Are you getting BT offers from Discover?

[Anonymous]

I haven't gotten a mailer since March, but have had offers show up here and there.

Right now it shows a couple offers for me:

0% APR, 12mo, 3% fee

4.99% APR, 15mo, 0% fee

They've come and gone with 9 mo/12mo/15mo, 3%/5% fee, varying APRs.. Generally the less I've needed it the better the offer.

[SOGGIE]

Frequently, I receive both Disco and FNBO BT mailers. I never bother to read them as I have no need to. Discover always sends blank checks too. #Shredder

[Anonymous]

@SOGGIE @Anonymous 

Do you guys mind sharing your total util and spending pattern with disco?

[Anonymous]

aggregate utl- <1% across all cards for the last 4 months. around 9% earlier this year that was paid to 0% by July/August and paid in full since.

that card has ranged from 0% to 4% to limit ($13000) this year. ~$300 to 500/mo when categories line up. minimal use when they don't.

[SOGGIE]

---

@Anonymous wrote:

@SOGGIE @Anonymous 

Do you guys mind sharing your total util and spending pattern with disco?

---

I have a sizable CL with them. Because I rotate card usage (AZEO), I only have a 1% balance perhaps twice annually. I also PIF when the bill cuts. My account is more than 10 years old.

[DebtJoe]

I currently have a 0% APR/3% fee offer and also a 4.99% APR and 0% fee offer in my online account.

[joltdude]

Havent had the offers dry up except for perhaps one month... but the bt offers Miss Disco is offering arent stellar right now...

0$ for 12mo with a 5% fee 

6.99% for 15mo with a 0% fee

Standard APR is 11.99%

As an aside, Miss Disco has yet to offer me a BT to a checking account, just BT to cards.... 

Theres a Hidden CL i wouldnt have minded paying off with a BT transfer.. though its paid off now...

[Anonymous]

---

@joltdude wrote:

Havent had the offers dry up except for perhaps one month... but the bt offers Miss Disco is offering arent stellar right now...

0$ for 12mo with a 5% fee 

6.99% for 15mo with a 0% fee

Standard APR is 11.99%

---

Aggregate util and spending pattern during that period?

[joltdude]

Not sure.. except for a blip on one card in november over 33% on one card,  been around 6-7% total util across the board, since most cards are at 0$ balance before statement generates.. Discover currently has a BT on it but still using it as a DD, since i have a 0% offer on it still..

-J

[recoveringfrombk7]

DH has been getting them non stop.  Scores 790+ across the board.  I got a 0.9% for 9 month offer, my info is in my sig.  No BTs for me.