@AverageJoesCredit wrote:
Lol, thanks SJ. I msy just ssve my Disco for as BT rainy day then. Do you pay back your bt right away or make big payments?
I usually pay it back in less than a month.
Got my first Discover It in September 2017. I loved the cashback match so much, that I went for it again after a year was up.
My credit score was 698 last year for the first card, and was 740 for the second. They pulled experian this time, but I can't remember last time.
My oldest line of credit is 18 years, long since closed. My total open lines of credit are under 2 years in age. I had five inquiries on experian when they pulled. My salary is in the low $50k range.
I got 14 months of no interest, and cashback match for both cards!
1st card was a $10,000 limit and I had three "love button" CLIs for $500 each, which brings it to $11,500 now. I'm due for another CLI, but I haven't hit the button.
2nd card has a $7,500 limit, which is perfectly fine for the amount of spend that I'll be putting through it monthly. It will be my 2% "everything else" card as well as using the quarterly categories.
Once the new card is out of it's cashback match, I'll probably transfer as much of the limit over to the older card as they will let me, and then either close the newer card or just sock drawer it until they close it for me.
I'm very pleased with the Discover It card. 
SouthJamaica, you should let the bt ride as couple months to see . Ss long as its at 0% , make some big payments and you will hopefully enjoy the Disco BT theory
I have the pre-approval for the Discover Miles card (this would be my second). Just can't get myself to pull the trigger. lol.
No its the same score for two discover cards... but you can get a second (different CRA) score with Discover using Credit Scorecard.....
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