Disco CLI jail...

[SFLSpotter9210]

I see how much longer for your BK to remain on file? Our profiles are very similar I see. I've been rebuilding myself I burned the big boys like boa Amex chase back in 2007-08 for about 150k+. Got caught with my hand in the cookie jar flipping houses.

I didn't file for Bk just let them charge off was ashamed of my predicament. And paid cash after that point until like 2 years ago when everything started falling off my reports and became a member here. 

i closed my Citi Account before the melt down happened with me. So that's why I guess they've been pretty good to me thus far. I opened 4 cards in a span of 15 days. And received CLI 61 days after opening on 3 of 4 the 4th being a cobranded card HD. And got 3 more CLI after that at the 6 month mark now due for another CLI next month curious to see the results. 

[AverageJoesCredit]

It will be inyeresting to see if i have any  more meat on the Disco bone now that my Chrome is finishing up year one and i have a new play toy .

[Anonymous]

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@SFLSpotter9210 wrote:

I see how much longer for your BK to remain on file? Our profiles are very similar I see. I've been rebuilding myself I burned the big boys like boa Amex chase back in 2007-08 for about 150k+. Got caught with my hand in the cookie jar flipping houses.

I didn't file for Bk just let them charge off was ashamed of my predicament. And paid cash after that point until like 2 years ago when everything started falling off my reports and became a member here. 

i closed my Citi Account before the melt down happened with me. So that's why I guess they've been pretty good to me thus far. I opened 4 cards in a span of 15 days. And received CLI 61 days after opening on 3 of 4 the 4th being a cobranded card HD. And got 3 more CLI after that at the 6 month mark now due for another CLI next month curious to see the results. 

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BK is already off of TU, it's scheduled to fall off the other two around July. I only burned BoA and US Bank in my BK. I decided to file BEFORE I fell behind because it was just too much stress to deal with. It's a good thing too because I got my BK discharge in August 2010 and went out of work permanently in December 2010 when my anxiety meds stopped working which had me fighting Social Security for my SSDI until 2014 and during that time I was couch surfing. It would have been so much worse with my phone blowing up with phone calls and having collections letters sent to every new address I had!

It amazes me how much more I do with less than half the income I had back then. Budgeting does wonders. 

Honestly I just go for the limits because I can. I have very meager needs and very meager resources. In reality I could close all my cards except my QS (oldest card, never going to close it if I can help it), NFCU Platinum, BBVA ClearPoints, Discover It, Amazon, and PC BCP to BCE, while having both plenty of credit and most of my heavy spending optimized while also having a low APR and high limit card (I would merge my cashRewards into my NFCU Platinum for a single $16,700 limit card at sub-10% APR) for emergencies. I may actually do this simplification at some point because 18 accounts is just too much but I'm not ready to make that leap just yet. Maybe once I have Cash+ and Freedom I will look at it. 

[Anonymous]

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@AverageJoesCredit wrote:

It will be inyeresting to see if i have any  more meat on the Disco bone now that my Chrome is finishing up year one and i have a new play toy .

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Going for $25K with Disco? 😂 

[GApeachy]

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@Anonymous wrote:

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but it's hard to sit around when everyone else is getting CLIs 

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If they ever use the verbiage that it may be a hp for requesting so often or from one time frame to another time......well

[Anonymous]

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@GApeachy wrote:

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@Anonymous wrote:

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but it's hard to sit around when everyone else is getting CLIs 

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If they ever use the verbiage that it may be a hp for requesting so often or from one time frame to another time......well

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Yeah I wouldn't give a HP when I already have large limits with Disco. 

Maybe it's a blessing in disguise that they're not offering me a CLI now so that I can get one on my IT in October when I need it so I can move the limit from Miles to IT and close it once I get my match. 

[AverageJoesCredit]

My score updated but double whammy today . Paid off my balance .  Now to see if i can make it a month without use and then try again. 25k would be nice but i wish they would reoffer bts just to hsve the nice option. There's only so much clicking about their website you can do before getting board. I may order the copper It to see how it looks in person

[hawkins]

Yep I feel it as well. Discover wont budge on my miles card for nothing. I just stopped asking. I dont use it all that much anyways so not that big of a deal I guess.

[Anonymous]

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@AverageJoesCredit wrote:

My score updated but double whammy today . Paid off my balance .  Now to see if i can make it a month without use and then try again. 25k would be nice but i wish they would reoffer bts just to hsve the nice option. There's only so much clicking about their website you can do before getting board. I may order the copper It to see how it looks in person

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I just get tired of the looks my roommates give me when they get the mail and half of it is letters from Disco. 😂 

[Anonymous]

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@hawkins wrote:

Yep I feel it as well. Discover wont budge on my miles card for nothing. I just stopped asking. I dont use it all that much anyways so not that big of a deal I guess.

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They definitely seem stingier with the Miles from what I've seen which is odd since they bill it as a travel card.