@randomguy1 wrote:
@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 hurtJust 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.
Why not just go for a second year of match AND a SUB on another card?
@Anonymous wrote:
@randomguy1 wrote:
@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 hurtJust 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.Why not just go for a second year of match AND a SUB on another card?
Good point, in my personal situation 5/24. Otherwise perhaps don't want to open up that many CC due to credit hits, aaoa, etc.. I mean basically it is taking the place of another card/sub.
Hit the 12 month on my secured card without graduation and checked prequalify/applied successfully for second card.
1st card - Secured Chrome, opened with $500, later PC'd to cash back IT and over time increased security deposit to $2500. Has not yet graduated (statement date is the 4th, so still possible for next week). Hard pull TU 2 months after bk7 discharge, score ~580. I average ~$1500/more in spending, it's my everyday card.
2nd card - Hard pull Experian 708 today. 19.49% and $14,500. Had to provide proof of address (at my new place about a year). Called in after sending documentation.
Kind of in shock. Making good progress on my rebuild, but was not expecting such a huge limit. Still expecting a call back that they made a mistake.
1st card - Secured Chrome, opened with $500, later PC'd to cash back IT and over time increased security deposit to $2500. Has not yet graduated (statement date is the 4th, so still possible for next week). Hard pull TU 2 months after bk7 discharge, score ~580. I average ~$1500/more in spending, it's my everyday card.
2nd card - Hard pull Experian 708 today. 19.49% and $14,500. Had to provide proof of address (at my new place about a year). Called in after sending documentation.
Kind of in shock. Making good progress on my rebuild, but was not expecting such a huge limit. Still expecting a call back that they made a mistake.
Congrats @recoveringfrombk7 
Thats a huge limit! Took me almost 4 years to even approach that limit
. Enjoy!
Thats a huge limit! Took me almost 4 years to even approach that limit. Enjoy!
I'm still really surprised, but I have loved the card and the customer service. My only negative was the lack of graduating. They have a customer for life now. I'll definitely apply again in a year and try to get the % down over time, but since I no longer carry balances it's not an urgent thing. Thanks so much to this thread and all of the others here. This place is a game changer.
My Cash Back match just ended, so this coming year, I’m going to use my PPMC as my daily driver to replace the 2% I was getting with my Discover It card.
Our eventual plan is to get a Discover Miles for me a year from now, and then get DW an It Cash Back card the year after that and then a Miles card for her the year after that.
We decided to hold off this year because I had openings so many card recently, and her profile is very new and thin. By the end of next year I’m hopeful I can snag a Miles card with a good limit. 2 years from now DW should have a pretty strong profile by then to get her a decent limit on one or the other also.
Our eventual plan is to get a Discover Miles for me a year from now, and then get DW an It Cash Back card the year after that and then a Miles card for her the year after that.
We decided to hold off this year because I had openings so many card recently, and her profile is very new and thin. By the end of next year I’m hopeful I can snag a Miles card with a good limit. 2 years from now DW should have a pretty strong profile by then to get her a decent limit on one or the other also.
