Discover 2nd (second) card app thread

[Anonymous]

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@SouthJamaica wrote:
Yeah right, I'll apply for a 2nd Discover card when hell freezes over They've treated me so royally on my first one, conferring a $300 CLI on me once in a blue moon.

To use their phraseology 'I've had sufficient experience with their credit limits'.

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Random question, is there a thread where you talk about your strategy of being approved for so much credit.

[Anonymous]

@FishingGuy    Thanks,  that is about what i did too, but i did grab a lot very quickly, seems to have worked out overall.   Slow is definitely better

@SouthJamaica   Second Disco is so much better.    My first secured disco grad in 7 months easy..  No CLI, and maybe a 200 CL every 5th month..  Can you say "bucketed"   I know Disco won't LOL    Second card was much better and a CLI about every 2-3 months. 

[Anonymous]

I talked with CS and they confirmed that as long as an account was not closed in delinquency, you can apply for another card.
I got a pre-approval with a solid rate (lower, like my first card). Filled out the app and was approved for the It. 😍
That makes for a 3rd year of CB match and I get to max out the Amz category twice, thanks to this thread.

[AverageJoesCredit]

Awesome @Anonymous Beat me two it. Lol, Actually im already in year 3 straight of cashback double. If i csn get one next year after sccount combo that would be 4th straight year

[KLEXH25]

I definitely feel like my Disco is bucketed. Started at $500 last September and now at $2,050. I’ll see where I’m at in another year, but I feel like this card won’t grow as nicely as other cards have for me. Currently it’s my oldest and still a favorite so I have no intentions of closing ever, but I think I’ll eventually need to open a second if I ever want to get it to grow. However, from what I’m reading, it seems that the second Discover card SL seems to match wherever your second card is at. Does that seem right? I know you can eventually combine, but is there ever a good chance the second card can start higher? Right now it’s my lowest card, which is disappointing.

[Anonymous]

Mine started at 2k same as my unsecured 1st card. Now my second is at 4k. But I've seen plenty of ppl with higher cl on second discover card.

[randomguy1]

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@AverageJoesCredit wrote:
Awesome @Anonymous Beat me two it. Lol, Actually im already in year 3 straight of cashback double. If i csn get one next year after sccount combo that would be 4th straight year

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The net gain on a Discover cashback double is what? $300 a year IF you max out each quarter? Is my math right?

[Anonymous]

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@randomguy1 wrote:

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@AverageJoesCredit wrote:
Awesome @Anonymous Beat me two it. Lol, Actually im already in year 3 straight of cashback double. If i csn get one next year after sccount combo that would be 4th straight year

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The net gain on a Discover cashback double is what? $300 a year IF you max out each quarter? Is my math right?

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If you don't use it for 2%, it's $600 - $75 per quarter regular, $75 per quarter match. 

You can also get unlimited 3% back on every purchase with a Miles card. That can be very lucrative for people who have a lot of spend. 

[AverageJoesCredit]

Ill never max out a cat or max spend so ill never know that feeling but heck , a little extra money doesn't hurt

[randomguy1]

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@AverageJoesCredit wrote:
Ill never max out a cat or max spend so ill never know that feeling but heck , a little extra money doesn't hurt

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Just trying to get a value on what is essentially opening a new card every year with Disco vs the return of churning other cards. It's kinda like sub hunting.

Am I looking at this right? If not maxing the spend of $600 a year, wonder if going for another SUB would be more profitable? Of course you could just want to stay with disco too.