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Discover 0% APR offer & thoughts

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SUPERSQUID
Valued Contributor

Re: Discover 0% APR offer & thoughts


@mgood wrote:

@GatoradeZeroGuy wrote:

 

2nd discover cards are more prone to prompt 4506-C requests from discover, if that would be a dealbreaker for you

 

otherwise a second discover card (particularly a non-student one) seems like a no-brainer. . . .


I was not aware of that. Getting a 2nd Discover it Cash Back is next on my list. Probably late this year. I want to start rotating them so I always have one getting the double cash back.


Also something to consider when you get 2 Discos.

When I got my 2nd Disco people were suggesting that I combine the 2 cards but after a long consideration on this I decided to stay with 2 seperate Disco cc's.

Discover cards offer regular BT offers, so now I have 2 of them with regular offers.

I have 2 penfed cards which offer regular BT offers.

That is a lot of options to bounce around any debt I have at zero int, the BT fees stink tho.

{ BK7 DC 12/2019 } target 1600/ kohls Visa 7000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 3000 /first savings bank cc 3000/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 40k
Total utilization around 20 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 110k
Retired since 2017
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