So I've been gardening the past 18 months. Decided to apply for discover for the $50 gift card and for the 2x cash back and the 0% for my upcoming iPhone purchase and hopefully new Apple watch as well. 18 months ago my highest SL was $12.5k from Navy Fed. Today I got $22K from Discover! I just turned 24 with AAOA of 2 years! That's so awesome!! Yay! I know it will go with soft pulls in the future 