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Contributor
mahendra82
Posts: 95
Registered: ‎05-10-2008
0

Approved Discovercard with low FICO

[ Edited ]

I have a pretty thin file with one minor baddie (30 days from a utility company), but I was approved with Discover more. I didn't think I was going to get approved, but I felt lucky so applied anyway. The CL is pretty low (2k), but I'm hoping it'll grow over time. How is discover with CLI? 

 

 

Super Contributor
DI
Posts: 5,744
Registered: ‎01-28-2008
0

Re: Approved Discovercard with low FICO


mahendra82 wrote:

I have a pretty thin file with one minor baddie (30 days from a utility company), but I was approved with Discover more. I didn't think I was going to get approved, but I felt lucky so applied anyway. The CL is pretty low (2k), but I'm hoping it'll grow over time. How is discover with CLI? 

 

 


Congrats!  Discover give auto  CLIs every 3 months for the first year.  After the first year,  you won't be guaranteed any increases without a hard pull of credit. 

Valued Contributor
vish1
Posts: 1,129
Registered: ‎01-20-2011
0

Re: Approved Discovercard with low FICO

 


DI wrote:

mahendra82 wrote:

I have a pretty thin file with one minor baddie (30 days from a utility company), but I was approved with Discover more. I didn't think I was going to get approved, but I felt lucky so applied anyway. The CL is pretty low (2k), but I'm hoping it'll grow over time. How is discover with CLI? 

 

 


Congrats!  Discover give auto  CLIs every 3 months for the first year.  After the first year,  you won't be guaranteed any increases without a hard pull of credit. 


+1

 

Amex PRG | BoA Cash rewards 35K | BoA Cash rewards 7K | Citi AAdvantage 15 K | Chase Sapphire Preferred 11 K | Chase Freedom 10k | Chase United 5 K | Chase Southwest 5K | Chase Airtran 6.4K | Discover IT 8K | Barclays US Airways 7.8 K | DCU 3 K | US Bank Flex Perks 8K | Toys r US 6 K | JC Penney 4.6 K | Macy's 1200 | Kohl's 600
Ex Fico: 762 (PSECU)
EQ Fico: 764 (DCU)
TX Fico: 773 (Discover)
Contributor
mahendra82
Posts: 95
Registered: ‎05-10-2008
0

Re: Approved Discovercard with low FICO

Thanks for the info!

Contributor
x9j4j
Posts: 189
Registered: ‎12-26-2010
0

Re: Approved Discovercard with low FICO

 


DI wrote:

mahendra82 wrote:

I have a pretty thin file with one minor baddie (30 days from a utility company), but I was approved with Discover more. I didn't think I was going to get approved, but I felt lucky so applied anyway. The CL is pretty low (2k), but I'm hoping it'll grow over time. How is discover with CLI? 

 

 


Congrats!  Discover give auto  CLIs every 3 months for the first year.  After the first year,  you won't be guaranteed any increases without a hard pull of credit. 


I am still new to Discover (opened in Jan 2011) they told me I have to call after 6 months to request a cli.

 

Super Contributor
DI
Posts: 5,744
Registered: ‎01-28-2008
0

Re: Approved Discovercard with low FICO


x9j4j wrote:

 


DI wrote:

mahendra82 wrote:

I have a pretty thin file with one minor baddie (30 days from a utility company), but I was approved with Discover more. I didn't think I was going to get approved, but I felt lucky so applied anyway. The CL is pretty low (2k), but I'm hoping it'll grow over time. How is discover with CLI? 

 

 


Congrats!  Discover give auto  CLIs every 3 months for the first year.  After the first year,  you won't be guaranteed any increases without a hard pull of credit. 


I am still new to Discover (opened in Jan 2011) they told me I have to call after 6 months to request a cli.

 


You must have a different tier card. 

Contributor
x9j4j
Posts: 189
Registered: ‎12-26-2010
0

Re: Approved Discovercard with low FICO

 


DI wrote:

x9j4j wrote:

 


DI wrote:

mahendra82 wrote:

I have a pretty thin file with one minor baddie (30 days from a utility company), but I was approved with Discover more. I didn't think I was going to get approved, but I felt lucky so applied anyway. The CL is pretty low (2k), but I'm hoping it'll grow over time. How is discover with CLI? 

 

 


Congrats!  Discover give auto  CLIs every 3 months for the first year.  After the first year,  you won't be guaranteed any increases without a hard pull of credit. 


I am still new to Discover (opened in Jan 2011) they told me I have to call after 6 months to request a cli.

 


You must have a different tier card. 


I have a Discover Open Road.

 

Contributor
mahendra82
Posts: 95
Registered: ‎05-10-2008
0

Re: Approved Discovercard with low FICO

[ Edited ]

What's the different between discover open road and the more? I got the more card.

Contributor
x9j4j
Posts: 189
Registered: ‎12-26-2010
0

Re: Approved Discovercard with low FICO

 


mahendra82 wrote:

What's the different between discover open road and the more? I got the more card.


The Open Road doesn't have the 5% cashback, it only has the 1% and 2% on some categories.

 

Valued Contributor
scottwagnon
Posts: 1,350
Registered: ‎02-07-2010
0

Re: Approved Discovercard with low FICO

i have had my discover more since sept 24 2010, and have yet to see them give me an auto cli... started out with 2500, still at 2500

EX BankCard 8 FICO 820 (250-900) 04/08/14
TU FICO 806 (350-850) 04/10/14
EX VT 3.0 805 (300-850) TU VT 2.0 891 (501-990)
Credit.com score 798 (300 - 850) TU transrisk 772
card line up here: http://ficoforums.myfico.com/t5/Credit-Cards/How-Many-Credit-Cards-Do-YOU-have/m-p/1034512#M290859

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