topic Re: My attempt at a Discover CLI.. in Credit Cards

My attempt at a Discover CLI..

WhirledPeasPlease — Sat, 28 Jun 2008 16:43:13 GMT

So, I'm leaving on a few vacations here shortly and I thought OOH, it's a good time to see what Discover can do for me. They 'warned' me when I got the card that it would probably take 6 months for a CLI. (I'm sitting at 1.1k, 3rd lowest TL out of 12.)

For entertainment purposes only I called to see if there was anything that could be done w/o a hard inq. The nice CSR said "No worries, I can pull a soft inquiry that will not affect your score." Uh huh. I checked my EX for softs/hards and I don't see anything. I can't pull TC until later in the day to be sure they didn't hard EQ/TU.

She also reminded me that it will probably take 6 months before they will allow it w/ a soft, and that I've only had the card for 4 months.

Sure enough, no CLI. You bet I'll call back in 2 months. In the meantime, I'll update this post if I see any hards!

I just love my Discover More card. I was looking over my past statements and noticed that I earned more than 20 bucks in cash back for the first quarter of the year. I asked her about this and was told that the cap for the first quarter was 5 percent on up to 800 in purchases, instead of the normal 400.

I hope this helps somebody!

Re: My attempt at a Discover CLI..

WhirledPeasPlease — Mon, 30 Jun 2008 00:57:23 GMT

Just a quick update: No hard inquiries! YAY!

Re: My attempt at a Discover CLI..

cheddar — Mon, 30 Jun 2008 01:02:06 GMT

WhirledPeasPlease wrote:

Just a quick update: No hard inquiries! YAY!

Excellent! Good luck when you call back in a few months. Because we all know you will be calling back.

Re: My attempt at a Discover CLI..

WhirledPeasPlease — Mon, 30 Jun 2008 01:08:25 GMT

Uh huh. August 26, 2008 -- I'll be all over it!

;)

Re: My attempt at a Discover CLI..

UpUpUp — Wed, 20 Aug 2008 22:19:33 GMT

*bump* Just wanted to remind you the 26th is around the corner...:smileyvery-happy:

Re: My attempt at a Discover CLI..

islandchild82 — Thu, 21 Aug 2008 07:31:56 GMT

UpUpUp wrote:
*bump* Just wanted to remind you the 26th is around the corner...:smileyvery-happy:

Lol, it is! Good luck, Peas!

Re: My attempt at a Discover CLI..

UpUpUp — Wed, 27 Aug 2008 01:04:15 GMT

Okay, for the sake of noting that I'm not stalking this thread, I'll let it be known that I just did a search for Discover and CLI on google and this was one of the first 3 links.

Now that I have that out of the way....I do believe today is the big day....

Message Edited by UpUpUp on 08-26-2008 09:04 PM

Re: My attempt at a Discover CLI..

Andrew_Garcia_4918 — Wed, 27 Aug 2008 01:21:06 GMT

WhirledPeasPlease wrote:
So, I'm leaving on a few vacations here shortly and I thought OOH, it's a good time to see what Discover can do for me. They 'warned' me when I got the card that it would probably take 6 months for a CLI. (I'm sitting at 1.1k, 3rd lowest TL out of 12.)

For entertainment purposes only I called to see if there was anything that could be done w/o a hard inq. The nice CSR said "No worries, I can pull a soft inquiry that will not affect your score." Uh huh. I checked my EX for softs/hards and I don't see anything. I can't pull TC until later in the day to be sure they didn't hard EQ/TU.

She also reminded me that it will probably take 6 months before they will allow it w/ a soft, and that I've only had the card for 4 months.

Sure enough, no CLI. You bet I'll call back in 2 months. In the meantime, I'll update this post if I see any hards!

I just love my Discover More card. I was looking over my past statements and noticed that I earned more than 20 bucks in cash back for the first quarter of the year. I asked her about this and was told that the cap for the first quarter was 5 percent on up to 800 in purchases, instead of the normal 400.

I hope this helps somebody!

Man, I got the same problem with discover they won't on soft. They keep asking to pull hard but I don't know what to hurt myself on the scores.

If you get a chance read my post Cap1 Vs. Discover. You will see the difference b/w the 2agencies. If you get a CLI let me know what you did. I like my discover but now having second thoughts. I mean I am going to keep the card just look at it a different way.

Re: My attempt at a Discover CLI..

UpUpUp — Wed, 27 Aug 2008 01:23:12 GMT

Andrew do you have the HSBC Discover card? HSBC is even worse at giving CLI.

Re: My attempt at a Discover CLI..

Andrew_Garcia_4918 — Wed, 27 Aug 2008 01:36:28 GMT

UpUpUp wrote:
Andrew do you have the HSBC Discover card? HSBC is even worse at giving CLI.

No, Discover more

Re: My attempt at a Discover CLI..

UpUpUp — Wed, 27 Aug 2008 01:42:49 GMT

:smileysad: That's strange then. I am reading here that Discover is hard to get CLI with, but I wouldn't expect Cap1 to out do them. Argh...now I have very little hope for my Discover More card and CLI!

Re: My attempt at a Discover CLI..

turbowrx — Wed, 27 Aug 2008 18:39:24 GMT

Did the CLI happen?

Re: My attempt at a Discover CLI..

plasticguy — Wed, 27 Aug 2008 21:47:22 GMT

I have had the Discover More Since April 06, starting limit was $7,500. At exactly the 6th month mark I received an auto of $1500. Every since then I ask for an increase and they don't pull. My current limit now is the Max that you can have without them pulling a hard which is 15K. I was told there are no soft pulls above 15K.