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Frequent Contributor
Posts: 371
Registered: ‎02-04-2016
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Re: Discover unOfficial Data Points

4th statement cut today. No auto CLI. First one was a short one. I called to see what happened to the 2 day message. Been a week today. No responce. I called and it said we are unable to take your call at this time. They're closed on Sat?


BK DC 11/15 FICO 8 7/17 EX-740 EQ-737 TU-735 Total CL $35.3k 18 Month Rebuild Complete.
Senior Contributor
Posts: 7,227
Registered: ‎04-23-2016

Re: Discover unOfficial Data Points

Hey Austin, i know i shouldnt have but just for fun to see if by luck was part of the elite lol, hit luv button on day 60 but no soup for me. Day 90 up to bat soonSmiley Wink
Regular Contributor
Posts: 133
Registered: ‎11-20-2016

Re: Discover unOfficial Data Points

[ Edited ]

Don't know if they're closed on Saturday for you regular folk,  but I called today (saturdauy) to increase my deposit/CL for a secured card and spoke to a human (as is per usual with Discover, a very personable, friendly human).

CapOne Secured ($500), Discover It ($1000), BOA Cash Rewards Secured ($500), Amazon Store Card ($2700), Chase Freedom ($5000), Citi DC ($1700), AMEX BCE ($3000), Chase Amazon Visa ($1000)
Valued Contributor
Posts: 1,301
Registered: ‎07-13-2016

Re: Discover unOfficial Data Points

I just got approved today for Discover 😁! (Gotta swap my spade but it's so worth it!)

 

BK 5-2012 Revolving Rebuild Started 6-2016
AMEX ED & SPG | BOA CR | PenFed PC | NFCU FLAGSHIP | Discover IT | CapitalOne QS | LOWES | Barclays AVIATOR
Valued Contributor
Posts: 1,477
Registered: ‎06-13-2016

Re: Discover unOfficial Data Points

[ Edited ]

Congrats, Justagirl! That is awesome! Welcome to the Discover family.😀

Current Scores------ EQ 691; TU 653; EX 682 FICO 08---------------- Gardening until 07/07/18
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

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Valued Contributor
Posts: 1,301
Registered: ‎07-13-2016

Re: Discover unOfficial Data Points

Thank you Bella! I'm uber happy! 

I cold apped. I didn't receive any mailers or solid apr on the prequalify. I was denied in July for the secured version. (The help section, which I read after applying, basically told me I wouldn't be approved for the secured.) 

BK 5-2012 Revolving Rebuild Started 6-2016
AMEX ED & SPG | BOA CR | PenFed PC | NFCU FLAGSHIP | Discover IT | CapitalOne QS | LOWES | Barclays AVIATOR
Valued Contributor
Posts: 1,477
Registered: ‎06-13-2016

Re: Discover unOfficial Data Points

[ Edited ]

I know how you feel, uber happy, because it is a great feeling to get a card you've wanted. I hope they gave you a good SL and/or that you are on the fast track for CLI's!

Current Scores------ EQ 691; TU 653; EX 682 FICO 08---------------- Gardening until 07/07/18
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

Take the myFICO Fitness Challenge
Valued Contributor
Posts: 1,301
Registered: ‎07-13-2016

Re: Discover unOfficial Data Points

Duh!!! I forgot to post the most important part 😂! 

 

I barely got in, and I'm at the kiddie table LOL BUT I DONT CARE! IM JUST HAPPY TO BE HERE 😬

 

S/L 1k with 18.24% apr. 

This is my lowest limit card along with Barclays who will probably be closed very soon. 

BK 5-2012 Revolving Rebuild Started 6-2016
AMEX ED & SPG | BOA CR | PenFed PC | NFCU FLAGSHIP | Discover IT | CapitalOne QS | LOWES | Barclays AVIATOR
Valued Contributor
Posts: 1,477
Registered: ‎06-13-2016

Re: Discover unOfficial Data Points

My SL was $1000 too, but with a 23.24% APR. Growing the limits will be kinda fun, I guess! 

Current Scores------ EQ 691; TU 653; EX 682 FICO 08---------------- Gardening until 07/07/18
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

Take the myFICO Fitness Challenge
Valued Contributor
Posts: 1,067
Registered: ‎02-23-2015

Re: Discover unOfficial Data Points

I have a little over 2 years experience with Discover. When I first got the card the limit was $500 and there was literally nothing on my credit report, just my name and address. I got an auto CLI to $900 about 7 months later. Most of the CLI's have been $500 but I noticed a pattern, I received a larger CLI of $1,500 when I had a somewhat of a large balance on my Discover card, when I got the $1,500, my util on Discover was 64%. Yesterday, I got a $7,000 whopper of a CLI and I had a pretty large util on the card as well. So it seems that with some profiles, Discover seems to like to see a semi large balance on the card. I have noticed as well that Discover doesn't seem to like if your profile is crowded with cards when you apply.

Gardening until September 2018
Next app: Mortgage in September 2018

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