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Established Contributor
Posts: 727
Registered: ‎01-13-2013
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Just Approved Discover, CL recon? I just got a 15pts upward jump.

Hello

Is it possible to call recon my CL for my just approved Discover iT? When I was approved in Thursday I had a 645 EQ FICO and now its 660.

 

Would they recon a higher limit?

 

They also pulled EQ and TU.

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Moderator
Posts: 27,123
Registered: ‎09-13-2012
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Re: Just Approved Discover, CL recon? I just got a 15pts upward jump.

Discover usually doesn't recon CL. Plus it would probably be a Hp.
Frequent Contributor
Posts: 288
Registered: ‎08-24-2010
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Re: Just Approved Discover, CL recon? I just got a 15pts upward jump.

You can always try. Worst answer you'll get is no. What was the limit they have you?

I have a feeling that even with score increase you won't get an increase. You're gonna have to use that card a lot to establish you're spending patterns with then. Even then discover, is very conservative with increases .

Starting Score: 620 FAKO
Current Score: FICO TU 715 (wal-mart) FICO EQ 692
Goal Score: 700


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Moderator
Posts: 27,123
Registered: ‎09-13-2012
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Re: Just Approved Discover, CL recon? I just got a 15pts upward jump.

+1

And it looks like they've given you largest CL. Can't count Kay's since its not on your CR's.

I think you should leave well enough alone but if you want to try- go for it. Good luck!
Valued Contributor
Posts: 1,512
Registered: ‎11-10-2012
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Re: Just Approved Discover, CL recon? I just got a 15pts upward jump.


zerobacan wrote:

Hello

Is it possible to call recon my CL for my just approved Discover iT? When I was approved in Thursday I had a 645 EQ FICO and now its 660.

 

Would they recon a higher limit?

 

They also pulled EQ and TU.


It never hurts to recon. Just make sure anything they do is a soft-pull only.

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Regular Contributor
Posts: 184
Registered: ‎02-12-2010
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Re: Just Approved Discover, CL recon? I just got a 15pts upward jump.

I did it.

I apped yesterday and was approved for $1500. I called back and asked if I could get a higher limit and was told. "No, you can ask for a CLI in 6mo" I asked to talk to a supervisor, after a brief hold I was told one would call me back within 24h. A lady called me back this morning and after a few questions my initial CL went from $1500 to $3000.

It's worth a shot. Worst thing that is going to happen is a "no".

Starting Score: EQ 599, TU 577
Current Score: EQ 703 9/20/14(HI 741 on 5/13), TU 690 10/1/14 (HI 751 on 5/13), EX 700 10/1/14
Goal Score: 750+


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Regular Contributor
Posts: 155
Registered: ‎07-25-2008
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Re: Just Approved Discover, CL recon? I just got a 15pts upward jump.


VegasKyle wrote:
I did it.

I apped yesterday and was approved for $1500. I called back and asked if I could get a higher limit and was told. "No, you can ask for a CLI in 6mo" I asked to talk to a supervisor, after a brief hold I was told one would call me back within 24h. A lady called me back this morning and after a few questions my initial CL went from $1500 to $3000.

It's worth a shot. Worst thing that is going to happen is a "no".

CONGRATS

Amex ZYNC - Amex BCP - Amex Mercedes-Benz - Amex PRG - Amex TrueEarnings - Emigrant Direct Visa - Xcel FCU Visa - Walmart Discover - Sam's Club Discover - Macy's - Bloomingdales - Nordstrom - Sam's Club CC - Discover IT and US Bank Visa FlexPerks, CitiHHonors Sig Visa - NAVcheck, NAVcashRewards Sig Visa, NAVgoRewards MC, Chase Amazon VISA and BoA CashRewards VISA
Frequent Contributor
Posts: 451
Registered: ‎03-05-2013
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Re: Just Approved Discover, CL recon? I just got a 15pts upward jump.


VegasKyle wrote:
I did it.

I apped yesterday and was approved for $1500. I called back and asked if I could get a higher limit and was told. "No, you can ask for a CLI in 6mo" I asked to talk to a supervisor, after a brief hold I was told one would call me back within 24h. A lady called me back this morning and after a few questions my initial CL went from $1500 to $3000.

It's worth a shot. Worst thing that is going to happen is a "no".

Awesome. Congrats on the increase.

Last App December 7, 2013. Gardening until May 20, 2014
Current Score: 720 EX 714 EQ 712 TU 12/10/2013Goal Score: 720 across the board
Valued Contributor
Posts: 1,339
Registered: ‎09-11-2012
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Re: Just Approved Discover, CL recon? I just got a 15pts upward jump.

Grats nice starting cl.
2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Senior Contributor
Posts: 6,242
Registered: ‎08-16-2012
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Re: Just Approved Discover, CL recon? I just got a 15pts upward jump.

HOLY HECK, VEGASKYLE!
Seeing that story is like seeing a ufo.

Op, what you could do...is inform them that your credit report has changed substantially, and if it has been within 60 days (usually the time frame) you could have them re eval your lim based on an "updated" report. That could improve your after promo apr as well?
I should have tried this with Amex BCE app to get my APR improved but didnt. Just remem, it has to be within 60 days.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k

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