Discover 2nd (second) card app thread

[Anonymous]

My first card was a higher limit, low APR. Second was a low limit, 5% higher APR. Idk why. My report/ score had remained about the same.

[Anonymous]

Right crazy o well just won't carry a balance. I had a 731 score when I applied.
Btw- I know this isn't about Cap 1 but they gave me a 7 month apr drop to 22%!!! 🤣🤣On new purchases seriously disco gives 0 apr 12 months on 1st card and gives a new 1, and they offer that... It's a gross offer made me feel wierd to even be offered it lol. Only keep cap1 open since it's my Mastercard. I have 1 of each

[Anonymous]

Plus, a few months after the first 14 month 0% APR ended, I asked for Discover to reduce my APR and they countered with 0% APR for another year. They are really generous as long as you keep your account in good standing imo. Cap1 hates on you forever (per card).

[AverageJoesCredit]

Im making progress, they just sent me actual bt checks. Lol, Sears Boa and Disco want me in debt forever

[Corie]

Has anyone apped for their second card after 1 year without having a prequel offer?

I checked and I don't have any so I'm hesitant to cold app for my second card right now even though it's been over a year.

[Anonymous]

I did but it also disappeared and came back in a short amount of time (solid APR both times). They do the same thing with my BT offers. I saw this mentioned in a different thread so I waited and sure enough they come back. Personally I would wait.

[Anonymous]

As for the Bt. If I wait until July to do my first bt is that when the 14 months 0 apr for Bt starts? I have 0% on my Dcu until July so I wanted to wait since disco says I have until August to do my 1st Bt.
So say I Bt to disco July 1st 2019 would I have until September 2020(14months). I'm pretty sure that's right but wanted to ask the pros(myfico people)

[AverageJoesCredit]

Thats correct. Your 14 months start as soon as you accept the bt offer

[Anonymous]

Great ty. So I'll wait until end of june. Just to be sure. Also if I don't pay it off in full by October 2020. I can send it right back to Dcu in January 2021 with 6 more months of 0 apr.( I do understand I would be paying interest in November, December if I did.) But I hope to continue my perfect record of never paying 1 penny of interest on any card.
But it's a nice feeling to have options and make cards work for you. Only reason I carry balances with 0 apr is to collect interest in my savings before pif when offer is over.

[Anonymous]

Checked this morning and Disco apparently wants to give me a second card. Miles and It, 20.24%, 0% for 14. 

I would probably end up getting a $500 limit though which would be pointless for a 0% card so I am going to pass. I have a $12,700 card with $18K income, I would say I have a pretty good chance of a low limit. 

The APR is 2% less than what my current one is going to at the end of this month though and it’s nice to be wanted so there’s that! 🤣