laila08 wrote:Congratz T2J !!! I had some luck back in december(got the open roads card) with not so hot fico scores too. I think high 600's. There is hope for us non 700 club members!!
Does Discover still do double cycle billing? If so, yuck :-P .... has kept me from apping to them in the past. It's a nasty practice if you keep a balance...Mostly, yes, they do. Some of their lower tier cards use average daily balance.
They don't do double-cycle billing on the Motiva, as it's set up specifically for those who want to carry balances. (That's what their entire rewards system is set up for. ) There's still double-cycle on the More, and I think on the others. Pretty clear indication to me that Discover encourages PIF'ing, or at least carrying comparatively low balances.
It's very useful to decide before app'ing if it will be a PIF card or a balance card.
USC08 wrote:i just got off the phone with a csr, they said they pull from all 3 CB's..any truth to this?