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Just Approved Discover, CL recon? I just got a 15pts upward jump.

Established Contributor

Re: Just Approved Discover, CL recon? I just got a 15pts upward jump.


youngandcreditwrthy wrote:
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.

Thanks guys and girls!

 

VEGASKYLE CS is way higher than mine... so I might wait to see my score higher than 15 pts and then try,,, Ill come back and update this thread if I try! Smiley Happy

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.
Message 11 of 14
Regular Contributor

Re: Just Approved Discover, CL recon? I just got a 15pts upward jump.


zerobacan wrote:

youngandcreditwrthy wrote:
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.

Thanks guys and girls!

 

VEGASKYLE CS is way higher than mine... so I might wait to see my score higher than 15 pts and then try,,, Ill come back and update this thread if I try! Smiley Happy


I honestly don't know how much the CS had to do with it. I've seen plenty of threads where people have much higher initial CL from Discover with lower scores than me.  Keep in mind my only other credit cards are an AMEX charge card, AMEX cc with $1000 limit, and WF credit card with $1500, so Discover was effectively doubling my highest CL by going up to $3000. 

 

We have no way of knowing what criteria is looked at and how it's weighted in their decision making process.  I can tell you that it boils down to the lenders confidence in your ability to repay.  Maybe just taking the time to recon the app, talk to the right person and answer their questions is enough to increase the lenders confidence in you to the point of a CLI.

 

I really don't see what you have to lose(provided they aren't going to do another HP) by giving them a call and asking to talk to a supervisor. 


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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Message 12 of 14
Moderator Emeritus

Re: Just Approved Discover, CL recon? I just got a 15pts upward jump.

Nice going -- congrats! Smiley Happy


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 13 of 14
Established Contributor

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".

I just called and I asked, the nice lady explained me the rules and said no. I chickened out asking for the supervisor... maybe I get the streght tomorrow when I get it in my hands Smiley Happy

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.
Message 14 of 14