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Next zero percent intro for DW

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Established Contributor

Re: Next zero percent intro for DW

Why no Disco?

She could combine her 2 Disco cards and close one (need to have a CLI available and not take the CLI but instead call CSR).  Then she could get a new Disco card with 0% for 14 months. She could even just close one Disco and get a new one if she's willing to. It looks like she's got a lot great cards maybe she won't mind just closing one of her current Disco's?

 

Current Cards (in order they were approved with current limits):
Cap1 QS (plat.) $2750
Kohls $3K
Cap1 Savor $15K
PenFed Power Cash Rewards $2K
NFCU CashRewards $6K
NFCU MoreRewards $12.5K
Cap1 Venture $30K
PenFed Gold $2K
Ollo Rewards $3.2K
Sync Amazon $10K
NASA FCU Platinum Cash Rewards $3K
Disco It #2 $14.8K
DCU Visa $10K
NFCU Flagship Rewards $23.5K
Sync Care Credit $15K
PenFed Power Cash Rewards #2 $39K
WF Propel $4K
Comenity AKC $10.5K
Apple (GS) $6.5K
TD Cash Credit Card $6K
Rakuten Siggy Visa $6.5K
BBVA ClearPoints Visa $10K
Disco It #3 $8K
AOD Signature Visa $15K
PayPal MC $5K

BK 7 discharged July 2016




Message 11 of 15
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Established Contributor

Re: Next zero percent intro for DW

Also maybe if she just asked Disco they would just give her a year of 0% APR on one of her existing cards. My daughter asked me two weeks ago to help her find a 0% APR card. I was surprised because for some reason she thinks she's got plenty of cards already and is reluctant to get any additional ones.  Anyway we SM'd Disco and her 0% wish was granted.   Smiley Happy Took less than 5 minutes no HP and no additional account to juggle. 

Current Cards (in order they were approved with current limits):
Cap1 QS (plat.) $2750
Kohls $3K
Cap1 Savor $15K
PenFed Power Cash Rewards $2K
NFCU CashRewards $6K
NFCU MoreRewards $12.5K
Cap1 Venture $30K
PenFed Gold $2K
Ollo Rewards $3.2K
Sync Amazon $10K
NASA FCU Platinum Cash Rewards $3K
Disco It #2 $14.8K
DCU Visa $10K
NFCU Flagship Rewards $23.5K
Sync Care Credit $15K
PenFed Power Cash Rewards #2 $39K
WF Propel $4K
Comenity AKC $10.5K
Apple (GS) $6.5K
TD Cash Credit Card $6K
Rakuten Siggy Visa $6.5K
BBVA ClearPoints Visa $10K
Disco It #3 $8K
AOD Signature Visa $15K
PayPal MC $5K

BK 7 discharged July 2016




Message 12 of 15
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Super Contributor

Re: Next zero percent intro for DW

Good idea, @Hex !  Thank you!

 

Combining isn't an option right now as no CLI available for her at the moment.

 

She is carrying a zero percent BT on one of her Discover cards, but the other one is empty... and she COULD ask for zero percent on purchases for a while....  I hadn't thought of that!

 

Thanks again!  Smiley Happy


06/26/20 Mortgage scores: EX2 718, EQ5 696, TU4 no idea.
07/01/20 Fico 8: EX 705, EQ 711, TU 737.
07/03/20 Fico 9: EX 700, EQ 709, TU no idea...

Zero percent financing is where the devil lives...
Sitting in the garden behaving myself. #noinqs2020
Message 13 of 15
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Community Leader
Mega Contributor

Re: Next zero percent intro for DW


@tcbofade wrote:

Good idea, @Hex !  Thank you!

 

Combining isn't an option right now as no CLI available for her at the moment.

 

She is carrying a zero percent BT on one of her Discover cards, but the other one is empty... and she COULD ask for zero percent on purchases for a while....  I hadn't thought of that!

 

Thanks again!  Smiley Happy


Always the 🌮 never the 👄😄

Message 14 of 15
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Valued Contributor

Re: Next zero percent intro for DW


@tcbofade wrote:

Good idea, @Hex !  Thank you!

 

Combining isn't an option right now as no CLI available for her at the moment.

 

She is carrying a zero percent BT on one of her Discover cards, but the other one is empty... and she COULD ask for zero percent on purchases for a while....  I hadn't thought of that!

 

Thanks again!  Smiley Happy


I've asked Disco for this twice and had it granted. 

Ch 7 Discharge May 2015
Discover/Target/NFCU CLOC/NFCU More Rewards Amex/NFCU Platinum/PenFed Power Cash Rewards/PenFed Pathfinder Visa/Citi Costco Visa/CapitalOne SavorOne - $127,400 total revolving
May 2020 - EQ/EX/TU Fico8: 689/688/679 INQ: 4/2/2 Util: 13.7% total, 4 accts reporting $0, 5 accts each under 30%
Message 15 of 15
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