Is it possible that Discover buckets cards?

[FinStar]

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@jonblaze24 wrote:

If i were to apply for another DiscoverIt, do they allow you to combine accounts? Or would it still be 2 separate cards, 2 separate accounts?

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@FireMedic1 wrote:

Second card will yield a higher SL and lower APR. But its YMMV. My first was 2k (cant remember the first APR, 20's?) and the 2nd 7k 13.4%. Got CLI's on both and then combined the 2.

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Only if your other account is eligible for a CLI when you apply for the 2nd card and are approved. Otherwise, you'll have 2 separate accounts until you have the option to combine them.

[MarkintheHV]

They bucketed me.  First card was $5500 and was stuck there for a long time.  App'd a second card, and they gave me $3000 and no CLI's for any of them after 2 years.  Kind of discouraging if you look at my other CLI's below.  I closed them, and came to the conclusion that Discover doesnt like me.

[mgs2010]

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@MarkintheHV wrote:

They bucketed me.  First card was $5500 and was stuck there for a long time.  App'd a second card, and they gave me $3000 and no CLI's for any of them after 2 years.  Kind of discouraging if you look at my other CLI's below.  I closed them, and came to the conclusion that Discover doesnt like me.

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I have the same issue - 2 cards both with stagnant small limits and I use them all the time. Though I did burn them in a ch7 over a decade ago so I can't blame them I suppose. Still tempted to just close their cards and move on since they don't really want to grow the relationship, or so it seems. 

[MarkintheHV]

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@mgs2010 wrote:

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@MarkintheHV wrote:

They bucketed me.  First card was $5500 and was stuck there for a long time.  App'd a second card, and they gave me $3000 and no CLI's for any of them after 2 years.  Kind of discouraging if you look at my other CLI's below.  I closed them, and came to the conclusion that Discover doesnt like me.

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I have the same issue - 2 cards both with stagnant small limits and I use them all the time. Though I did burn them in a ch7 over a decade ago so I can't blame them I suppose. Still tempted to just close their cards and move on since they don't really want to grow the relationship, or so it seems. 

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I moved on as there are other institutions that value me as a customer.  I never burned them, or had any issues with them, but, for some reason they bucketed me.  DW has a 10k Discover and they wont give her a CLI either.  

[805orbust]

Frankly, they annoy me as well.  I was so annoyed with them in 12/20 (it was still at a $1200 limit after 6 years) that I opened a Chase Freedom Flex because I was gonna shred it.  Then was paying the bill and figured what the hell, and they raised me to $6300.  Unreal.  I've just got a couple bills on there every month and I have it autopaying.  Gonna close it soon... I think  

[FireMedic1]

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@AverageJoesCredit wrote:

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@FireMedic1 wrote:

Second card will yield a higher SL and lower APR. But its YMMV. My first was 2k (cant remember the first APR, 20's?) and the 2nd 7k 13.4%. Got CLI's on both and then combined the 2.

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My apr was actually higher on second card despite being in 700's. Hard to combine if neither account is ever eligible for a cli lol. Haven't been able to get a cli in past 2+ years

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@AverageJoesCreditThose moves were because of you and your relationship with Missy back then. The day someone anyone can figure out how she ticks. Its a toss up. Roll the dice. I got a $500 CLI the other day with no contact telling me. Didnt ask for it. Popped on CK. Ok what did I do? Use it as I usually do. Go figure. But I was fresh out of BK with the first card. Second was 3 years later.

[FireMedic1]

@dragontears @AverageJoesCredit Well so much for 13.4%. Its even lower now 11.9%. Guess I need to read the fine print more often. Dont know when that happened.¯\_(ツ)_/¯

I'll take it. Must have been the roses at the doorstep...

The closed Chrome card is still there on the home page. Closed 11/19.

[AverageJoesCredit]

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@FireMedic1 wrote:

@dragontears @AverageJoesCredit Well so much for 13.4%. Its even lower now 11.9%. Guess I need to read the fine print more often. Dont know when that happened.¯\_(ツ)_/¯

I'll take it. Must have been the roses at the doorstep...

The closed Chrome card is still there on the home page. Closed 11/19.

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That's a great apr FM1 I agree Miss Disco was fun years past. I might have to start using her more to at least entice $500 but it will  a battle.  I would like to combine so maybe IT can be my new goal