I got this offer in the mail from discover.
I get offers from time to time, and never used them because they were never the right fit for me.
This one seems promising,
The offer is:
0% APR for 12 months,
APR is 12.99-15.99%
no AF, double cashback, 5% categories.
and free FICO score tracking.
I already have a card with 0% apr now(freedom), but i do not have a discover yet, and i do like the fico score tracking.
Is that score tracker better than the cap1 free credit tracker(TU)?
I have a long invitation number in the letter.
My file is thin but perfect, less than a year since I started with credit cards.PIF all the time, never payed intrest.
I have so far Bank of America Cash Rewards,Cap1 Platinum Mastercard,Statfarm Bank Visa, Chase Freedom, and the amazon store card with syncbank.
So I have 4 creditcards, 1 store and I have a car loan, 12k with state farm bank. All cards are 20%+ APR...
I do want a Discover and an Amex in my wallet, but i do not want to risk a denial. I have 11 HPs on my TU report for my cards and car loan/insurance,and my score on it is 708(Cap1 credit tracker, i do not know my real score, but i was approved for the freedom for $2200 in january, and it did not report yet.)
Is this a good offer with the lowish APR?
If the fico score tracking is good i will probably apply.
UPDATE: After uploading documents, couple hours later I was approved for $5900 limit! Waiting for the welcome kit!