topic Re: How to have BT offer from Discover? in Credit Card Applications

How to have BT offer from Discover?

Janneman — Tue, 20 Jun 2023 18:49:48 GMT

I have Discover card for the last 4-5 years and never ever received any CLI despite of good spending for so long...The datapoint on this site and others have shown that BT would yield CLI...I do want to do BT for the purpose of CLI but I dont see any BT offer on my account....If I would do it without any offer then it would be 5% fees and APR (which I dont know how much)....Do you guys know what should I do to get some kinda BT offers?? Thanks

Re: How to have BT offer from Discover?

GZG — Tue, 20 Jun 2023 18:53:48 GMT

@Janneman wrote:
I have Discover card for the last 4-5 years and never ever received any CLI despite of good spending for so long...The datapoint on this site and others have shown that BT would yield CLI...I do want to do BT for the purpose of CLI but I dont see any BT offer on my account....If I would do it without any offer then it would be 5% fees and APR (which I dont know how much)....Do you guys know what should I do to get some kinda BT offers?? Thanks

ask for one?

I think people have reported just asking and getting a BT offer

Re: How to have BT offer from Discover?

Janneman — Tue, 20 Jun 2023 19:01:58 GMT

@GZG wrote:
@Janneman wrote:
I have Discover card for the last 4-5 years and never ever received any CLI despite of good spending for so long...The datapoint on this site and others have shown that BT would yield CLI...I do want to do BT for the purpose of CLI but I dont see any BT offer on my account....If I would do it without any offer then it would be 5% fees and APR (which I dont know how much)....Do you guys know what should I do to get some kinda BT offers?? Thanks
ask for one?

I think people have reported just asking and getting a BT offer

I just called them and asked, but their answer was- "Sorry, maybe in the future. Keep eyes on your account for it". I told the rep that its been 3 years since I got no offer, so how long more should I wait....She answered: Sorry, I dont know it".

Re: How to have BT offer from Discover?

CreditCuriosity — Tue, 20 Jun 2023 19:07:02 GMT

always have BT offers with them usually 5%, but sometimes they goto 2-3% and 4%.. Won't touch a 5% nor a 4%, but when they know you don't need it that is when they offer 2-3% ones.

Re: How to have BT offer from Discover?

Jnbmom — Tue, 20 Jun 2023 23:04:48 GMT

I just checked my account . Never got an email or BT in the mail, so never knew . I saw one offer good through 6/20/2023 5% fee umm yeah right

Re: How to have BT offer from Discover?

CreditCuriosity — Tue, 20 Jun 2023 23:47:16 GMT

@Jnbmom wrote:
I just checked my account . Never got an email or BT in the mail, so never knew . I saw one offer good through 6/20/2023 5% fee umm yeah right

and a whopping 10 months lol

Re: How to have BT offer from Discover?

Jnbmom — Tue, 20 Jun 2023 23:53:52 GMT

@CreditCuriosity wrote:
@Jnbmom wrote:
I just checked my account . Never got an email or BT in the mail, so never knew . I saw one offer good through 6/20/2023 5% fee umm yeah right

and a whopping 10 months lol

I know how generous 🙄

Re: How to have BT offer from Discover?

Mones — Tue, 20 Jun 2023 23:55:24 GMT

I hadn't gotten any until after my 12th statement. I asked over the phone for a CLI (which was declined) and I also asked since I didn't see any balance transfer offers for me and the CSR that I spoke with said that I would wait but she could somehow put into the system that I wanted one. A couple of days later, I saw two offers in the app. I wouldn't do either one. The only ones I would contemplate is <3% fees (I've seen some 0% fees for 12 months low interst) and that would just be to checking and then pay off the card.

Re: How to have BT offer from Discover?

SouthJamaica — Wed, 21 Jun 2023 02:07:46 GMT

@Janneman wrote:
I have Discover card for the last 4-5 years and never ever received any CLI despite of good spending for so long...The datapoint on this site and others have shown that BT would yield CLI...I do want to do BT for the purpose of CLI but I dont see any BT offer on my account....If I would do it without any offer then it would be 5% fees and APR (which I dont know how much)....Do you guys know what should I do to get some kinda BT offers?? Thanks

It's not true that balance transfers yield CLI's.

No one knows the key to Discover balance transfer offers just like no one knows the key to Discover CLI's.

Just periodically go to Card Services > Balance Transfers and see if there's something there. But don't think it's going to get you a CLI; it won't. Balance transfers are the only things I do with Discover, and I almost never get any CLI's.

Re: How to have BT offer from Discover?

CreditCuriosity — Wed, 21 Jun 2023 19:06:57 GMT

@SouthJamaica wrote:
@Janneman wrote:
I have Discover card for the last 4-5 years and never ever received any CLI despite of good spending for so long...The datapoint on this site and others have shown that BT would yield CLI...I do want to do BT for the purpose of CLI but I dont see any BT offer on my account....If I would do it without any offer then it would be 5% fees and APR (which I dont know how much)....Do you guys know what should I do to get some kinda BT offers?? Thanks
It's not true that balance transfers yield CLI's.

No one knows the key to Discover balance transfer offers just like no one knows the key to Discover CLI's.

Just periodically go to Card Services > Balance Transfers and see if there's something there. But don't think it's going to get you a CLI; it won't. Balance transfers are the only things I do with Discover, and I almost never get any CLI's.

^This

Used a BT not cause I needed to with Discover a few times to try to prompt a CLI, but nope stuck at 20k. Given 20k is good enough, but on lower end of my card limits. Won't use a discover BT unless 2-3%.. Never 4-5% fee in my life. They use to be great for BTs, not anymore for most

Re: How to have BT offer from Discover?

Janneman — Wed, 21 Jun 2023 22:21:30 GMT

I understand that some people were able to get BT offers by calling customer service, and some people always have BT offers on their account. However, my experiences have been different. I had Discover card for 9 years wherein I always used to get BT offers. Now this current Discover that I have for the last 4-5 years, I never got any BT offers except when the account was opened which was 4-5 years ago. So, its been a very long time for BT to come in my account...I have also called them just yesterday and I am told that I have to just keep looking in the future for any BT offer....

Now, I am VERY shocked and surprised when some of you guys are saying that they never got any CLI based on BT...Every single person I know who did BT with Discover, always have received CLI...This forum is full of those datapoints...And its also reported on many sites out there....

Re: How to have BT offer from Discover?

NoMoreE46 — Thu, 22 Jun 2023 00:48:23 GMT

I don't know if the BT alone enables a CLI.

I think the other factor is how much/quickly the BT balance is paid down for Discover.

For instance, take a $12,000 BT at 12 months (excluding BT fee amount for simplicity.)

Which Scenario is more likely to be offered a CLI?

Scenario A: One pays $1,000 monthly for 12 months.

Scenario B: One pays the minimum (~ $360) for 11 months but pays off the entire BT balance at the 12th.

Re: How to have BT offer from Discover?

SUPERSQUID — Thu, 22 Jun 2023 07:45:44 GMT

@Janneman wrote:
I understand that some people were able to get BT offers by calling customer service, and some people always have BT offers on their account. However, my experiences have been different. I had Discover card for 9 years wherein I always used to get BT offers. Now this current Discover that I have for the last 4-5 years, I never got any BT offers except when the account was opened which was 4-5 years ago. So, its been a very long time for BT to come in my account...I have also called them just yesterday and I am told that I have to just keep looking in the future for any BT offer....

Now, I am VERY shocked and surprised when some of you guys are saying that they never got any CLI based on BT...Every single person I know who did BT with Discover, always have received CLI...This forum is full of those datapoints...And its also reported on many sites out there....

In my case I started out with an IT cb card with a 3k sl. I took a bt offer and after I paid it off I got 3 cli's in the following 3 months to 6500 and a second IT cb card with a 6k sl and multiple bt offers on both cards, my accounts were lighting up like pinball machines

Re: How to have BT offer from Discover?

CreditCuriosity — Thu, 22 Jun 2023 14:34:29 GMT

@SUPERSQUID wrote:
@Janneman wrote:
I understand that some people were able to get BT offers by calling customer service, and some people always have BT offers on their account. However, my experiences have been different. I had Discover card for 9 years wherein I always used to get BT offers. Now this current Discover that I have for the last 4-5 years, I never got any BT offers except when the account was opened which was 4-5 years ago. So, its been a very long time for BT to come in my account...I have also called them just yesterday and I am told that I have to just keep looking in the future for any BT offer....

Now, I am VERY shocked and surprised when some of you guys are saying that they never got any CLI based on BT...Every single person I know who did BT with Discover, always have received CLI...This forum is full of those datapoints...And its also reported on many sites out there....
In my case I started out with an IT cb card with a 3k sl. I took a bt offer and after I paid it off I got 3 cli's in the following 3 months to 6500 and a second IT cb card with a 6k sl and multiple bt offers on both cards, my accounts were lighting up like pinball machines

depends on profile as well .. when Discover was added as card was it added when only a few cards or after you have say 300k in credit available and a built up profile. If earlier likely to get more/better growth if thick profile with say a lot of credit likely not to get near as many as they know they likely are one of many cards to possibly be used and money can be better allocated otherplaces or people