Thank you @Anonymous . Just like @M_Smart007, I have not had a Disco BT offer in easily 2 years. I have had a number of CLIs, however, which have been good.
I just paid off this card and I'm waiting for my billing cycle to hit tonight. I may have some residual interest... but that's it.
Anyone had any luck finding BT offers after a paydown/off? Can someone give me some data points? I never have BT from them and I'd appreciate some guidance.
It might help to know that I did a payment plan with them "for 6 months" last year, but then they didn't let me out of it for a year. My privileges were reinstated in early January, but since then, I've doubled my previous Limit with them in CLIs. I would think that under those circumstances they'd show me some BT love by now.
Rebuilding is like smoking a brisket: it takes a lot of love, the right spice, and a ton of patience. You don't rush a brisket-- it goes low & slow. Sometimes, you need a crutch through the stall. In the end, the process matters.
2021 goals:
1) GARDEN until I app for Mortgage.
2) Pay Down overall revolving debt aggressively and accountably, to under 30%, including my HELOC.
3) Don't waste the gifted 0% time on the student loans.
4) Ultimately, refi the house at non-usury terms.