Credit Card Center Advertiser Disclosure

Reply
Valued Contributor
Posts: 2,667
Registered: ‎03-03-2008

Re: Discover unOfficial Data Points

@erick

 

it just takes time and when they see $9K reporting they'll be inclined to move upwards towards that. They don't move as quick as say AMEX but they do move.  Once you hit the higher buckets it gets easier to gain traction and blow other CC's away.  Patience and persistence are key when working on making Discover grow.  Not to mention they work like a crock pot as in they like low and slow spend when you're at lower limits before opening the CLI flood gates.  It's nice to have found the perk of calling after getting the SP online w/o the 2-day response to double dip.  Before stumbling upon it and looking into it some more it didn't seem like calling would be worthwhile but, calling them prompts things like my success on the 600 thing noted above.  They're easy to work with which is a nice thing when it comes to dealing with CCC's in comparison to many of the others that want a HP for anything and everything it seems to do with your accounts.  

If you're going to whine about it, then you need to do something about it!
If you play the odds on CC's then the rules of Vegas will come into play and the House always wins and you don't own the House
http://ficoforums.myfico.com/t5/Credit-Cards/Discover-unOfficial-Data-Points/td-p/4802538 http://ficoforums.myfico.com/t5/Credit-Cards/AMEX-helpful-links/m-p/4802617 www.depositaccounts.com go under checking / reward checking https://refer.discover.com/s/uya7c https://www.creditscorecard.com/registration
Valued Contributor
Posts: 2,667
Registered: ‎03-03-2008

Re: Discover unOfficial Data Points

@Fire 

 

No you didn't blow it.  Starting out on the lower end prompts the 2-day moreso because they're still feeling out your spending/payment patterns.  Just give it a couple of days to get reviewed and if they don't approve it will probably be the timing excuse they mail out for "insufficient experience".  I'm guessing the $800 was the auto they gave you?  I would just give them time to look at it and say yea or nay on it and set your reminder for Feb for your next click of the button.  By then they will see more spend/pay history and probably give the instant online slider and if they do then you call them and see if they'll double it w/o mentioning you did it online already and thus the double dip.

If you're going to whine about it, then you need to do something about it!
If you play the odds on CC's then the rules of Vegas will come into play and the House always wins and you don't own the House
http://ficoforums.myfico.com/t5/Credit-Cards/Discover-unOfficial-Data-Points/td-p/4802538 http://ficoforums.myfico.com/t5/Credit-Cards/AMEX-helpful-links/m-p/4802617 www.depositaccounts.com go under checking / reward checking https://refer.discover.com/s/uya7c https://www.creditscorecard.com/registration
Frequent Contributor
Posts: 471
Registered: ‎10-25-2016
0

Re: Discover unOfficial Data Points

@austinguy907

 

Thank You so much for the advice.. Will certainly follow the pattern flow of your Discover CLI request.

________________________________________________________________________________________
Current FICO 8 Scores as of 02/17/17: TU: 687 - EQ: 683 - EX: 649

Cards: Amex Platinum & BCE 1K, Chase Fdm Ultd 1K, Jetblue 11.5K, Quicksilver 5K, Discover IT 9K, PenFed Plat Rwrds 8.5K, Amazon Prime Visa 3K, Citi Scrd 200.
Frequent Contributor
Posts: 371
Registered: ‎02-04-2016
0

Re: Discover unOfficial Data Points


austinguy907 wrote:

@Fire 

 

No you didn't blow it.  Starting out on the lower end prompts the 2-day moreso because they're still feeling out your spending/payment patterns.  Just give it a couple of days to get reviewed and if they don't approve it will probably be the timing excuse they mail out for "insufficient experience".  I'm guessing the $800 was the auto they gave you?  I would just give them time to look at it and say yea or nay on it and set your reminder for Feb for your next click of the button.  By then they will see more spend/pay history and probably give the instant online slider and if they do then you call them and see if they'll double it w/o mentioning you did it online already and thus the double dip.


Thanks. It was a luv button push. Not auto. Seeing in your thread. Lower usage is a bit better in the begining. Been using it as a daily driver. Might cool it off. First 2 statements cut at 3%. 500-800 uasge.


BK DC 11/15 FICO 8 7/17 EX-740 EQ-737 TU-735 Total CL $35.3k 18 Month Rebuild Complete.
Established Contributor
Posts: 716
Registered: ‎08-31-2016
0

Re: Discover unOfficial Data Points


austinguy907 wrote:

The online SP won't go twice but if you call they won't see it or may see additional CLI available for your account.  Give them a call and get your $$$!


So I figured I would update, called yesterday after my CLI online and they said the only way to increase again would be through a HP...meh Smiley Indifferent




EQ: 740 TU: 728 EX: 700
Valued Contributor
Posts: 2,667
Registered: ‎03-03-2008
0

Re: Discover unOfficial Data Points


smc4getnot wrote:

austinguy907 wrote:

The online SP won't go twice but if you call they won't see it or may see additional CLI available for your account.  Give them a call and get your $$$!


So I figured I would update, called yesterday after my CLI online and they said the only way to increase again would be through a HP...meh Smiley Indifferent


Did you do it the same day?

If you're going to whine about it, then you need to do something about it!
If you play the odds on CC's then the rules of Vegas will come into play and the House always wins and you don't own the House
http://ficoforums.myfico.com/t5/Credit-Cards/Discover-unOfficial-Data-Points/td-p/4802538 http://ficoforums.myfico.com/t5/Credit-Cards/AMEX-helpful-links/m-p/4802617 www.depositaccounts.com go under checking / reward checking https://refer.discover.com/s/uya7c https://www.creditscorecard.com/registration
Valued Contributor
Posts: 2,432
Registered: ‎03-20-2014

Re: Discover unOfficial Data Points

@FireMedic1, for me the 2-day is just a way they now use to take another look.

 

I had several 2-day and also my DW. Sometimes after the 2-day we get nothing. Sometimes the second day we get a CLI. Sometimes next day. And today my DW got a CLI, after getting the 2-day, the next time she logged in, like 30 minutes later. Her highest CLI with Discover, after 3 $1,500 CLI in 5 months, she got $4,500.

Frequent Contributor
Posts: 371
Registered: ‎02-04-2016
0

Re: Discover unOfficial Data Points


newhis wrote:

@FireMedic1, for me the 2-day is just a way they now use to take another look.

 

I had several 2-day and also my DW. Sometimes after the 2-day we get nothing. Sometimes the second day we get a CLI. Sometimes next day. And today my DW got a CLI, after getting the 2-day, the next time she logged in, like 30 minutes later. Her highest CLI with Discover, after 3 $1,500 CLI in 5 months, she got $4,500.


Cool! Thanks guys!


BK DC 11/15 FICO 8 7/17 EX-740 EQ-737 TU-735 Total CL $35.3k 18 Month Rebuild Complete.
Established Contributor
Posts: 639
Registered: ‎01-24-2008
0

Re: Discover unOfficial Data Points

Did I kill my chances for the future SP CLI ?

I like paying every week my balance on my card in full it wasn't a payment due or something like that
It's my first payment I did and I added a wrong bank account with nfcu savings account go process my payments I didn't know it's not a transactional account for payment so the payment came back
And I just realized they charged a return fee of $27 so I called they said np and refunded back the return fee I asked the discover guy did this effect my credit with the bank since a payment came he said no because it didn't make the account late or something like this
I just wanna make sure I am ok ? I know Cap one declines ppl for return payment reason sometimes from what I read in the forum
Senior Contributor
Posts: 6,122
Registered: ‎04-11-2016
0

Re: Discover unOfficial Data Points

I think you'll be fine.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.