No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
As my previous post, I recently approve for Discover with $1.7k limit and its on the way to my house in a few days. I have a few question want to ask and discuss with you guys.......
What my change of getting credit increase @ first activated my card ?? Should i do it or wait about 6 months ???? I ask them about 3k since i really enjoy their 4% interest charge for 6 months and 150 cash bonus spend 1000 for 3 months. I did ask them when i call in and they said that's all they can offer and maybe wait 6 months to ask for it. Anyone had successful doing this without an HP ??? I also need some recon backdoor number. Please inbox me if you guys have some.
Please feel free to share your opinion.....
Your chance of getting CLI at activation is super slim, if not zero.
I got a More card more than a month ago. I tried sweet talking them for CLI at activation. Was told "Wait 6 months". Then I added my wife as "Joint Account Holder" (her score is 750ish). Called in using backdoor. Again was told "Wait 6 months". No problem. In the last month alone I charged about 3K to it (current CL is $1000) and PIF 4 times. Called in again and told them "look I paid it off 4 times in a month. I simply need more credit and I can pay it off. You see..... blah blah". Again "NO. Wait 6 months".
I search around this board and many people get auto CLI @ 2months, 3 months, etc. So hopefully Discover give us some love before the 6th month.
Hope this helps.
Very rarely do you ever get a CLI within the first 2 months. I think you're in the right direction; just add a piece of patience to the recipe and you'll get a delicious cake.
Discover is known to hand out small auto CLI from time to time. My card got $250 CLI from $2,000 on my second statement.
I recieve about 500 cli every 6 months from discover.
Dont count on it. Im on my 13th statement and never seen an auto CLI. I Ive tried a few times through their site hoping for a soft approval, and they want me to speak to someone on the phone each time. Ive ran enough $ through them as well. I dont want to burn an INQ till down the road.
Wow i really love Dis with their cash back bonus and shop discover but I guess they not really CLI friendly huh.........let me try to used them heavy after couple of months.....
@youngandcreditwrthy wrote:
Yeah, it was a no go for me lol they said wait for 6 mos and even suggested I lower some of my existing lines to get a higher line with them :-/ lol
Wows really !!? Haizzz Discover......
@youngandcreditwrthy wrote:
Yeah, it was a no go for me lol they said wait for 6 mos and even suggested I lower some of my existing lines to get a higher line with them :-/ lol
Your total available credit is on the high end. How does it compare to your earnings?