately, he did use the card for some moderately big ticket items for his collection, and he makes the monthly minimum payments each month...and sometimes uses the card for going out to eat and such. So his balance is usually anywhere between $700-$900 every month, obviously lower when he's not charging additional purchases to the card. Though i can't remember the exact timing, he's gone from $1250-->$1500-->$1900 to just recently today $3000! That's over 2x increase within a year! Without even asking!
Discover sure likes people who revolve balances
That's great...but I would not advocate carrying balances on a card if it is not necessary, or just in the off chance that they will give you a CLI. I never carry any balances, so if that means I will not get a CLI, then so be it. I will of course request one...
