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Disco, at least I'm in !

Frequent Contributor

Disco, at least I'm in !

0% for 12 months then 23%..ouch ! 

 

But, it was the last of 3 cards I was looking for. 

 

Thanks guys !

FICO :November 2016
TU-761 EQ 756. EX - 749
No Baddies
QS1 -$2,000. Care Credit $9,600.00 CHASE Freedom $3,000.00 Discover IT $1,000.00
Inq TU 4 EQ 3 EX 2
Message 1 of 14
13 REPLIES 13
Valued Contributor

Re: Disco, at least I'm in !

Congrats! But yikes is right!

Message 2 of 14
Valued Contributor

Re: Disco, at least I'm in !

Congrats to you! I'm surprised your APR is that high with your good credit scores.  After a year, ask for a reduction! Enjoy! Smiley Happy

Message 3 of 14
Frequent Contributor

Re: Disco, at least I'm in !

Congrats. Don't worry about the APR. Pay in full and it won't matter. Congrats again.

Message 4 of 14
Valued Contributor

Re: Disco, at least I'm in !

Don't worry about APR, just use it and PIF to get the rewards, and carry a balance on another card with a lower APR if absolutely necessary (best alternative of course is to never carry a balance and never worry about it).

 

What credit limit did you get approved for?  I was approved for $800 originally and at the time I had several cards with $10-30k limits.  Discover is weird but I like their first year rewards.

Message 5 of 14
Community Leader
Senior Contributor

Re: Disco, at least I'm in !

Don't sweat the APR... They entertain reductions AFTER the 0% period... every 6 months....

And don't be surprised if you get an auto-cli at or after the third statement... (mine wasnt on the third statement but appeared in my account after it)

 

Message 6 of 14
Valued Contributor

Re: Disco, at least I'm in !

Congratulations!!! Welcome to the Discover family! What was your SL?

"Hover mouse over cards to see CL and APR info"


Message 7 of 14
Frequent Contributor

Re: Disco, at least I'm in !

Congratulations!!!  At least you got the 0%, that is awesome.

Message 8 of 14
Frequent Contributor

Re: Disco, at least I'm in !


@ItsPossible wrote:

Congratulations!!! Welcome to the Discover family! What was your SL?


$ 1,000.00 SL

FICO :November 2016
TU-761 EQ 756. EX - 749
No Baddies
QS1 -$2,000. Care Credit $9,600.00 CHASE Freedom $3,000.00 Discover IT $1,000.00
Inq TU 4 EQ 3 EX 2
Message 9 of 14
Valued Contributor

Re: Disco, at least I'm in !


@cuthatcard wrote:

@ItsPossible wrote:

Congratulations!!! Welcome to the Discover family! What was your SL?


$ 1,000.00 SL


And you know it will grow. Someone just posted that they had a starting limit around $1400 (or something like that) and on their 1 year anniversary, they are almost at $15K. 

"Hover mouse over cards to see CL and APR info"


Message 10 of 14
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