Discover Card Which one & when ?

[crunching_numbers]

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@crunching_numbers wrote:

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@RyVision wrote:

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@crunching_numbers wrote:

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@RyVision wrote:

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@crunching_numbers wrote:

I put down $6000 worth of balance transfers. Don't know if they will do it, but, I can only hope. The only bad thing is this will probably re-bucket me. I had no recent HP's.

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If you're history is at least a few years and you have clean reports....  I'm leaning toward them probably approving it.

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AAoA = 8yrs

Oldest = 26 yrs
One baddie, 30d, DEC08

BUT:

Util=81%

High Balance (71K on last CR, probably more like 60K now)

Just took myself off of husbands CC's (was AU), should bring both those numbers better in the next month or so. Adding more available credit will boost util.  Agressively paying down debt. I have mostly premium cards. Just ALOT of debt right now. Without the debt I would have good FICO's.

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From that info I'd predict you have a good chance of approval with the BTers going through (IMHO).  I think my UTIL was around 70% when I applied. I told them on the phone it would bounce around a lot and most of it is with 0% offers. 

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@I had a hard time trying to decide the "best" amount of BT to request. Didn't want to put too much so the computer just laughed at me, and didn't want to put too little so I could maximize the 0%. (3% fee for 18 mos @ 0% is a no brainer for me).  I really hope this all happens. Hope for a generous CL too.  

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Checked this morning and a CL of $6500.  I wonder if it would have been less if I had not asked to BT $6000? Anyone know how these CL's work when you ask for BT's?

[Anonymous]

You guys are really doing a number on my app itch.

I'm afraid to apply and I don't know why.

[Anonymous]

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@Anonymous wrote:

You guys are really doing a number on my app itch.

I'm afraid to apply and I don't know why.

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They pull Equifax

TBC

[Anonymous]

But does my income factor so heavily into it?

I make just under 30K a year. I'd love to do a BT for $4500, but everyone I talk to that has a More, has an income way above mine, so I can't really gauge well...

[Anonymous]

I think your limit is only affected by your income. If you do your app by phone and tell them you want to do a BT for 4500 I think they would do it.

You have good scores I think you will be fine unless you have a ton if inquires.

TBC

[Anonymous]

0 inquiries in the last 7 months.

Just opened a Chase Freedom back then, but other than that... that's it.

I think I'll give it a shot on Sunday.

I can take a HP.

(Why are you encouraging this!? lol)

[Anonymous]

Discover is my favorite card, I can't help myself. I get app fear as well, enjoy discovering more

TBC

[Anonymous]

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@Anonymous wrote:

0 inquiries in the last 7 months.

Just opened a Chase Freedom back then, but other than that... that's it.

I think I'll give it a shot on Sunday.

I can take a HP.

(Why are you encouraging this!? lol)

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Are you really going to make us wait until Sunday?  LOL!

Since I'm stuck in the garden, I get so excited for everyone who pulls the trigger. Good Luck!

[Anonymous]

My girlfriend swears by Discover to no end.

I just want to give it a few days and enjoy my weekend first just in case lol

[Anonymous]

Yeah don't wait pull the trigger! We need to know. lol

TBC