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Are you in deep with Disco???

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Anonymous
Not applicable

Are you in deep with Disco???

Is your exposure more than 70% of income?

Message 1 of 25
24 REPLIES 24
Anonymous
Not applicable

Re: Are you in deep with Disco???

Approaching 85%. 

Message 2 of 25
chiefone4u
Established Contributor

Re: Are you in deep with Disco???

My two cards (combined) are at 31% of my monthly gross income.

 

DW single card is double her monthly gross, and 50% of monthly household gross. 

Goodwill Saturation Technique
Starting Score: EQ:608, EX:617, TU:625
Current Score 3/11/2020: EQ:695, EX:703, TU:720
Goal Score: 740+
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Member of the Synchrony Bank giveth then Taketh away April 2020 Club! $86,900 in available credit gone without warning.
Newest Account July 8, 2020 -- Last HP October 24, 2020 -- Gardening Goal: August 2022 and reach 0/24
Message 3 of 25
KJinNC
Valued Contributor

Re: Are you in deep with Disco???

I assume most are talking about their Discover CL(s) expressed as a percentage of annual (not monthly) income, though I could be wrong.

 

And, on that question, all I can say is lol. I'm approaching 1.5% of income! I am in the Disco kiddie pool.



FICO Resilience Index: 64. Cards: 5/24, 2/12, 2/6. Accounts including loans: 8/24, 4/12, 3/6. Card CLs total $213,900, or $240,400 including the AU card. Cards (oldest to newest)

Authorized user / Corporate / Auto loans / Personal loan
Message 4 of 25
Peteyglad
Established Contributor

Re: Are you in deep with Disco???

Close. 24%

Chase Sapphire Preferred 20k | Amex Delta Platinum 20k | Amex Hilton Aspire 20k | US Bank Cash+ 25k | Chase Amazon Prime 25k | Barclaycard Aviator Red 40k | Bank of America Alaska Airlines 42k | Chase Marriott 50k | Discover It 50.3k | Amex EDP 52k | Citi Thank You Premier 56K | Bank of America BBR 57.9k
Message 5 of 25
Ficoproblems247
Valued Contributor

Re: Are you in deep with Disco???

I WISH! I'm swimming in @KJinNC 's pool. Just over 3%.  





FICO 8 Sep '23 EX 755 EQ 765 TU 739
TCL $199,800
Message 6 of 25
FieryDance
Frequent Contributor

Re: Are you in deep with Disco???

Around 2.5% household and 5% individual.  

That reminds me I better go and put some spend on my Discover, my oldest card.  It has been hanging with socks for almost a year.  

Message 7 of 25
CBrow
Regular Contributor

Re: Are you in deep with Disco???

Doing a comparison of CL to current annual salary, I'm about 14%. 


Message 8 of 25
notmyrealname23
Established Contributor

Re: Are you in deep with Disco???

Single digits.

 

My overall trade lines are well below 50% of annual income.

 

To be honest... going forward I want to tweak and enhance a little of what what I have rather than make wholesale changes. I don't really see the need for trade lines that are multiples of my income. I spent five years doing everything on debit cards...

First Tech FCU Choice Rewards World MC 35k | AMEX Hilton Aspire 17.5k | Chase Southwest Priority Visa 15.5k | AMEX Marriott Bonvoy Brilliant 18k | Bilt Rewards MC 14k | Capital One Venture X 13k | Fidelity VISA Signature 11.5k | Citi AA Platinum Select 11.9k | Charles Schwab AMEX Platinum NPSL | Amex Platinum (I know) NPSL | Amex Gold NPSL | Citi Premier 8.9k | Chase Freedom Unlimited 9k | SoFi MC World Elite 8k | Capital One SavorOne 7.5k | PayPal Synchrony MC 6.4k | Citi Custom Cash 6.9k | DiscoverIt Cashback 5k | Amazon/Synchrony 5k | Hotels.com 5k | Apple Card 3k | Target 800 | Ch 13 filed 12/13 discharged as paid 1/19
Message 9 of 25
wasCB14
Super Contributor

Re: Are you in deep with Disco???

My income fluctuates, but I got a $2k SL in 2014 and one CLI to $3k.

 

My last two approvals were BofA Premium for $17k and BofA WWF Cash Rewards for $21k.

 

The curse of a joint account.

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select
Message 10 of 25
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