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

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New Contributor

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

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.

8/16/18 TU 734 EX 703 EQ 725
10 or 11 inqs each bureau, 14% util

5/6/19 TU 761 EX 744 EQ 736
19 inqs each bureau, 13% util

NFCU cashrewards (25), DiscoverIT (18), Amex ED (2) (4.5), UberVisa (1), Chase Freedom (5.9), Paypal Credit (7.9), NFCU CLOC (15), US Bank Cash+ (12.5), NFCU Amex (15), PP 2% (7.2), Amex Magnet (1), US Bank Platinum (14.5), WF Propel (10), Amex Plat (NPSL), Neiman Marcus (9), Blue Nile (5), HSBC CashRewards (5.5), Amex Rose Gold (15 POT), Disco 2 (1), Amazon Prime Store Card (1.6), Apple Card (2.5)
Personal loans: Lightstream 20k/3yrs/5.95%, 10k/3yrs/5.95%
Message 1 of 5
4 REPLIES 4
Super Contributor

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

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.

01/2019:
10/2019:

Hover over my cards to see my limits!
Goal cards: Does it look like I really need any more cards? My goal is to garden until 2/2020.
Message 2 of 5
Senior Contributor

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

Congrats!!

 

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

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

Message 3 of 5
New Contributor

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

Thank you so much! That Discover info might prove invaluable : 18 mo balance transfer offer on new card.
8/16/18 TU 734 EX 703 EQ 725
10 or 11 inqs each bureau, 14% util

5/6/19 TU 761 EX 744 EQ 736
19 inqs each bureau, 13% util

NFCU cashrewards (25), DiscoverIT (18), Amex ED (2) (4.5), UberVisa (1), Chase Freedom (5.9), Paypal Credit (7.9), NFCU CLOC (15), US Bank Cash+ (12.5), NFCU Amex (15), PP 2% (7.2), Amex Magnet (1), US Bank Platinum (14.5), WF Propel (10), Amex Plat (NPSL), Neiman Marcus (9), Blue Nile (5), HSBC CashRewards (5.5), Amex Rose Gold (15 POT), Disco 2 (1), Amazon Prime Store Card (1.6), Apple Card (2.5)
Personal loans: Lightstream 20k/3yrs/5.95%, 10k/3yrs/5.95%
Message 4 of 5
Community Leader
Super Contributor

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

Now you SEE, @Saeren is correctSmiley Wink. Timing, my Dear Watson, is key with DiscoSmiley Wink
#ChaseCreditCardHobby Enthusiast
2022
!
Message 5 of 5
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