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1st card was an IT cashback match 01/25/2017
TU Fico 605 no promos 24% $1200 SL - $4500 now
2nd card IT cashback match 03/11/2018
TU Fico 681 14 month 0% purch & BT 19% $4000 SL
1st card is an IT with cashback and 14 months 0% (24% after) opened on 2/28/17. $3,000 SL, currently at $4,500. TU: about 630
2nd card is a Chrome with cashback and 14 months 0% (19% after) opened 3/7/18. $2,000 SL TU: 736
Nice Disco score card so far only lost 3 points but it should go back up... and of course I need to let my accounts age.
@AverageJoesCreditwrote:
Hey guys, im not sure if this thread will stick but i figured id give it a try to create a thread only related for those looking to app a second Discover card, most likely the It card but since their selection isnt that big other cards could be included.
Though their is another Discover unofficial data point thread, i want this one to be more focused for those considering apping a second Discover card so they can see data points from those of us who have experiencd this. Please include , if you remember, your Fico score when applied, and any pertinent info like previous credit limit, any promos offered with app like 0% apr, bt offers etc.
If this doesnt last or gets merged i understand but hopwfully the few of us who have closed our first Discover cards and reapped can shed light to those thinking of doing soThanks everyone, ill begin......
This is a great thread AJC! Thanks for starting it. I recently stumbled upon the Disco 2nd card and have really been anxious. I got my first IT card last June, SL was $5500, currently at $7500 but haven't had any luck since December. I've been thinking of a second card in June/July when I hit my year mark.
I'll be following this for the coming months! Thanks everyone.
Is the one year mark the soonest you can get a second Disco? I didn't intend on actually applying, but did the pre-qualify just to see if they would offer anything. I got a message they had none due to the length of time I've had my account. Opened my IT card May 2017.
@Anonymouswrote:Is the one year mark the soonest you can get a second Disco? I didn't intend on actually applying, but did the pre-qualify just to see if they would offer anything. I got a message they had none due to the length of time I've had my account. Opened my IT card May 2017.
Yes you need to have your Disco account/card open for at least a year before they will let you have a second card...
Otherwise they will decline you if you attempt a second card too early... Similar to 5/24 its a hard rule .. yet to see someone bypass it...
Id wait until the May statement generates and then try a prequal.
-J
-J
I forgot, but do they HP for a second card?