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Regular Contributor
codesingh
Posts: 245
Registered: ‎12-27-2012
0

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

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.
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

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

I got an auto cli of 750$ (went from $4k to $4750) a couple of days after my 6th statement.
If it's been a week or so, you prob wont get an auto. So I'd call. Lol
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Super Contributor
CS800
Posts: 6,550
Registered: ‎04-07-2008
0

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

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.




Frequent Contributor
phillyguy12
Posts: 343
Registered: ‎03-16-2011
0

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

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


Amx BCE-9000,Amx Zync-NSPL
Barclay's Mastercard-5600
Credit Union Visa-1200
Discover-1900, Khols-1000
Regular Contributor
codesingh
Posts: 245
Registered: ‎12-27-2012
0

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

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.
Moderator
09Lexie
Posts: 25,920
Registered: ‎09-13-2012
0

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

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

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


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.

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)
Regular Contributor
culture
Posts: 200
Registered: ‎02-27-2013
0

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


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 :smileyhappy:

Regular Contributor
rogersave
Posts: 104
Registered: ‎07-18-2011
0

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

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.....

Equifax 712 transunion 693experian 673
Chase freedom 500 Chase United explorer 5000 Discover IT 13000 AMEX PRG npsl AMEX BCE 6000 CSP 12000.AMEX ED 15000 Citi Simplicity 7000
Senior Contributor
john398
Posts: 3,521
Registered: ‎01-19-2009
0

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

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?


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