topic Re: Are you in deep with Disco??? in Credit Cards

Are you in deep with Disco???

Anonymous — Sun, 26 Apr 2020 21:29:07 GMT

Is your exposure more than 70% of income?

Re: Are you in deep with Disco???

Anonymous — Sun, 26 Apr 2020 21:33:09 GMT

Approaching 85%.

Re: Are you in deep with Disco???

chiefone4u — Sun, 26 Apr 2020 21:48:38 GMT

My two cards (combined) are at 31% of my monthly gross income.

DW single card is double her monthly gross, and 50% of monthly household gross.

Re: Are you in deep with Disco???

KJinNC — Sun, 26 Apr 2020 21:57:28 GMT

I assume most are talking about their Discover CL(s) expressed as a percentage of annual (not monthly) income, though I could be wrong.

And, on that question, all I can say is lol. I'm approaching 1.5% of income! I am in the Disco kiddie pool.

Re: Are you in deep with Disco???

Peteyglad — Mon, 27 Apr 2020 00:46:19 GMT

Close. 24%

Re: Are you in deep with Disco???

Ficoproblems247 — Mon, 27 Apr 2020 00:49:44 GMT

I WISH! I'm swimming in @KJinNC 's pool. Just over 3%.

Re: Are you in deep with Disco???

FieryDance — Mon, 27 Apr 2020 01:20:29 GMT

Around 2.5% household and 5% individual.

That reminds me I better go and put some spend on my Discover, my oldest card. It has been hanging with socks for almost a year.

Re: Are you in deep with Disco???

CBrow — Mon, 27 Apr 2020 03:06:55 GMT

Doing a comparison of CL to current annual salary, I'm about 14%.

Re: Are you in deep with Disco???

notmyrealname23 — Mon, 27 Apr 2020 03:17:42 GMT

Single digits.

My overall trade lines are well below 50% of annual income.

To be honest... going forward I want to tweak and enhance a little of what what I have rather than make wholesale changes. I don't really see the need for trade lines that are multiples of my income. I spent five years doing everything on debit cards...

Re: Are you in deep with Disco???

wasCB14 — Mon, 27 Apr 2020 03:39:11 GMT

My income fluctuates, but I got a $2k SL in 2014 and one CLI to $3k.

My last two approvals were BofA Premium for $17k and BofA WWF Cash Rewards for $21k.

The curse of a joint account.

Re: Are you in deep with Disco???

Loquat — Mon, 27 Apr 2020 03:49:43 GMT

I actually had 2 of their cards until about a month ago. Dropped them both with hopes of being able to grab the it another time or two. I wasn't using them and my CL across the 2 of them was $31.2k.

Re: Are you in deep with Disco???

kerplunk — Mon, 27 Apr 2020 04:20:28 GMT

I have a very high CL with Discover and it's not even 30% of my income. I'm at the point where I'm curious if it's worth it to continue getting CLIs.

Re: Are you in deep with Disco???

Aim_High — Mon, 27 Apr 2020 04:22:32 GMT

13% of individual, 11% of household.

Re: Are you in deep with Disco???

recoveringfrombk7 — Mon, 27 Apr 2020 04:33:26 GMT

18.5 individual, 16.5 joint

Re: Are you in deep with Disco???

Adkins — Mon, 27 Apr 2020 04:55:33 GMT

The DH: 90% individual

Moi: 10% individual

I make about 50% more than the DH, but he's had the discover card for while now and gets auto CLIs without saying a word to then. 🤷

Re: Are you in deep with Disco???

SunriseEarth — Mon, 27 Apr 2020 08:53:58 GMT

My CL is 26% of household income.

Re: Are you in deep with Disco???

seattletravels — Mon, 27 Apr 2020 09:59:26 GMT

I'm less than 3% of my individual income.

Re: Are you in deep with Disco???

Mv350 — Mon, 27 Apr 2020 10:34:25 GMT

2.75% of my income.

It is the student version of the card. I plan on applying for a 2nd disco later next month after this one turns a year old.

Re: Are you in deep with Disco???

KJinNC — Mon, 27 Apr 2020 12:22:14 GMT

@wasCB14 wrote:
My income fluctuates, but I got a $2k SL in 2014 and one CLI to $3k.

My last two approvals were BofA Premium for $17k and BofA WWF Cash Rewards for $21k.

The curse of a joint account.

Or ... the curse of Discover?

Re: Are you in deep with Disco???

K-in-Boston — Mon, 27 Apr 2020 23:12:33 GMT

I feel so much better after reading this thread! My card is almost 4 years old and thanks to a pair of $1500 CLIs since December I am all the way up to 5% of income. Glad to know it's not just me.