I think I might be in love with Discover

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
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432521
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I think I might be in love with Discover

Postby 432521 » Mon May 20, 2013 8:46 pm

So my intro 0% APR ended last statement and it went to 13.99%. I have been trying to figure out how to get it lowered, but was scared because like I said my Intro rate just ended. For the past couple days I have been trying to get onto Discover Chat, but the damn button would not pop up so I just gave up, I was just doing my daily financial checks with all the banks I have cards with and finally a discover rep chat thing popped up and asked if I needed help. Talked to a super nice lady about seeing if I can talk to someone who can help me with lowering my APR fully expecting her to tell me that since my Intro APR just ended they couldn't do anything. After literally a minute in talking to her and giving her my full name she tells me "I am happy to reduce your rate on new purchases to a variable 11.99%. " Well I'll be damn, I made sure to ask her if she did a hard pull because if she did I would have been super mad but she assures me "Not at all! *smile*". So as of right now my Discover It card the card with the lowest APR for me because while my Freedom and BCE are still in 0% APR they will be around 15.99-20.99% when the Intro rates end and my WellsFargo card is in the mid to late teens as well.

While I know that some people on the board hate Discover because they are so stingy with their Credit Limits I am currently a very happy customer. They started me at 2,500 about a year ago and at the time it was my highest credit limit. Although I had to do a manual ask for my CLI thus costing me a hard pull I was still happy, and as I have just learned I was using my card "wrong" by not letting a balance ever reporting by paying my statements to 0 well before it closed thinking it would help me get auto CLIs with them, because they want to see something report so now I plan on leaving 200-300 every month for about 6 months to see if they will give me an Auto and if they don't I know that I can talk to a rep online and they should be able to help me because they always have.

Sorry for the long post, just super excited about being able to lower my APR, in another 6 month to a year I will ask again and hopefully I can get it down below the 10% threshold... then I will feel that my early financial goals are coming to life lol.
March 2011- Wellsfargo Cash Back College Card
May 2012- Chase Freedom
May 2012- Discover IT
August 2012- American Express Blue Cash Everyday


KrazyNick
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Postby KrazyNick » Mon May 20, 2013 8:54 pm

Congrats I think I'm at 13.99% on my discover. I would love to get to 11.99% that's what my Chase Freedom is! I really like Discover too! The stingy credit limit doesn't bother me, but some people who have 20k+ limits on other cards get stuck with a 2-3k with Discover!
Bank of America Travel Rewards Visa Signature - 5k (2/10)
Capital One Mastercard- 2.5k (1/11)
Chase Freedom- 5k (4/11)
Discover It- 3k (5/11)
Chase Amazon Visa- 2k (5/13)
American Express Blue Cash Everyday- 8k (5/13)

Bank of America WorldPoints Rewards for Business- 18k (11/11)

MemberSince99
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Postby MemberSince99 » Mon May 20, 2013 9:26 pm

Congrats I'm glad it's working for you.

I thought about it, and I'm not the type of customer they want. I refuse to carry a balance on any card. I think it's really a matter of I'm just not what they are looking for, and vice versa really.

But I'm glad it is working out well for you and congratulations.

432521
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Postby 432521 » Mon May 20, 2013 9:47 pm

MemberSince99 wrote:Congrats I'm glad it's working for you.

I thought about it, and I'm not the type of customer they want. I refuse to carry a balance on any card. I think it's really a matter of I'm just not what they are looking for, and vice versa really.

But I'm glad it is working out well for you and congratulations.


I totally understand about not carrying a balance thing either, but with me I always let everything report ZERO before. After doing more research I hear more and more of people should put a 1-10% utilization for higher credit scores so I am going with that for now. And the thing is I will not be paying ANY interest because I will pay my statement the day I get an email from Discover saying that my new statement is ready for me.

And while I say will not be paying interest I am thinking about my future right now, I am 20 years old and I am starting an internship with a super major this june and hopefully will be offered a full time position for when I graduate next may and I understand that things can and probably will go wrong and their maybe a time where I will be forced into a situation where I will be carrying a balance and I want to work with all the companies I am with now to get everything as low as it can possibly go just in case something ever does happen. I will not be buying a home any time soon because in my culture there is no rush in moving out, my parents are never going to tell me "get out" and I love it because I love my mom and dad and living with them has been a privilege and when I do finally start making good money my parents know that they can depend on me to pay the bills.
March 2011- Wellsfargo Cash Back College Card
May 2012- Chase Freedom
May 2012- Discover IT
August 2012- American Express Blue Cash Everyday

MemberSince99
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Location: WI

Postby MemberSince99 » Mon May 20, 2013 10:00 pm

That's really awesome! What is your major? Sounds like you have a very healthy life and that's great thing, very supportive family and your head is on right.

432521
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Postby 432521 » Mon May 20, 2013 10:05 pm

I am a Management Information Systems major
March 2011- Wellsfargo Cash Back College Card
May 2012- Chase Freedom
May 2012- Discover IT
August 2012- American Express Blue Cash Everyday

MemberSince99
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Postby MemberSince99 » Mon May 20, 2013 10:07 pm

I work in IT too, a programmer. Computer Science was my major.

432521
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Postby 432521 » Mon May 20, 2013 10:15 pm

Wow I hope your making great money lol, with the type of work that programmers do they better get paid well. I am more of a hardware person myself but my school doesn't offer a major that really deals with what I wanted to do back in 2010 so I chose MIS. Never really thought about Computer Science because even though I am asian I hate math with a passion. This is not to say I didn't get all A's in all my math courses... lol cause I did its just it's not something I can really retain and from what I understand if you know math and coding work wonders together and while I can do "book math" I usually just learn it for tests and my brain can't retain it. My brother just graduated with a CS degree and he got a really high paying job right off the bat, so jealous.
March 2011- Wellsfargo Cash Back College Card
May 2012- Chase Freedom
May 2012- Discover IT
August 2012- American Express Blue Cash Everyday

MemberSince99
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Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Tue May 21, 2013 5:36 am

Actually my pay has been static for the last roughly 4 or 5 years - hasn't really changed at all. Worse, I've had people tell me I'm overpaid recently. With the economic downturn they want us all making 5 dollars an hour these days. The last interview I had consisted of the guy spending most of the hour trying to beat me down to half my current pay level. So IT has not been immune to what's going on.

But the pay is ok, except that taxes keep going up and up, as does inflation (no matter what the government says in the "real world" it's going up) and health costs, but not pay. I laugh when I see these schools that tell prospective students who they will start making more than I make after doing this for 15 years. Good luck with that.

Calculus was a real struggle for me too I don't know how I passed it. I had to survive 3 semesters of it. Algebra was easy. Programming in the real world is nothing like they teach you in college. I went to UW (Wisconsin) and they had these Sun workstations that used NOTHING current even in the 90s when I went and there was very little that was truly relevant. I had a class in assembly language for the RISC chip and the professor was hyping how the RISC chip was the next big thing and we all better get onboard the train. As I'm sure you know, that flopped big time in terms of PCs.

Good for your brother just hang in there if this is really what you love, you should be fine. I used to love it, still do enjoy solving problems, just don't enjoy the BS that goes with it anymore. But I've been doing it a while and it's hard to change. Maybe this area in Wisconsin is kind of dead too.

Sevenfeet
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Postby Sevenfeet » Tue May 21, 2013 9:24 am

If Discover is working for you and treating you well, then I think we're all happy that you consider yourself a satisfied customer.
Cards:
American Express Platinum (NPSL)
Penfed Platinum Reward Visa ($28K)
Chase Freedom Visa ($25K)
Fidelity American Express ($20K)
American Express Blue Cash Preferred ($20K)
Bank of America Cash Rewards MasterCard ($20K)
Citi Thank You Preferred Visa ($9.5K)
Chase Sapphire Preferred ($7.5K)
US Bank Cash + Visa Signature ($7K)
Discover IT ($4K)



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