Discover 2nd (second) card app thread

[AverageJoesCredit]

Nice self control. You never know though. Double cash back is great and you could always combine after the year up

[Anonymous]

If the APR goes down over the next months, I will think about it. 

I would do it if Disco didn’t have such a screwy way of combining card limits... having to have a CLI available on the new card is not so difficult for most people to have happen within 3 months or so but when you’re reaching that exposure tipping point, it could be a long wait. If I’m going to step out of the garden, it’s going to be for a card I can actually use to finance a purchase on. 

But the Miles is tempting since it would essentially be the “use for everything for the first year” card because of the effective 3% back. So much simpler to just have one card for everything but not if it’s gonna be another $500-$1K card. 

[Hex]

Whatever you decide at least it’s nice to know they appreciate you!

[SouthJamaica]

Well @AverageJoesCredit , your theory about 2nd Discover cards seems to be completely validated from my experience.

1. My first Discover IT card was opened 4 1/2 years ago with a $1k starting limit, and almost always the only CLI I could get was what you dubbed the "SJ Special"...    $300.  Seemed like I was in a bucket.

2. Against my better judgment, but in pursuit of checking out your theory that a second card might not wind up in the same bucket as the first card, I opened a second Discover IT card 7 months ago.

3. Sure enough, I got 2 CLI's for $500 -- a step above the SJ Special.

4.  And then today, a mere 36 days from my last $500 CLI, I got a CLI for.....   $1500.

And for the record, my last CLI for Card #1 was... you guessed it...  $300.

[CreditCuriosity]

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@SouthJamaica wrote:

Well @AverageJoesCredit , your theory about 2nd Discover cards seems to be completely validated from my experience.

1. My first Discover IT card was opened 4 1/2 years ago with a $1k starting limit, and almost always the only CLI I could get was what you dubbed the "SJ Special"...    $300.  Seemed like I was in a bucket.

2. Against my better judgment, but in pursuit of checking out your theory that a second card might not wind up in the same bucket as the first card, I opened a second Discover IT card 7 months ago.

3. Sure enough, I got 2 CLI's for $500 -- a step above the SJ Special.

4.  And then today, a mere 36 days from my last $500 CLI, I got a CLI for.....   $1500.

And for the record, my last CLI for Card #1 was... you guessed it...  $300.

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should of combined while you had the chance before they cut you off again

[SouthJamaica]

And what do you know, I decided to apply for a CLI the same day on Card #1. And... you guessed it... $300.

[AverageJoesCredit]

Lol, thats forward progress @SouthJamaica. Times they are a changing Congrats on the promotion to SJC SPECIAL 😄 Next up...@Joltdude Specials

[Anonymous]

AJC: I'm coming up on the end of my second year. What are the rules for combining and closing cards (to get a third)? I'm probably closing the newest card.
It was mentioned that a CLI was not needed for this?
Also, what does the balance need to be on each card?

[Anonymous]

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@Hex wrote:
Whatever you decide at least it’s nice to know they appreciate you!

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Yes that’s definitely nice.

[AverageJoesCredit]

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@Anonymous wrote:
AJC: I'm coming up on the end of my second year. What are the rules for combining and closing cards (to get a third)? I'm probably closing the newest card.
It was mentioned that a CLI was not needed for this?
Also, what does the balance need to be on each card?

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Im not 100% sure on this rule per se but id imagine it would be best to probably try snd combine the 2 cards first and close the card you dont want. Maybe wait a month or two to let the system update you only have 1 card then try the prequal to see what pops up. This is what i may do when i eventually try for a Miles card lol