So I am interesting in getting the Discover It card do they ever run special signup offers? Is there any reason for me to pull the trigger on it now vs later on in the year or next year? I have the freedom and it seems the categories overlap, in which case the spend would go to the freedom due to the way I value URs and it seems like I would want to wait until I can put all my cat spend on the discover to get the double points at the end of the year. The only reason I would be in favor of picking it up sooner than later is because later this year I anticipate closing some credit lines which will lower my available credit somewhat significantly. I'm also toying with the idea of going into the garden for a prolonged period of time after my summer apps, so it would be nice to have another non-AF card that I can grow the credit line on as I garden.
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@takeshi74 wrote:
@red259 wrote:Is there any reason for me to pull the trigger on it now vs later on in the year or next year?
Could you make use of the double cash back offer? We have no idea when it ends but it might be gone next year. It's up to you to determine if the quarterly categories are reason enough you to go ahead and app.
@red259 wrote:I have the freedom and it seems the categories overlap, in which case the spend would go to the freedom due to the way I value URs and it seems like I would want to wait until I can put all my cat spend on the discover to get the double points at the end of the year.
They overlap this quarter. They do not overlap for Q2 & Q3. Difficult to tell with Q4 as the Freedom calendar just says "Holiday Shopping" while Discover says "Amazon.com & More.
I thought the restaurant quarters overlapped. Sadly the last two quarters doesn't see that great given where I spend.
@kdm31091 wrote:OP it seems a lot of your posts involve trying to justify apps/timing/etc. I think you need to stop waiting for people to talk you into things, and just do them if it feels right to you. You know what Discover IT offers. The double promo is unlikely to last forever, but no one on here knows when it will be pulled. You have the information; it doesn't really matter if us forum-goers tell you you should app or not. You also don't need to app just to app. If you have to talk yourself into a card, it's probably not going to be super beneficial for you.
You need to have confidence in your decisions and do what's best for your credit, not always looking for someone to talk you into or out of something. App timing, "should I app?" "will the bonus be pulled before x date?" are individual choices, not something you can run a poll about. Not trying to be rude. I just think you need to try to have confidence in your decisions.
I like to have information before making a decision and don't think that is inappropriate to ask for opinions from the community because people may have looked at something in a different way I do and it might raise an angle I haven't thought of. I have complete confidence in all my decisions and don't need to be talked into getting a credit card. I don't app just to app, nor have I ever done that. Asking how long a bonus is going to last for is a highly relevant question. I didn't know the double cash in the first year could go away. That was new information to me since this card was never high on my list in the past due to other priorities.