You could try for a perm APR now and app for another discover card closer to when the other 0% offer expires. Or even in a month or so if you wanted... Esp if they offer you the 14 month or more 0% on the new card...
Could app now ....
Still should be long enough for you to be probably be eligible for a 0% offer in january on the original card... its about 6 months between asking...
You got options...
-J
@Anonymous wrote:
@shoegal wrote:
@Anonymous wrote: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! 🤣
Why not ask for an APR reduction instead?
Well I plan to do that too but I’m holding off until I have use for a 0% financing offer. I would rather have 0% for 12 months come January when my BBVA 0% ends than have a permanent APR reduction which is kind of moot next to my NFCU Platinum and it’s 8.24% with the same $12,700 limit.
I was just remarking that the APR is lower, it’s not really of any consequence to me but my theory is that lower APR would have a better chance of a usable SL even with my current exposure since lower APRs generally mean they find you less risky.
3% with my spend would likely only amount to an extra $100 for the match though, possibly even less since I do so much spending on Amazon, so I will keep the fact they will give me another card in my back pocket but look for other card options that have $100 or better SUB available.
-)
Hey, guys, I would like your advice please. My It card is over a year old. I wanted to see if I prequalified for a 2nd card. I keep getting a website error or lately I am sent to the login page with a message that my info does not match and to please log in. Of course, if I log in, there is no where to even apply for a card. I'm too timid to apply directly at the moment. Has anyone had this problem ?
Ive only prequalifiedfor a cc 1 time my whole life....Discover this year
. Definetly call and ask if you are seeing errors. Cant hurt to ask. I probably should have waited since they gave me a horrible apr but , meh, pif eliminates that
. Definetly call and ask if you are seeing errors. Cant hurt to ask. I probably should have waited since they gave me a horrible apr but , meh, pif eliminates that
@Remedios wrote:I am going to try a preapproval now, for scientific purposes only
I bet I get secured card with 99% APR
BRB
I am pre-qualed for the best rate, but i bet if I was dumb enough to apply I would get a 1k SL 
It turns out I just needed to clear my cookies. I didn't get any offers but my EX is 663. Is that good enough to get another card ?
Well, I was denied for a 2nd card. The only reason given was my 3 1/2 year old bankruptcy, which is weird because it was on my report when I got my 1st Discover card.