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It Finally Happened!! A Pre-Approved Offer in the Mail!

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Valued Contributor

Re: It Finally Happened!! A Pre-Approved Offer in the Mail!


@pinkandgrey wrote:

Congrats! And congrats on your willpower lol  It is a great card, but if you already have a 2% card, there’s really no reason to add the DC. 


Hi Pink,

I like Redundancy , so I have (2) DC Smiley Very Happy

come to think of it, I also have (2) Disco it's

I have seen several siggy's with "Twins"Smiley Happy

Message 21 of 24
Established Contributor

Re: It Finally Happened!! A Pre-Approved Offer in the Mail!


@M_Smart007 wrote:

@pinkandgrey wrote:

Congrats! And congrats on your willpower lol  It is a great card, but if you already have a 2% card, there’s really no reason to add the DC. 


Hi Pink,

I like Redundancy , so I have (2) DC Smiley Very Happy

come to think of it, I also have (2) Disco it's

I have seen several siggy's with "Twins"Smiley Happy


That seems odd, but hey! To each their own Heart If that makes you happy, then that's awesome! I guess it's not too odd since I have 2 cards that essentially do that same thing lol. One just has a WAY higher credit limit than the other one. 


I’m tip toeing my way back into the garden!



Officially collection free as of 3/19/19!!
STARTING SCORES: 377 (11/2013) & 580 (3/2018)
Message 22 of 24
Valued Contributor

Re: It Finally Happened!! A Pre-Approved Offer in the Mail!


@Queen_Etherea wrote:

@M_Smart007 wrote:

@pinkandgrey wrote:

Congrats! And congrats on your willpower lol  It is a great card, but if you already have a 2% card, there’s really no reason to add the DC. 


Hi Pink,

I like Redundancy , so I have (2) DC Smiley Very Happy

come to think of it, I also have (2) Disco it's

I have seen several siggy's with "Twins"Smiley Happy


That seems odd, but hey! To each their own Heart If that makes you happy, then that's awesome! I guess it's not too odd since I have 2 cards that essentially do that same thing lol. One just has a WAY higher credit limit than the other one. 


some cards have Limits to Rotating Quarters, hence Discover it

I ended up with Two Citi DC cards, One used to Be Diamond Preferred, but it ran out of balance transfer and perks,

so i product changed it to a 2nd DC, hey, if one gets Fraud, it is like having a spare keySmiley Happy

 

I actually thought of Changing it to a Citi "Dividend Card", which you cannot Apply for, only Currently Available for Product Change

to existing Customers after one year age on a card.

Citi Dividend has 5% Rotating Categories.

 

I also have The Chase Freedom, same Thing 5% rotating Categories. (Currently Gas)

 

some 5% Rotating Category Cards have Capped Limits. and some people can Max Those Quarters (like Gas & PayPal),

That is where a second (Duplicate) card comes in.

Message 23 of 24
Frequent Contributor

Re: It Finally Happened!! A Pre-Approved Offer in the Mail!


@M_Smart007 wrote:
I actually thought of Changing it to a Citi "Dividend Card", which you cannot Apply for, only Currently Available for Product Change to existing Customers after one year age on a card. Citi Dividend has 5% Rotating Categories.

First I've heard of this card. Interesting ... I have a Citi secured I'll be PCing next year when it graduates. I had been thinking I'd PC it to DC, but this Dividend Card sounds like a potential option. Though, looking at the 2019 calendar for 5%, I notice the categories are often more specific than Discover's rotating 5% categories ... examples include "fitness clubs," "Best Buy", pharmacies, rental cars. I don't have prescriptions, pay about $30/month to my fitness club and don't rent cars very often so the only one of those I could get any signficant value out of would be if I timed a large purchase at Best Buy like a fridge for the 5% quarter. I think DC will probably be better for how I spend money, but good to know about options like this.

OP, I've had times of my life when I got lot of mailed offers like that, and other times when I got none ... I never cared one way or the other. When I got them, I threw them in the trash. When I didn't get them, I didn't notice. I never paid attention to my credit score, but I know in retrospect when it was higher or lower and generally why (when I had car loans and mortgages, when I had a couple of credit cards in the late 90s). But now that I'm consciously building credit for the first and only time in my life, I'd really love to see them start showing up!


But, my VS scores of 634-678 are probably actually more predictive right now. Everything listed is new to my profile since April 2019, except the Exxon card. The AU card hasn't reached TU yet, so no FICO score on TU yet. I have a ton of hard inquiries March-June 2019. No derogs. Other score types are generally higher on EQ, lower on EX. Experian Bankcard 2 is 627!
Keepers:

Will be closed by March 2020:

Authorized user:

Closed but still on reports:

Short-term goal: My stuff is in too much of a state of flux to have one that matters ...
Long-term goal: Legit, meaningful 770s across the board.
Message 24 of 24