Discover Card Which one & when ?

[Brian_Trying_700]

$80,000.

[crunching_numbers]

Said I was approved for Discover More. Said the card would be mailed in 7-10 days. YEAH!

[RyVision]

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@crunching_numbers wrote:

Said I was approved for Discover More. Said the card would be mailed in 7-10 days. YEAH!

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HUGE CONGRATS on getting MORE!  (pun intended that time lol)  

I have my fingers crossed for you that you get a great CL too!

[Repo-ed]

Grats gang!

[crunching_numbers]

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.

[RyVision]

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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.

[AndySoCal]

I would suggest Discover Open Road. Two percent at restraunts and gas stations and the usual reward on everything else plus you still and use shop disover.

[crunching_numbers]

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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.

[RyVision]

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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.

---

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. 

[crunching_numbers]

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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.

---

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

---

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.