Super Contributor
Posts: 7,132
Registered: ‎02-27-2013

Re: At 6 months with Discover, should I ask or expect?

So does discover prefer that people leave a balance or no? Advice pls! Debating whether to pif
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Valued Contributor
Posts: 1,737
Registered: ‎08-13-2012

Re: At 6 months with Discover, should I ask or expect?

zero balance in the best case.....they can see everything and it's pretty much on computer decision.......

Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800

Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Valued Contributor
Posts: 1,841
Registered: ‎06-16-2012

Re: At 6 months with Discover, should I ask or expect?

there is no guarantee you will be eligible for a CLI with Discover. I tried it after my 6 months and was denied via SP becuase of a collection (my 51 dollar paid utility collection from 2011 of course)...score with the letter was 713. You can always request one with a HP if you are willing to take the hit. It has been YMMV whether it is best to keep a balance of PIF...have seen succesfull increases both ways.

Cards: (Citi- 82.7k) (Chase- 65k)) (US Bank- 18k) (Amex- 22.5k) (Barclays-40k) (BofA- 68k) (Cap1- 49.5K) (WF- 11k) (Penfed- 22.5k) (Discover- 8k) (Sync/GE- 15.7k) (NASA- 30k) (Diners- 15k)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).

Posts: 268
Registered: ‎10-25-2012

Re: At 6 months with Discover, should I ask or expect?

If I opened my account on November 1 of last year, should I just go ahead and press the button now?  May 1 woudl have been 6  months, but I was waiting for the 17th to come along since that's my 6th  statement date.  I made a 500$ payment to lower my UTL so that's why I was going to wait until the statement hit. Do I need to do that in order for them to see the change in my available credit, or do they automatically see it when the payment is made?


what do you think?

EQ 701, TU 685, EX ?
Amazon store $2500(10/12), Cap1 $1500 (10/12), Discover $1700 (11/1/12).

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