Discover No Longer Giving Me Balance Transfer Options

[DEcreditguy]

Literally just got a 0% Balance Transfer offer from Discover in the mail a couple of days ago. Currently have like a 20 dollar balance and a CL of 3,500. 

[Anonymous]

Have you had the card for over a year?

[dragontears]

Data points:
Card #1 36k CL age 5y6m = has BT offers (3% fee 0% APR for 12m or 0% fee 5.99% APR for 18m).
Card #2 20.5k CL age 2y5m = has BT offers (4% fee, 0% APR for 12m or 3% fee 3.99% APR for 18m).

[Anonymous]

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@Anonymous wrote:
Have you had the card for over a year?

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I got mine 3/2018 which has a $12,700 limit and I have an offer for 0% for 9 months with a 3% fee and 3.99% for 15 months with 3% fee. 

[Anonymous]

Thanks for the response.. we seem to be on the same playing field.. have you consistently had balance transfer options on your cards?

[creditfan]

I have IT since 2013 CL15k. I do see offer "lower rate" and "more time", and I do receive mail offer every few weeks too

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:
Have you had the card for over a year?

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I got mine 3/2018 which has a $12,700 limit and I have an offer for 0% for 9 months with a 3% fee and 3.99% for 15 months with 3% fee. 

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I've found over the 3 years my Discover has been open, they hawk their BT stuff at me and flood my snail mail box with checks regularly in the fall and nothing during the times I actually would need them. 

[Adkins]

I've got this on my June 2018 card ($3K limit, zero balance), but nothing on my June 2017 card ($1900 limit, zero balance). I've never bothered looking before so I'm not a good data point however. 

Interesting. 

[GApeachy]

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@Anonymous wrote:

I wish they would have a rep come on and actually give insight to their customers on what's going on.

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Don't we ALL!  ....stuff dreams are made of! (Edit: What offer did you normally take? checks, direct deposit, bt cards?)

My Dh cashback has always had offers, not even a year old.  My card which was a secured is now a year old, 0% interest for a year and hasn't the first bt offer.

[ldkcivilservant]

Even since my Disco was paid off earlier in the year I have had BT offers similar to the ones above. $5,900 CL and the card is 5 years old give or take.