Hello All,
Brand New Poster to The Forums
First off, I have been glued for many days reading, probaly (4) 12 hour days ..lol
second and most imortant, Thank you all so very much for all your valuable advice and wisdom (humor too)
I just called Discover after reading about Lower APR and 1 year extention of 0% ..No L
ve For Me!
She said not possible, I asked how long She was a CSR?..(I probably shouldnt have) it's not Chase,
so i poked at The Bear. 
had my account since 2006 dont remember original SL, but have moved to 11.8K SL with $2600 BT @ 0%
I will likely Try another Disco CSR later or tomorrow.
again Thank you All, I have learned so Much, and have a lot to learn. wished I woulda had all this wisdom and insight from you'all
32 years ago
I have been to Credit HELL and back!!
No BK's ..in 2003 paid off $38,000 in CC Debt ..ouch!
Amex Gold Member since '87
inquires = Embarrising ......(Now Long Term Gardening)
scores Fico 8's all 3 just above 700
(2) 30 day lates on old car loan
and 1 paid child support derog (couldnt get a court date soon enough)
sorry for long post
I was lucky needed a new roof called discover asked if they had a lower apr was given 0% for 12 months so now I got my roof Interest free
i have to agree with you, Disco has been Good to me.
1st CL with them in 1999 ....I paid off at time of divorce
Disco Closed Acct. in 2009 - due to inactivity
still showing on EQ CRA after all these years. (almost the Memory of Amex 
)
I did not use Credit Card's for 10 years from 2006 till 2016
Data Points: (well maybe)
Disco Closed account after 3 years 3 Months of "ZERO" activity ...although YMMV / YEMV in 2019
Account Number: 6X11000XX069XXXX Status: PAYS AS AGREED Account Owner: Individual Account. High Credit: $12,491 Type of Account : Revolving Credit Limit: $12,500 Term Duration: Terms Frequency: Monthly (due every month) Date Opened: 09/01/1999 Balance: $0 Date Reported: 03/01/2009 Amount Past Due: Date of Last Payment: 01/2006 Actual Payment Amount: Scheduled Payment Amount: Date of Last Activity: 01/2006 Date Major Delinquency First Reported: Months Reviewed: 99 Creditor Classification: Activity Designator: Paid and Closed Charge Off Amount: Deferred Payment Start Date: Balloon Payment Amount: Balloon Payment Date: Date Closed: 03/2009 Type of Loan: Credit Card Date of First Delinquency: N/A Comments: Account closed by credit grantor.