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so I apped discover

mrjuggalo9er

By mrjuggalo9er,
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PotO

PotO

Posted
Posted (edited)

 

 

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.

At least you have abandoned the weak-minded theory of "if X wipes their culo with sandpaper then everybody should be happy to do so." Congrats!

 

Not everybody is scrounging for money and needs to play the Disco Will-I-Actually-Get-My-5%-Roulette. Of the four quarters in 2015, the only thing that could possibly interest me is the quarter for gas and the quarter or restaurants. So, to get $150 I need to put Disco into one of three slots effectively replacing a card that is good for more than just gas. I'd rather keep AARP in that slot which gives 3% for both categories all year round with no limits and that has a limit that can actually get you somewhere.

 

It's worth the $60 per year I "lose" not to have to keep track of what to put Disco in my wallet, keep a tab of when the $1500 limit is reached and having to remember when to sign up for the next decent quarter. But if $60 is that crucial for you, my condolences. May I suggest dumpster diving? I hear cardboard prices are up.

Edited by PotO
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mendelssohn

mendelssohn

Posted
Posted

 

 

 

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.

At least you have abandoned the weak-minded theory of "if X wipes their culo with sandpaper then everybody should be happy to do so." Congrats!

 

Not everybody is scrounging for money and needs to play the Disco Will-I-Actually-Get-My-5%-Roulette. Of the four quarters in 2015, the only thing that could possibly interest me is the quarter for gas and the quarter or restaurants. So, to get $150 I need to put Disco into one of three slots effectively replacing a card that is good for more than just gas. I'd rather keep AARP in that slot which gives 3% for both categories all year round with no limits and that has a limit that can actually get you somewhere.

 

It's worth the $60 per year I "lose" not to have to keep track of what to put Disco in my wallet, keep a tab of when the $1500 limit is reached and having to remember when to sign up for the next decent quarter. But if $60 is that crucial for you, my condolences. May I suggest dumpster diving? I hear cardboard prices are up.

I don't even use my Discover. I'm just making a point.

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InsultComicDog

InsultComicDog

Posted
Posted

 

 

 

 

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.

At least you have abandoned the weak-minded theory of "if X wipes their culo with sandpaper then everybody should be happy to do so." Congrats!

 

Not everybody is scrounging for money and needs to play the Disco Will-I-Actually-Get-My-5%-Roulette. Of the four quarters in 2015, the only thing that could possibly interest me is the quarter for gas and the quarter or restaurants. So, to get $150 I need to put Disco into one of three slots effectively replacing a card that is good for more than just gas. I'd rather keep AARP in that slot which gives 3% for both categories all year round with no limits and that has a limit that can actually get you somewhere.

 

It's worth the $60 per year I "lose" not to have to keep track of what to put Disco in my wallet, keep a tab of when the $1500 limit is reached and having to remember when to sign up for the next decent quarter. But if $60 is that crucial for you, my condolences. May I suggest dumpster diving? I hear cardboard prices are up.

I don't even use my Discover. I'm just making a point.

 

I haven't used mine in years. But I never had an issue with Discover. They got me good BT's when I needed them. That was a long time ago. Now I still have their cards. I don't use them, but they don't seem to mind. I stopped using them years ago because why should I use a card that isn't doing anything special for me and isn't accepted everywhere like a Visa/MC? But it's not as if they ever did me wrong, and their CSR's never gave me attitude which is more than I can say for a couple of other card providers.

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PotO

PotO

Posted
Posted (edited)

 

 

 

 

 

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.

At least you have abandoned the weak-minded theory of "if X wipes their culo with sandpaper then everybody should be happy to do so." Congrats!

Not everybody is scrounging for money and needs to play the Disco Will-I-Actually-Get-My-5%-Roulette. Of the four quarters in 2015, the only thing that could possibly interest me is the quarter for gas and the quarter or restaurants. So, to get $150 I need to put Disco into one of three slots effectively replacing a card that is good for more than just gas. I'd rather keep AARP in that slot which gives 3% for both categories all year round with no limits and that has a limit that can actually get you somewhere.

It's worth the $60 per year I "lose" not to have to keep track of what to put Disco in my wallet, keep a tab of when the $1500 limit is reached and having to remember when to sign up for the next decent quarter. But if $60 is that crucial for you, my condolences. May I suggest dumpster diving? I hear cardboard prices are up.

I don't even use my Discover. I'm just making a point.

I haven't used mine in years. But I never had an issue with Discover. They got me good BT's when I needed them. That was a long time ago. Now I still have their cards. I don't use them, but they don't seem to mind. I stopped using them years ago because why should I use a card that isn't doing anything special for me and isn't accepted everywhere like a Visa/MC? But it's not as if they ever did me wrong, and their CSR's never gave me attitude which is more than I can say for a couple of other card providers.

I totally agree that Discover CSRs are, in general, nice people and pleasant to deal with. But then again I suppose I've been lucky and haven't encountered any with attitude issues from any of my card issuers, though there have been the occasional overseas CSRs that have had language / product knowledge issues.

 

Nice and pleasant ... but not necessarily competent or even reasonably bright. With Discover Bank, it has now been twice that they've posted checks written by some other Discover Bank account holder to my account. Each time they insisted they needed 14 days to "investigate" before returning my money and it took LARTing them to get my money back within hours. A dyslexic hamster could have investigated the issue in ten seconds and come up with the correct results.

 

Some will say that's Discover banking side and not card side. Fair enough. On the Discover Card side there has always been the pesky little issue with never being able to request a CLI online. When attempting to an online CLI, there would always be an error that the function could not be completed online and it was necessary to call in. There have been numerous others who have reported the same issue. Finally I decided to find out WTF was going on. Nobody knew anything. Finally I got a moron from their EO who knew about the issue and stated, "some accounts cannot get online limit increases." Well, no sh!t. When pressed as to why, she couldn't say and just pathetically regurgitated the "some accounts cannot ... hopefully some day all accounts will be eligible" crock of sh!t. Another LART, and Bingo! Now the function is enabled. If I wanted a hard pull $500 CLI I can now get it online.

 

As nice as they are, I'd much rather keep my dealings with purple chimps narrowed down to Monkey Mountain when I take my kids to the zoo.

 

The card itself is of no value unless you want / need the extra few bucks in rewards. In general, Discover limits suck. Discover prybars are virtually nonexistent. If you often have major spending needs, a $10k Discover limit doesn't come close. I guess one positive is that it has no foreign transaction fees, but then when it comes to overseas use Discover is crippled. Sure, if you travel often to Japan or China, Discover is THE card for you. If not, it's a turd overseas.

 

For someone with credit hiccups, a thin file or who has low expectations / needs regarding credit limits, Discover is good for them. It's also good for those who need a few extra bucks in rewards. Other than that, it's a turd. But the CSRs are nice.

Edited by PotO
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Well, I've had B of A reps who were happy to blame me for everything they screwed up even when I was able to prove they were wrong.

 

Same here. Their EO is even worse than the frontline CSRs. My hatred for BOA runs very deep.

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InsultComicDog

InsultComicDog

Posted
Posted

 

Well, I've had B of A reps who were happy to blame me for everything they screwed up even when I was able to prove they were wrong.

Same here. Their EO is even worse than the frontline CSRs. My hatred for BOA runs very deep.

 

Yeah, I think their motto is "we're sorry... that you f'ed up."

 

That, and "it's never our fault even if you can prove it".

 

It was little stuff, but it was more than once, and to me that's not "prime" service. That's subprime service.

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InsultComicDog

InsultComicDog

Posted
Posted

BofA CSR's, analysts etc have always done me right...even with dirty reports. They took my long term banking relationship into account and fast tracked my rebuilding.

 

Like everything, YMMV

 

Yeah, not terribly surprised and other people have told me the same thing. What can I say? Wasn't my experience. And I never had a banking relationship with them other than credit cards. Furthermore, these grudges I have are probably 10 years old by now.

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Iamawriter

Iamawriter

Posted
Posted

I can count the number of times on one hand that I have used my Discover card since I got it during my app spree two years ago and haven’t used it at all in the last year. Discover was the only one to give me a luv button CLI during my belated holiday semi-spree last week. It was a whopping $1,500 up to a $16,500 line…ugh… Called and asked for an increase to $20K and got $19,500. After reading this thread, I should probably be less excited, but am always glad to get a CLI and the free FICO is nice.

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Cactus Flower

Cactus Flower

Posted
Posted (edited)

Why does everyone rip Discover on the Credit Limits. I have sub 700 scores and they gave me over 10k startin

 

I love my discover card. Still not sure why everyone complains about it. People seem to equate it to crap1.

 

Love mine... have only had it a few years and I'm up to a $21,400 credit limit. :)

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mrjuggalo9er

mrjuggalo9er

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Posted

 

Why does everyone rip Discover on the Credit Limits. I have sub 700 scores and they gave me over 10k startin

 

I love my discover card. Still not sure why everyone complains about it. People seem to equate it to crap1.

Love mine... have only had it a few years and I'm up to a $21,400 credit limit. :)

My nasa card took 1 year to get to 24k

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