Disco CLI with VERY high util?

[cr101]

Okay, I have had various Disco 0% APR offers on my card for almost 2 straight years and have yet to use it. My CL has been too low to carry the bal that I want without hurting my util. So, I've just PIF.

I now have a decent CL, but I still maxed the card out (almost 98%) this period and really just want to use the card and that 0% rate and not worry about util for once. But, what level should I pay it down to in order to be considered for a CLI?

Also, do I have to worry about them balance chasing me?

[Remedios]

Are you talking about 0% BT offer in your account? 

While Discover will sometimes offer 0% on purchases on existing cards, it's not something that would be in your account. You either have to ask for it or you might get email offering you promotional APR. 

Also, if you have an offer for promotional APR on purchases, existing balance would be excluded from the offer.  

If by offer you meant BT, in order to use your card and have BT on it, your purchase apr would also need to be 0% 

Could you please clarify on type of offer. 

[cr101]

These are 0% APR for purchases. I've always chatted with them to find out about diff offers. In doing so, they would add the 0% promo on my acct. But, I never actually carried a balance until now.

[Remedios]

You should be fine with some balance but would not leave it anywhere near 98%. Also, if you max out card, balance needs to trend down every month to avoid AA not just from Discover but from other lenders, too. 

[Anonymous]

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@Remedios wrote:

You should be fine with some balance but would not leave it anywhere near 98%. Also, if you max out card, balance needs to trend down every month to avoid AA not just from Discover but from other lenders, too. 

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What is AA?

[Remedios]

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@Anonymous wrote:

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@Remedios wrote:

You should be fine with some balance but would not leave it anywhere near 98%. Also, if you max out card, balance needs to trend down every month to avoid AA not just from Discover but from other lenders, too. 

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What is AA?

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Adverse action. 

It can range from hand slap to chopping it off at the shoulder. 

Penalty APRs, CLDs, balance chasing, accounts closures etc