Amazon Prime 1600, Disco # 2 1000, Apple Card 2500

[Anonymous]

I can’t seem to garden and my utilization is up.

Apple has my TU as 709 (the APR is 23.99). My Exp is 691. No idea on Equifax.


Anyway, new cards with baby limits are becoming less appealing. Found out the hard way that Disco won’t reallocate limits: my other card with them is 18k! Sheesh.

[Anonymous]

Congrats!

On the Disco card, check for a CLI and when it offers you one, don’t accept it, call Discover and they’ll let you reallocate limits and give you the CLI. For some reason, they only are able to do it when you have a CLI available.

[M_Smart007]

Congrats!!

"I can’t seem to garden and my utilization is up."

Maybe lock yourself in the garden and throw away the key?

[Anonymous]

Thank you so much! That Discover info might prove invaluable : 18 mo balance transfer offer on new card.

[AverageJoesCredit]

Now you SEE, @Anonymous is correct. Timing, my Dear Watson, is key with Disco