Ricky’s story is why I love Discover. To me it’s not even about the rewards. They are just a great company. The majority of the time I’ve been with them I’ve been on 0% interest. 12 months 0% with a 6 month buffer and then another 0% for 12 again. I started that card in college years ago with a $2,000 limit. Now I’m up to $35,000 with only soft pulls. They’ve got the best customer service I’ve ever had and they’re not known to bust balls with balance chasing or FR’s unless you’ve got it coming to you.
FICO- Experian: 797, TransUnion: 781, Equifax: 804 (Updated Monthly)