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App itch strike again!!!

New Contributor

App itch strike again!!!

Well I just applied for the Discover It card and was approved with a measly 1k limit, but I hear that they are good with CLI's, any truth to what I hear???  Also, my terms were not ideal, I have 3.99 Purchase APR for 6 mo instead of the 0%, but I really like the no FTF fees and the CSR's are amazing!

 

Thanks,

 

Wes

11 REPLIES
Established Contributor

Re: App itch strike again!!!

Aren't the CSRs so nice!?   I talked to a lady first initial "L" on Saturday who was in Salt Lake City and she was sooooo pleasant to speak with.

 

Congrats on your approval!

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Mega Contributor

Re: App itch strike again!!!


tpmlls wrote:

Well I just applied for the Discover It card and was approved with a measly 1k limit, but I hear that they are good with CLI's, any truth to what I hear???  Also, my terms were not ideal, I have 3.99 Purchase APR for 6 mo instead of the 0%, but I really like the no FTF fees and the CSR's are amazing!

 

Thanks,

 

Wes


You got the same exact terms I did last march. They are good with CLI's IF your report is eligible (i.e low util / no recent baddies / not alot of recent INQ's/accounts)




EQ FICO 548 3/3/16
Established Contributor

Re: App itch strike again!!!

Don't the CSRs always sound like they love their job? They always sound so happy! Makes me wanna app for their job too! LOL


DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Mega Contributor

Re: App itch strike again!!!


eviLution wrote:

Don't the CSRs always sound like they love their job? They always sound so happy! Makes me wanna app for their job too! LOL


Smiley Very Happy

 

They know how to keep it real too.......Smiley Mad




EQ FICO 548 3/3/16
New Contributor

Re: App itch strike again!!!

I agree! Is it worth calling the recon department and try to get a higher limit? Is there such a number? The only reason I want a higher limit is because I would like to use this card more and my Capital One card has a 4K limit!!!! Any ideas?

 

Thanks for reading!

Mega Contributor

Re: App itch strike again!!!


tpmlls wrote:

I agree! Is it worth calling the recon department and try to get a higher limit? Is there such a number? The only reason I want a higher limit is because I would like to use this card more and my Capital One card has a 4K limit!!!! Any ideas?

 

Thanks for reading!


Discover: 888-676-3695       




EQ FICO 548 3/3/16
Established Contributor

Re: App itch strike again!!!


tpmlls wrote:

I agree! Is it worth calling the recon department and try to get a higher limit? Is there such a number? The only reason I want a higher limit is because I would like to use this card more and my Capital One card has a 4K limit!!!! Any ideas?

 

Thanks for reading!


They won't do it, plain and simple.  They are going to tell you to wait 6 months.

Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Established Contributor

Re: App itch strike again!!!

Yup, sometimes you might get lucky and get auto CLI in 2-3 months while you wait.


DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Frequent Contributor

Re: App itch strike again!!!

I got my Discover More back in August and they auto CLI'd me this past weekend. I woke up to the email. Seems that they pretty much take care of it for you automatically as long as you keep your card active and in good standing along with your CR. They started me with a $1k limit too. That was when I had like one card reporting with a $5k limit. I guess that's just how they do.


Starting Score: 686 TU / 683 EQ 01/17/2013
Current Score: 703 TU / 691 EQ 10/04/2013 / 688 EX 11/12/2013
Goal Score: 700 across all three


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