so I apped discover

[themanwhocan]

Fecal tactic for cli required with discover

 

On the contrary, learning how to deal with each credit card company on its own terms is all a part of the "game".

 

This is no different than applying for a Chase card in order to get a sign up bonus and large credit limit, and then transferring some or all of the limit to a different Chase card. IE, knowing that getting a small CLI from Chase is difficult, but getting a large limit on another card and transferring limits is a piece of cake with Chase.

 

Whereas with FNBO, calling in every 4 months and asking if a credit increase is already pre-approved is a great way to get SP CLI's, and some people have gotten $5000 SP increases this way. FNBO can be generous with credit limits, if you know how they like to be treated.

 

And everyone should know the American Express 3X rules by now. It hardly bears repeating.

 

So, every company has its quirks and methods. I see no point in insulting credit company knowledge when it is presented. Rather, try to use the knowledge for your advantage.

[PotO]

$10K is a very respectable limit.

BW has said that he has MANY cards with CLs below $10K.

For YOU maybe respectable. For others, not.

 

If BW farts, are you going to, too? $10k limits might be ok for certain cards. I've got one store card and it's under $10k, but it serves a purpose. Discover, for me, really served no purpose until CV mentioned the reverse-AF. Oh, and the infamous $500 hard pull CLI is not a "purpose."

 

Far more than once it's been postulated on CB that Discover is good primarily to those with credit hiccups and / or those who use the hell out of the card.

Edited February 23, 2015 by PotO

[Pam]

 

$10K is a very respectable limit.

BW has said that he has MANY cards with CLs below $10K.

For YOU maybe respectable. For others, not.

 

If BW farts, are you going to, too? $10k limits might be ok for certain cards. I've got one store card and it's under $10k, but it serves a purpose. Discover, for me, really served no purpose until CV mentioned the reverse-AF. Oh, and the infamous $500 hard pull CLI is not a "purpose."

 

Far more than once it's been postulated on CB that Discover is good primarily to those with credit hiccups and / or those who use the hell out of the card.

 

 

Really necessary?

[PotO]

 

 

$10K is a very respectable limit.

BW has said that he has MANY cards with CLs below $10K.

 

For YOU maybe respectable. For others, not.If BW farts, are you going to, too? $10k limits might be ok for certain cards. I've got one store card and it's under $10k, but it serves a purpose. Discover, for me, really served no purpose until CV mentioned the reverse-AF. Oh, and the infamous $500 hard pull CLI is not a "purpose."

Far more than once it's been postulated on CB that Discover is good primarily to those with credit hiccups and / or those who use the hell out of the card.

Really necessary?

I think you understand the point.

 

I'm sure we've seen there are so many moving parts to this game that it's very disingenuous to say that what's good for X is always good for Y. Bob may have a strategy or non-strategy that others don't have. He may be far more patient than others with non-performing assets. To imply that a $10k Discover is noble for all just because he has cards under $10k is disingenuous.

[breeze]

 

 

 

$10K is a very respectable limit.

BW has said that he has MANY cards with CLs below $10K.

For YOU maybe respectable. For others, not.If BW farts, are you going to, too? $10k limits might be ok for certain cards. I've got one store card and it's under $10k, but it serves a purpose. Discover, for me, really served no purpose until CV mentioned the reverse-AF. Oh, and the infamous $500 hard pull CLI is not a "purpose."

Far more than once it's been postulated on CB that Discover is good primarily to those with credit hiccups and / or those who use the hell out of the card.

Really necessary?

I think you understand the point.

 

I'm sure we've seen there are so many moving parts to this game that it's very disingenuous to say that what's good for X is always good for Y. Bob may have a strategy or non-strategy that others don't have. He may be far more patient than others with non-performing assets. To imply that a $10k Discover is noble for all just because he has cards under $10k is disingenuous.

 

 

http://www.amazon.com/How-Win-Friends-Influence-People/dp/0671027034#

[InsultComicDog]

So if you have a 10k Discover Card and are somehow insulted by the size of the limit, how does it benefit you to cancel the card as opposed to just sockdrawering it?

[HoustonLynne]

 

 

 

 

$10K is a very respectable limit.

BW has said that he has MANY cards with CLs below $10K.

For YOU maybe respectable. For others, not.If BW farts, are you going to, too? $10k limits might be ok for certain cards. I've got one store card and it's under $10k, but it serves a purpose. Discover, for me, really served no purpose until CV mentioned the reverse-AF. Oh, and the infamous $500 hard pull CLI is not a "purpose."

Far more than once it's been postulated on CB that Discover is good primarily to those with credit hiccups and / or those who use the hell out of the card.

Really necessary?

I think you understand the point.

 

I'm sure we've seen there are so many moving parts to this game that it's very disingenuous to say that what's good for X is always good for Y. Bob may have a strategy or non-strategy that others don't have. He may be far more patient than others with non-performing assets. To imply that a $10k Discover is noble for all just because he has cards under $10k is disingenuous.

 

 

http://www.amazon.com/How-Win-Friends-Influence-People/dp/0671027034#

 

[PotO]

 

 

 

 

$10K is a very respectable limit.

BW has said that he has MANY cards with CLs below $10K.

 

For YOU maybe respectable. For others, not.If BW farts, are you going to, too? $10k limits might be ok for certain cards. I've got one store card and it's under $10k, but it serves a purpose. Discover, for me, really served no purpose until CV mentioned the reverse-AF. Oh, and the infamous $500 hard pull CLI is not a "purpose."

Far more than once it's been postulated on CB that Discover is good primarily to those with credit hiccups and / or those who use the hell out of the card.

Really necessary?

I think you understand the point.

I'm sure we've seen there are so many moving parts to this game that it's very disingenuous to say that what's good for X is always good for Y. Bob may have a strategy or non-strategy that others don't have. He may be far more patient than others with non-performing assets. To imply that a $10k Discover is noble for all just because he has cards under $10k is disingenuous.

http://www.amazon.com/How-Win-Friends-Influence-People/dp/0671027034#

Thanks, mom. I'll buy that after I use CV's reverse-AF method to collect $10 from Discover.

[PotO]

So if you have a 10k Discover Card and are somehow insulted by the size of the limit, how does it benefit you to cancel the card as opposed to just sockdrawering it?

It's not that the limit is insulting, but it's a card that doesn't grow. How many Discover crowbar's have you seen?

 

Actually, Disco is on my chop list. It has been in the SD for a long, long time and only somewhat recently paroled because it is good to use in China. Once that advantage is eliminated, it's two spots away on my accounting program's list to be nuked. For me, the SD is for plastic which could somehow, somewhere have some redeeming financial quality or somehow make life easier. Otherwise, it just occupies valuable, limited space in my accounting program and I need to remember to pull it out for fresh air every couple of months to keep it active. For me, it's not worth it. I'd rather waste the time nursing a $250 Barnes & Noble MC that actually plays an important role and, if I so desired, could be at $25k tomorrow.

[mendelssohn]

My point was that there are people with $100K+ limits on a single card that don't thumb their nose at $10K, or even less.

 

$10K is a respectable limit, and certainly more than enough to take advantage of the 5% categories.

[PotO]

My point was that there are people with $100K+ limits on a single card that don't thumb their nose at $10K, or even less.

$10K is a respectable limit, and certainly more than enough to take advantage of the 5% categories.

And my point is that there are people who pick their nose and eat it. Each person has different needs, strategies and patience levels.

 

For you $10k is respectable. Great. For me $10k on a 1% card -- except for jumping through hoops when there is a quarterly 5% that may be useful and which is limited at $1.5k spend -- is about as useful as a screen door on a submarine. At least with Freedom you can build it up to a very healthy limit. How many $50k Discos have you had? And unless Disco gets a lobotomy, you never will have one. Ever.

 

You know as well as anybody that the general consensus on CB is that Disco is optimal for those with blemished credit and / or thin files as well as those with needs of a low threshold spending card which they are willing to put in the #1 wallet slot.

Edited February 23, 2015 by PotO

[Konrad2012]

My point was that there are people with $100K+ limits on a single card that don't thumb their nose at $10K, or even less.

$10K is a respectable limit, and certainly more than enough to take advantage of the 5% categories.

My Disco sits at $3K and might forever. I will never waste my time calling them or taking a hard pull for a CLI again.

 

The $3K lets me max out the $1500 quarterly with wiggle room, and that's all this turd is good for.

 

Using it for anything other than a quarterly if you have a card you can get an MR, UR or mile for the same spend is just plain someone being stupid. Period

[PotO]

 

My point was that there are people with $100K+ limits on a single card that don't thumb their nose at $10K, or even less.

$10K is a respectable limit, and certainly more than enough to take advantage of the 5% categories.

My Disco sits at $3K and might forever. I will never waste my time calling them or taking a hard pull for a CLI again.

The $3K lets me max out the $1500 quarterly with wiggle room, and that's all this turd is good for.

Using it for anything other than a quarterly if you have a card you can get an MR, UR or mile for the same spend is just plain someone being stupid. Period

You have more patience than I do.

 

I can't be bothered to keep track of what category is currently running and to sign up. Then you have to let the card occupy one of very limited spaces in my CC wallet just for limited use for certain categories.

 

It reminds me why I don't bother with chicken wings -- too much sloppy effort for too little meat.

[mrjuggalo9er]

 

$10K is a very respectable limit.

BW has said that he has MANY cards with CLs below $10K.

For YOU maybe respectable. For others, not.

 

If BW farts, are you going to, too? $10k limits might be ok for certain cards. I've got one store card and it's under $10k, but it serves a purpose. Discover, for me, really served no purpose until CV mentioned the reverse-AF. Oh, and the infamous $500 hard pull CLI is not a "purpose."

 

Far more than once it's been postulated on CB that Discover is good primarily to those with credit hiccups and / or those who use the hell out of the card.

 

10k that never grows is not respectable

i have credit union cards that offer 1%

[mendelssohn]

 

My point was that there are people with $100K+ limits on a single card that don't thumb their nose at $10K, or even less.

$10K is a respectable limit, and certainly more than enough to take advantage of the 5% categories.

And my point is that there are people who pick their nose and eat it. Each person has different needs, strategies and patience levels.

 

For you $10k is respectable. Great. For me $10k on a 1% card -- except for jumping through hoops when there is a quarterly 5% that may be useful and which is limited at $1.5k spend -- is about as useful as a screen door on a submarine. At least with Freedom you can build it up to a very healthy limit. How many $50k Discos have you had? And unless Disco gets a lobotomy, you never will have one. Ever.

 

You know as well as anybody that the general consensus on CB is that Disco is optimal for those with blemished credit and / or thin files as well as those with needs of a low threshold spending card which they are willing to put in the #1 wallet slot.

 

 

It's none of my business if you like to pick your nose and eat it, and that has nothing to do with this discussion.

 

This card is USELESS beyond the 5% categories, so a $10K limit is more than you would ever need. That doesn't mean that you shouldn't want a higher limit, but that's purely for vanity, not usefulness.

 

I don't even really like Discover, so I don't know why you're trying to start an argument with me (as usual) over nothing.

[mendelssohn]

 

 

$10K is a very respectable limit.

BW has said that he has MANY cards with CLs below $10K.

For YOU maybe respectable. For others, not.

 

If BW farts, are you going to, too? $10k limits might be ok for certain cards. I've got one store card and it's under $10k, but it serves a purpose. Discover, for me, really served no purpose until CV mentioned the reverse-AF. Oh, and the infamous $500 hard pull CLI is not a "purpose."

 

Far more than once it's been postulated on CB that Discover is good primarily to those with credit hiccups and / or those who use the hell out of the card.

 

10k that never grows is not respectable

i have credit union cards that offer 1%

 

 

You should really fix that type in your signature.

[InsultComicDog]

My point was that there are people with $100K+ limits on a single card that don't thumb their nose at $10K, or even less.

 

$10K is a respectable limit, and certainly more than enough to take advantage of the 5% categories.

Yeah, exactly.

[mendelssohn]

 

 

 

 

 

$10K is a very respectable limit.

BW has said that he has MANY cards with CLs below $10K.

For YOU maybe respectable. For others, not.

 

If BW farts, are you going to, too? $10k limits might be ok for certain cards. I've got one store card and it's under $10k, but it serves a purpose. Discover, for me, really served no purpose until CV mentioned the reverse-AF. Oh, and the infamous $500 hard pull CLI is not a "purpose."

 

Far more than once it's been postulated on CB that Discover is good primarily to those with credit hiccups and / or those who use the hell out of the card.

10k that never grows is not respectable

i have credit union cards that offer 1%

You should really fix that type in your signature.

Wow, I meant typo.

[breeze]

Let's have a contest to see who can come up with the most disgusting bodily function analogy. Then we can proof read signatures.

 

 

[HoustonLynne]

Let's have a contest to see who can come up with the most disgusting bodily function analogy. Then we can proof read signatures.

 

 

[cv91915]

Let's have a contest to see who can come up with the most disgusting bodily function analogy. Then we can proof read signatures.

 

 

 

I'm too much of a gentleman to oblige.

[InsultComicDog]

Let's have a contest to see who can come up with the most disgusting bodily function analogy. Then we can proof read signatures.

 

 

Bank of America is like worms in my stool. I don't need them.

[themanwhocan]

Let's have a contest to see who can come up with the most disgusting bodily function analogy. Then we can proof read signatures.

 

 

 

I'll have to poo-poo that idea.

[mrjuggalo9er]

Let's have a contest to see who can come up with the most disgusting bodily function analogy. Then we can proof read signatures.

 

 

Discover reminds me to shake "IT" no more than three times after using the bathroom.

 

The typo in my signature is completely intentional and has been pointed out before, I leave it there to annoy that one "special" person!

[InsultComicDog]

 

Let's have a contest to see who can come up with the most disgusting bodily function analogy. Then we can proof read signatures.

 

 

Discover reminds me to shake "IT" no more than three times after using the bathroom.

 

The typo in my signature is completely intentional and has been pointed out before, I leave it there to annoy that one "special" person!

 

Aah.

 

Aahz.