No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Hey All,
So I reached 6 months with discover last week. Now what? Will they give me auto CLI or I should call?
Does discover give CLI at 6months with a soft pull?
History and vitals:
Discover More - Approved after ID verification(fax) in Nov 2012.
Last approval (chase) - April 16 2013.
Score across the board - above 740
Please let me know...Thx
Code
~ 100k in Rev CC. 15k Credit Line. 16.5k Car Loan(@1.7%) Starting scores: 690 EQ (Dec 2012) Mid-year FICO scores April ‘13 Pulled by lenders(Barclays, Amex): TU 747 • EQ 752 • EX 746 • Scores As of Nov 2013: 740 and above across the board. |
I have never gotten an auto from Discover. ?I called for a CLI back then and it was a HP on EQ. It was approved though.
discover is very much YMMV, i was approved in july 2012 w/ 1200 line, a little after 6 mos got small auto luv to 1500 then @ 9 mos got another auto bump to 1900 and my usuage has been varied a min spend of 200 to a high of 1300+ when i was still at 1200 level but made multiple payments that month so i never went over hard limit. i usaully pif and let statement cut w/ some amout showing, i say wait till your 7th statement cuts if you dont get it by then call and see whats up. i remember when i got my first bump it wasn't right at the 6th statement it was a lil while after dont recall how long but it was long enough that i thought i wouldn't see any luv till i hit the 1 yr mark
guys...this is just the 6th statement that was cut last week. the number of months is still 5 and a 1/2 at this point.
Regardless, I think I'll just hang on, won't call them because I really do not need the extra money.
If they have a sound system, I should be picked, I have all my vitals at optimum levels right now.
Util just got down from 3% to 2% across the board.
I have paid in full + 10% and never carried a balance with them in the past 6 months.
~ 100k in Rev CC. 15k Credit Line. 16.5k Car Loan(@1.7%) Starting scores: 690 EQ (Dec 2012) Mid-year FICO scores April ‘13 Pulled by lenders(Barclays, Amex): TU 747 • EQ 752 • EX 746 • Scores As of Nov 2013: 740 and above across the board. |
@codesingh wrote:guys...this is just the 6th statement that was cut last week. the number of months is still 5 and a 1/2 at this point.
Regardless, I think I'll just hang on, won't call them because I really do not need the extra money.
If they have a sound system, I should be picked, I have all my vitals at optimum levels right now.
Util just got down from 3% to 2% across the board.
I have paid in full + 10% and never carried a balance with them in the past 6 months.
I am sorry if I sound naive, but I can't understand what does this line (highlighted in red) mean.
@09Lexie wrote:
Good luck! I got mine in Jan and I'm hoping for an auto CLI. They have been SP'ing me for the past 2mos - I hope that's a good sign.
i sent you a pm
My 6th statement is closing june 1st. I am hoping for some auto luv. Credit limit is 1700 now. I have let a balance report 3 out of 5 statements. This month I will PIF and see what happens.....
So you have $0 reporting on all your statements? and if you are paying plus 10% that means when your statement cuts you have a credit balance?