I decided to pull the trigger and apped online, Discover IT said sorry we won’t approved for 0% etc…(Of course I knew that!) BUT they asked me (online) if I’d take a card with higher rate but no AF which I took it since I always PIF so APR isn’t of a concern to me now!
Approved with $ 1,600 limit!
So now I have Merrick Visa ($ 600) opened August 2015, Barclay Rewards MC $ 1,500 opened September 2015 and today with Discover IT for $ 1,600!
I was thinking since 3 cards would be perfectly enough for me to rebuild my credit after a divorce that wrecked my 800+ FICO scores couple years ago. My concern is would Merrick Visa waive $ 72 AF when it’s due August 2016? If it’s highly unlikely then I should app one more card and then prepare to close Merrick before August 2016. Thoughts?
Thanks everyone! *whew*