youngandcreditwrthy wrote:
What's your aaoa? Util?
You should prob wait six months.
Meh Citi always denied me too. Simplicity looks faaaantastic, but they seem like bas---rds. LOL
AAoA is currently at 6 months due to a recent app spree...LOL. My util is around...52%...20%, 5% and 1% lol. yes I have a balance on 4 cards but no interest. Paying off two furniture purchases and regular monthly debt on the other two. About to pay off 2 credit cards when the balance posts 
maiden_girl wrote:
LS2982 wrote:
CONGRATS!!!
What's the difference between motiva and more?MOTIVA automatically signs you up for cashback rewards. And you get it for ALL purchases...vs Discover More where you have to sign up for each quarter and cashback is only valid for selected catagories for that quarter. I should've apped for MOTIVA. LOL
No, Discover More also gives you cashback on all purchases. They both have the same reward structure in that you get 0.25% cash back on your first $3,000 of purchases and all Walmart purchases, and up to 1% back after that. The only real difference is that More gives you 5% cashback on rotating categories, while Motiva gives you 5% cash back on interest when you pay your bill on time.
Motiva is only appealing if you're planning to pay interest often.
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