Disco Combination Opinions

[Anonymous]

So when i started my rebuild, i got a disco secured card with $200 on it.  I used it and graduated in 7 months no issues. Since then i have only gotten 2 $200 increases on the card.  Not that i expected them to match my other lenders.  After one year, i was approved an unsecured card for 2500, and at the 90 day mark was doubled to 5k.  I have a CLI on the second card, and am debating on if i should just combine them since the original card doesnt seem like it will ever grow.  It is my oldest card tho, so i don't really want to lose that history but if it's never going to grow then its just another one to keep up with. 

What would you do? or not do? 

[Anonymous]

How much older is it than your next card? I wouldn’t want to close my QS because it’s 5 years old which makes it 4 years older than my next oldest card, my Discover but if it was say, 3 years old and was on the chopping block I would be much more likely to go through with it.

But also — how much spend will you realistically put on a category card and do you think you will ever have an opportunity to max out a category and have use for the second card’s category?

[kilroy8]

It's not hurting anything and there is no AF. Only reason to close now would be that in another year or so it could open you up for a 3rd card.

[Anonymous]

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@Anonymous wrote:
How much older is it than your next card? I wouldn’t want to close my QS because it’s 5 years old which makes it 4 years older than my next oldest card, my Discover but if it was say, 3 years old and was on the chopping block I would be much more likely to go through with it.

But also — how much spend will you realistically put on a category card and do you think you will ever have an opportunity to max out a category and have use for the second card’s category?

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@Anonymous  I got the disco/cap1 at the same time and 1st NFCU card a month later.  By the end of the year i would have 8 cards at 2yrs if i didnt keep the original disco. 

I don't spend enough for two category cards, so that is another thing as well.  

[Anonymous]

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@kilroy8 wrote:

It's not hurting anything and there is no AF. Only reason to close now would be that in another year or so it could open you up for a 3rd card.

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@kilroy8  I honestly don't see me going after a (3rd) 2nd Disco card tho.  SInce it has no AF that helps, but i'm barely using it as well. 

My second card was in June, so i would say i could get another with CB match then.  I'm not going to tho. 

[kilroy8]

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@Anonymous wrote:

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@kilroy8 wrote:

It's not hurting anything and there is no AF. Only reason to close now would be that in another year or so it could open you up for a 3rd card.

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@kilroy8  I honestly don't see me going after a (3rd) 2nd Disco card tho.  SInce it has no AF that helps, but i'm barely using it as well. 

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Are the due dates different? You can use them to control cash flow that way.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:
How much older is it than your next card? I wouldn’t want to close my QS because it’s 5 years old which makes it 4 years older than my next oldest card, my Discover but if it was say, 3 years old and was on the chopping block I would be much more likely to go through with it.

But also — how much spend will you realistically put on a category card and do you think you will ever have an opportunity to max out a category and have use for the second card’s category?

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@Anonymous  I got the disco/cap1 at the same time and 1st NFCU card a month later.  By the end of the year i would have 8 cards at 2yrs if i didnt keep the original disco. 

I don't spend enough for two category cards, so that is another thing as well.  

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Without a doubt I would merge it. It’s only a $600 tradeline and it’s not anywhere near old enough to make any meaningful difference later. 

[Anonymous]

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@kilroy8 wrote:

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@Anonymous wrote:

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@kilroy8 wrote:

It's not hurting anything and there is no AF. Only reason to close now would be that in another year or so it could open you up for a 3rd card.

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@kilroy8  I honestly don't see me going after a (3rd) 2nd Disco card tho.  SInce it has no AF that helps, but i'm barely using it as well. 

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Are the due dates different? You can use them to control cash flow that way.

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by like 6 days lol 

[joltdude]

Hmm.. is it even worth merging them? .. One advantage of close and open would be if you apped for the Discover "miles" down the road, and get CB match on 1.5% which at the end of year would be a total of 3% CB on.... You know your original card is bucketed... Just some thoughts on that... 

-J

[Anonymous]

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@joltdude wrote:

Hmm.. is it even worth merging them? .. One advantage of close and open would be if you apped for the Discover "miles" down the road, and get CB match on 1.5% which at the end of year would be a total of 3% CB on.... You know your original card is bucketed... Just some thoughts on that... 

-J

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@joltdude  i'm a 10000% sure it's bucketed, but i keep calling and talking to Disco about it. My hope is that i can finally get someone to slip up and actually tell me it's bucketed vs. the PC answer they try to give each time i call.