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seetheworld1

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  1. Hi. My last payment was due Aug. 11 and I paid it today when they emailed me.
  2. Edited to clarify the payment was indeed 30 days late. I missed an entire month.
  3. Hi, I made a big mistake. I check my accounts every month like clockwork but was out of the country last month and missed a payment to Discover. I could have sworn I had autopay on this card – as I do on all my other ones – but the CSR is telling me I didn’t. She reassures me that they only report it to TU as “one day late.” I’m not sure what that means. 30 days is 30 days, I believe. Anyway, does anyone know how this could affect my credit score? They are currently in the 730s (FAKOs) and I have five cards with about $80,000 in available credit, about 30 percent util overall and with pristine payment history so far. I haven't seen that this late payment has reported yet. I’ve been doing well at rebuilding for the past 2 years and I’m really kicking myself over this. I asked the CSR about a courtesy removal but that won’t fly. I’m preparing to follow up with their executive office to beg for a removal, although she says Disco won’t do that. She gave me a general PO Box to write to. Any suggestions about how to handle this GW request would be greatly appreciated. As always, thank you!
  4. As long as the card doesn't say "secured" on it, they won't check it. I used to rent cars on my Capital One secured without any problems.
  5. NO, the balance you're currently carrying will have the same interest rate. The balance you transfer will have the "Balance Transfer rate". A Disco rep just explained it to me. Thanks!
  6. Hi, To make sure I understand, are you saying I could try to get a loan from DCU, pay Disco and then move Amex and Cap 1 to Disco? Or to see whether I have any BT offers on my DCU Visa? Either way, I'll check into both. Thanks so much. Yes, my spending has been careless. I realize that now and I'm putting a stop to it immediately. I'm also looking for a new job that pays more. :-) DCU has no balance transfer fees on their CC's. So move the Disco balance to the DCU. This will reset Disco, and then you can balance transfer the higher APR CapOne and AMEX balances to Disco. That's just one possible scenario. Have you gotten a Disco CLI lately? Ah, I see. Yes, the DCU CC is a much lower interest rate so I would pay that off first. I actually got a Disco CLI about three weeks ago. Thank you! Ummm...you want to pay the higher APR's first... Right, got it. I'd have the balance on DCU at a lower rate -- compared to what they are now -- and pay that first to not accrue lots of interest, but also have room to breathe with the transfer of the other balances onto the zero interest Disco. Thanks so much.
  7. Hi, To make sure I understand, are you saying I could try to get a loan from DCU, pay Disco and then move Amex and Cap 1 to Disco? Or to see whether I have any BT offers on my DCU Visa? Either way, I'll check into both. Thanks so much. Yes, my spending has been careless. I realize that now and I'm putting a stop to it immediately. I'm also looking for a new job that pays more. :-) DCU has no balance transfer fees on their CC's. So move the Disco balance to the DCU. This will reset Disco, and then you can balance transfer the higher APR CapOne and AMEX balances to Disco. That's just one possible scenario. Have you gotten a Disco CLI lately? Ah, I see. Yes, the DCU CC is a much lower interest rate so I would pay that off first. I actually got a Disco CLI about three weeks ago. Thank you!
  8. Hi, Thanks. I've never had pristine credit before now and I'm learning my lesson, believe me! I just logged into Disco and found I do have a BT offer so I will take it and look into possibly getting an offer on my Freedom. I'll unfreeze Experian and see whether that helps. Thanks so much!
  9. Hi, To make sure I understand, are you saying I could try to get a loan from DCU, pay Disco and then move Amex and Cap 1 to Disco? Or to see whether I have any BT offers on my DCU Visa? Either way, I'll check into both. Thanks so much. Yes, my spending has been careless. I realize that now and I'm putting a stop to it immediately. I'm also looking for a new job that pays more. :-)
  10. Wow! Thank you. Such good advice. I just logged in and see that I have BT offers from Disco and Cap 1, but none from Freedom. I keep my credit reports frozen, however, so I'm not sure whether that's a factor. As it stands now, I could transfer a good chunk of Amex to Disco, staying under 40 percent util, of course, and then try another solution for the others. One question, though: If I accept the Disco BT offer, will it reset the interest on what I currently owe them as well, or only on what I'm transferring? I agree that I don't have a handle on my spending. Before I got my credit in order, I only spent what I had and now I see I've been more than a little careless. That stops now. Thanks again for your advice!
  11. Hi: My limits: Amex: Limit $28K; Balance: $5,000 Disco: Limit: $11,400. Balance $2,000 Cap 1 Quicksilver: Limit $5K; Balance $1,700. DCU Visa: Limit $7,500. Zero balance Chase Freedom:Limit $7K. Zero balance. Chase Amazon Rewards: Limit $6K. Zero balance. So six cards, not seven. And my debt is more like $8,700. Yikes! I make $61K. The Freedom is the oldest. Amazon Rewards is the newest. The ones with the balances are the ones coming upon expiration of the zero interest period. Thanks so much for any advice you can give!
  12. Hi, I haven’t posted in a while but I have been reading a lot here. Here’s my situation: I went on a mini app spree last May and am now coming up on the end of my zero interest promotion period. I have about $7K debt across three cards. Credit score is good – 738 as of last check of FICO. I’m hoping to get your advice on how best to proceed to handle the debt without being slammed with the interest. I can either try opening a new cc and hope to get one with a high enough balance so I can transfer all the debt and not have to worry about my util, or I can try apping DCU for a personal loan. I was thinking of trying for Chase Slate or the new Chase Freedom Unlimited, but they’re notorious for starting with low CLs – although I do have two other Chase cards that I could consolidate. Any advice for me on either of these two options? Or any other ideas? I have a clean file with a 1.5 year average age of accounts, and 7 cards total. I can pay this off in about five months but interest would be brutal. My rates range from 13 to 18 percent. Thanks as always for your help! Edited to add that my Chase cards are a 2-year-old Freedom and an Amazon rewards card opened 6 months ago. I don't think that puts me near their internal limit.
  13. Wow! I just got a $4K increase, raising my credit line on this card to $9,700. When I first got the card in May they started me with a $3K limit and and I tried for a CLI just over three months ago and got an added $2,700. I'm at about 30% util on all my cards but at about 40% util on this one (I'm still in the 0% introductory period so I've been holiday shopping on it heavily and carrying a balance) so I'm really shocked that they approved me with such a generous increase. Especially since I tried for an increase about a month ago and was declined for "insufficient experience." Yay!! Thanks guys!! Good luck with your apps.

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