Discover BT Offer

[Willy13]

I just got a phone call from Discover reminding me that I have a 1.99% BT offer currently. They were trying to get me to transfer a balance into that card. I already have about an 80% utilization on that card. When I told them I didn't have a balance I would like to transfer they then said "We can transfer it directly into your checking account if you like". They were really pushing it. I was so tempted to dump one of my little cards into that account and dare them to object later when I file bankruptcy. My defense would be "Discover told me to do it. It was their suggestion". Unbelievable, they literally want me to max out that card.

Dont worry, I didn't break my voluntary freeze on using any of my cards. But one thing I know, Discover better not dare to object to any of my past card use after this.

[mrbsf]

I just got a phone call from Discover reminding me that I have a 1.99% BT offer currently. They were trying to get me to transfer a balance into that card. I already have about an 80% utilization on that card. When I told them I didn't have a balance I would like to transfer they then said "We can transfer it directly into your checking account if you like". They were really pushing it.

This is a perfect example of the greed and "loan shark" mentality of the CC companies. Did they mention the huge BT fee and the fact that once your card was maxed out, they would probably raise your interest rate for having too high a balance? Hmm, I'm guessing not.

[Willy13]

they would probably raise your interest rate for having too high a balance? Hmm, I'm guessing not.

That's exactly what I was thinking while talking to them. I should have asked them, how long until you guys raise my rates after I load the card up.