I'd keep the older card, for the history, and roll the newer card's credit limit into it and close the new card. Then you'll have one higher limit card and can get another discover card later down the road. Wait for another CLI opportunity on the older card. Your newer card is over a year old so it's ok to be combined. I've found front line CSR to be cluelessness about this, they usually need to get a supervisor or call someone first. Next time HUCA, if you can't get someone who can help you. I did the exactly same thing with my secured discover once it unsecured, and a newer discover card I'd been approved for.
@Anonymous wrote:I started with a secured disco. The 2% cb on gas. Unsecured after 7-8 months cli from 200-2000. Like 6 months ago a cli to 2300.
Got second disco 1 year ago 2k sl- cli to 5500..
Misinformation from csr made me miss my opportunity to combine credit limits.
I'm not sure why I'm debating closing the older card....maybe because its been with me since I was in the very low 500 fico range..
I'm a bit upset about not combining limits. Atp the extra 2300 from the first card doesn't matter to me as I'm sure ill get a higher limit on my 3rd card.
I definitely max out the quarters on at least one Disco.(both when its the paypal quarter).
I don't see my 2300 cl card getting any cli since I've only spent 110$ on it in 8 months(forgot to update my bjs renewal to newer disco) I was lucky It was during the wholesale club quarter so I got 5% cb.
Any reason to keep older disco? I know ms disco is bi polar when it comes to sl, cli etc...
Plz lmk if I'm missing something any reason at all to keep older card?
I agree with @Adkins Just hold on to it.
And in my opinion you should stop thinking about a 3rd card. Every application and new account hurts your credit. If you're going to apply for something it should be for a better reason than what you've got.
