Suggestions please?

[Luscher]

Every time I go on Discover to push the CLI it tells me to call, and every time I call, I get a huge CLI. So, don't be afraid to call. I rarely use the card and they gave me a $5000 CLI (with a hp), but worth it IMO

[MoreRewards]

I got my Sallie Mae in Oct & it has 0% intro APR I don't usually carry a balance much though since I user it for regular e lenses for the 5% cash back

[BluePoodle]

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@Luscher wrote:
Every time I go on Discover to push the CLI it tells me to call, and every time I call, I get a huge CLI. So, don't be afraid to call. I rarely use the card and they gave me a $5000 CLI (with a hp), but worth it IMO

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Mine reads:

We're Sorry.

Your credit limit increase request cannot be processed at this time. For assistance, please call 1-800-DISCOVER

So I am not sure that is what you saw when you called in?

[BluePoodle]

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@Themanwhocan wrote:

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@BluePoodle wrote:

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@Themanwhocan wrote:

I don't think the SallieMae card has a 0% intro apr. They frequently offer a 0% balance transfer, but you still have to pay the balance transfer fee, usually either 3% or 4%.

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Yes, I believe you are correct. Thanks for pointing that out to me!

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Whups, I was wrong. They changed the Sallie Mae offer to have an introductory 12 month 0% APR

So my 6 month old Sallie Mae doesn't have it, and my new Sallie Mae does.

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Thanks for pointing that out. It does say in the terms and conditions link that it is 12 months at 0%

[Themanwhocan]

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@MoreRewards wrote:
I got my Sallie Mae in Oct & it has 0% intro APR I don't usually carry a balance much though since I user it for regular e lenses for the 5% cash back

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Ouch. I must have just missed that deal on my first Sallie Mae, since I got it on 9/21/13.

Que sera sera...

[Luscher]

BLUEPOODLE: That is what mine always says. Just call in!

[BluePoodle]

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@Luscher wrote:
BLUEPOODLE: That is what mine always says. Just call in!

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OK, I wasn't sure.  Thanks!  I am going to wait until my CLI from Cap1 and my next payments post. It will drop me to 20% util and I hope help with approval and higher limit. We'll see!

[Kenny]

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@Themanwhocan wrote:

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@MoreRewards wrote:
I got my Sallie Mae in Oct & it has 0% intro APR I don't usually carry a balance much though since I user it for regular e lenses for the 5% cash back

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Ouch. I must have just missed that deal on my first Sallie Mae, since I got it on 9/21/13.

Que sera sera...

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My SM has a year 0%, too. Maybe your 2nd one does and you don't even know it? lol

[Themanwhocan]

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@KennyRS wrote:

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@Themanwhocan wrote:

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@MoreRewards wrote:
I got my Sallie Mae in Oct & it has 0% intro APR I don't usually carry a balance much though since I user it for regular e lenses for the 5% cash back

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Ouch. I must have just missed that deal on my first Sallie Mae, since I got it on 9/21/13.

Que sera sera...

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My SM has a year 0%, too. Maybe your 2nd one does and you don't even know it? lol

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My second one does have a 0% for 12 months. I guess i'll use it to set a high limit, since the card came with a huge $10,000 limit., i wouldn't be able to set much of a high use percentage without the 0% offer. I'll just set it to auto pay the minimum, and wait 2-3 months before paying it off in full.