topic Re: DISCOVER COMBINED LIMITS... SUCCESS!! in Credit Cards

DISCOVER COMBINED LIMITS... SUCCESS!!

pizza1 — Tue, 14 Nov 2017 16:31:12 GMT

Today was the day, finally!! I have 2 cards..."it" $7.3k and "miles" $4.5k. My it card is almost 3 years old, and miles just turned 1 yr on October 31st. Was told in the past my Miles card had to be one year old first, and I needed to have a CLI "available" on one of the cards in order to combine.

Currently have a balance on my it (let report for November statement), and 0 balance on Miles with November statement. Checked for CLI on both cards, none availble on Miles, but it had a $300 CLI! I DID NOT ACCEPT IT! I called the BD# for CLI, told them I wanted to move limits, and what I was wanting to do. Was transferred to someone else, and he put me on hold a few times, and finally came back on and said he was able to do it. . SUCCESS!!!

So, he moved my entire Miles limit $4.5k, over to my it card, closed miles and sent me a check for the miles I had built up, PLUS gave me the $300 CLI I had available on it card!! So, now have one Discover card with a $12.1k CL. Happy camper!!

Re: DISCOVER COMBINED LIMITS... SUCCESS!!

Adkins — Tue, 14 Nov 2017 16:34:24 GMT

Nice! Congratulations!

Re: DISCOVER COMBINED LIMITS... SUCCESS!!

coldnmn — Tue, 14 Nov 2017 16:35:11 GMT

Congrats Pizza!

Re: DISCOVER COMBINED LIMITS... SUCCESS!!

MissMoni223 — Tue, 14 Nov 2017 17:32:12 GMT

CONGRATS, very NICE!!!

Re: DISCOVER COMBINED LIMITS... SUCCESS!!

K-in-Boston — Tue, 14 Nov 2017 17:40:54 GMT

Congrats! That is awesome and your details of how you got it accomplished are very helpful. Don't tempt me out of the garden, though! My card's been growing too slowly for my liking and I'm currently prequalified with a single APR for a (2nd) it, it Chrome, and it Miles card. Somehow I just know that a 2nd card would either have a gargantuan limit or a toy limit, but probably nothing in between. LOL

Re: DISCOVER COMBINED LIMITS... SUCCESS!!

mongstradamus — Tue, 14 Nov 2017 17:40:57 GMT

Congrats pizza lady, Discover can be a weird one when it comes to those CLI, it took me a year and half to get my first one.

Re: DISCOVER COMBINED LIMITS... SUCCESS!!

Anonymous — Tue, 14 Nov 2017 17:44:18 GMT

Very cool. What made you decide to get rid of the Miles vs the It? I'm not familiar with the Miles card, so I'm assuming the 5% rotating categories on the It simply suit your spend better?

Re: DISCOVER COMBINED LIMITS... SUCCESS!!

Anonymous — Tue, 14 Nov 2017 17:48:11 GMT

Grat's on your combining! Glad you shared your experience as I did not know Discover would do combinations. Great news.

Re: DISCOVER COMBINED LIMITS... SUCCESS!!

pizza1 — Tue, 14 Nov 2017 17:52:39 GMT

@Anonymous wrote:
Very cool. What made you decide to get rid of the Miles vs the It? I'm not familiar with the Miles card, so I'm assuming the 5% rotating categories on the It simply suit your spend better?

The miles was the one that had the zero balance at the time, LOL..If the it card had a zero, I would have closed that one. In all seriousness now, I have a "travel" card already, Venture, and several other rewards cards. The 2nd Discover card was just a challenge for me to get in the first place, and then the 2nd challenge was the combo It all worked out though, since my it card will be 3yrs in February, made more sense to keep my oldest open.

Re: DISCOVER COMBINED LIMITS... SUCCESS!!

Anonymous — Tue, 14 Nov 2017 19:47:32 GMT

BBS: The miles is almost useless after the first year (a flat 1.5% card) so if you close one, that's the one to close.

Re: DISCOVER COMBINED LIMITS... SUCCESS!!

Anonymous — Tue, 14 Nov 2017 20:55:51 GMT

Gotcha. Interesting that both Discover cards, the IT and MILES both lose a lot of their luster after the first year.

Obviously, there's a big benefit and drawback to the way Discover offers their "bonus" which is a better program for Year 1 verses all the other years. They get 1 year of loyalty out of a customer as opposed to possibly only 3 months for the other more common "spend X in 3 months" SUB programs, but since the "spend X in 3 months" cards don't get worse generally speaking after Year 1 is up the chances of someone using them long term is greater. I'm not sure which is better honestly.

Re: DISCOVER COMBINED LIMITS... SUCCESS!!

SomewhereIn505 — Tue, 14 Nov 2017 22:02:24 GMT

Congrats @Pizza1!

Re: DISCOVER COMBINED LIMITS... SUCCESS!!

Anonymous — Tue, 14 Nov 2017 23:56:48 GMT

@Anonymous wrote:
Gotcha. Interesting that both Discover cards, the IT and MILES both lose a lot of their luster after the first year.

Obviously, there's a big benefit and drawback to the way Discover offers their "bonus" which is a better program for Year 1 verses all the other years. They get 1 year of loyalty out of a customer as opposed to possibly only 3 months for the other more common "spend X in 3 months" SUB programs, but since the "spend X in 3 months" cards don't get worse generally speaking after Year 1 is up the chances of someone using them long term is greater. I'm not sure which is better honestly.

I think that is the difference between the plain IT and the miles card. While the first year bonus is good on both, the IT retains reasonable value, for those that can use the 5% and discover deals. After the first year, the Miles card is very very meh ($30 travel credit is good I guess, if I ever remembered to use it!)

Re: DISCOVER COMBINED LIMITS... SUCCESS!!

AverageJoesCredit — Wed, 15 Nov 2017 00:17:48 GMT

Congrats Pizza Make Discover Great Again 2017-2018

Re: DISCOVER COMBINED LIMITS... SUCCESS!!

CreditCuriosity — Wed, 15 Nov 2017 00:44:13 GMT

@Anonymous wrote:
@Anonymous wrote:
Gotcha. Interesting that both Discover cards, the IT and MILES both lose a lot of their luster after the first year.

Obviously, there's a big benefit and drawback to the way Discover offers their "bonus" which is a better program for Year 1 verses all the other years. They get 1 year of loyalty out of a customer as opposed to possibly only 3 months for the other more common "spend X in 3 months" SUB programs, but since the "spend X in 3 months" cards don't get worse generally speaking after Year 1 is up the chances of someone using them long term is greater. I'm not sure which is better honestly.
I think that is the difference between the plain IT and the miles card. While the first year bonus is good on both, the IT retains reasonable value, for those that can use the 5% and discover deals. After the first year, the Miles card is very very meh ($30 travel credit is good I guess, if I ever remembered to use it!)

Just PC the Miles to IT after the first year. as Miles after first year is worthless

Re: DISCOVER COMBINED LIMITS... SUCCESS!!

Anonymous — Wed, 15 Nov 2017 00:55:05 GMT

Ms Pizza. Congrats on lowering your card count and keeping your CLs. Now That’s how it done. 🎉🍾🎈🎊🐬

Re: DISCOVER COMBINED LIMITS... SUCCESS!!

pizza1 — Wed, 15 Nov 2017 17:31:57 GMT

@Anonymous wrote:
Ms Pizza. Congrats on lowering your card count and keeping your CLs. Now That’s how it done. 🎉🍾🎈🎊🐬

wellllllllll, Im not so sure about lowering the count, lol.. sometimes when one goes away, another one reappears!! Its so strange!

Thank you so much everyone!!! Appreciate all the kind words!

Re: DISCOVER COMBINED LIMITS... SUCCESS!!

Anonymous — Mon, 29 Jan 2018 17:55:00 GMT

Hi Pizza! Can you tell me which backdoor number you used? I see three listed in the backdoor number thread. I’m thinking the executive office number?

I’m wanting to close my Miles card as well and see if I can move the limit over.

Thank you!

Re: DISCOVER COMBINED LIMITS... SUCCESS!!

Anonymous — Mon, 29 Jan 2018 19:37:27 GMT

pizza1 ... really pretty great that you got Discover to combine cards plus add the CLI that was available. Also, to pay you for your outstanding miles! Awesome!

Re: DISCOVER COMBINED LIMITS... SUCCESS!!

drboxing — Mon, 29 Jan 2018 20:01:22 GMT

I didn't know you can have 2 discover cards