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

Regular Contributor

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


john398 wrote:

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?


vish1 wrote:


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.

 

=======================================

@vish: discover allows you to pay 10% more than the balance. i.e. if you owe $100 and the statement is for $100 ...you can make a payment for $110.

 

@john398: credit balance sometimes, but usually I have a balance due of about 1%. I don't have credit balance on all cards...my total util is about 3% across the board.

~ 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.
Message 11 of 24
Established Member

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

lol... don't "expect" anything from Discover.  

 

I wanted a 5k CLI at 6mo and they countered with... $500.  I tried for the bump again after 12 months and they countered with....nothing.  Hoping to diagnose their major malfunction,  I probed for progressivley lesser CLI's via the automated system and got denied each time.

 

They were kind enough to send me 5 or 6 denial letters in the mail for my trouble.  One for each time the automated phone system slammed the door in my face. Smiley LOL

Message 12 of 24
Established Contributor

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

I didn´t get an Auto CLI at 6months. I tried online (with SP), no way. I called, asked for 8K (from 1.5), took a HP and was approved. So YMMV, but I am happy with this. HP for 5,33 CLI is okay. Smiley Very Happy

Amex Platinum | Discover IT | Amex BCE | Citi DCB | Chase Sapphire Reserve | Chase Sapphire Preferred | CapOne | NFCU goRewards and CLOC | Chase Freedom | Walmart | Alliant CU Visa | Couple of Biz Cards | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO (TU/EX/EQ): 737/772/752 - Total CL 215+K

Message 13 of 24
Established Contributor

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

you should ask.

 

you should not expect.

 

 

EQ-736(08/14) TU-752(09/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 11.7K | Disc It 10.5K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |

Closed Cards: 4 Oldest: 3yrs AAOA: 2yrs
Message 14 of 24
Mega Contributor

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


codesingh wrote:

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


Smiley Very Happy

 

Never expect ANYTHING with Discover!




EQ FICO 548 3/3/16
Message 15 of 24
Regular Contributor

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

I called and they said that I have reached only the 6th statement not the "month". bummer!

I am gonna have to call next month.

~ 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.
Message 16 of 24
Frequent Contributor

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

I'm actually letting a balance report every statement I charged it to 2/3 and showing usage keeping at 50% until th statement. Hoping that will help get an auto cli.
Cards: CSP $5k, Capital One Cash Rewards VS $3100, Discover it $3k Capital One MasterCard $600, Orchard Bank $3k, Barclays Rewards MC $1250 Gapcard $900, BR $300, Neiman Marcus $1k, Macys $1200 Walmart $500
In the garden until I can get a BCP

Starting Score: 534
Current Score: 682 EQ SW 660 TU 636 EX 3/26/13
Goal Score: 720


Take the myFICO Fitness Challenge
Message 17 of 24
Valued Contributor

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

They told me to wait till my acc hit 6 months but when I first open my acc they told me 6th statement.......I'm kind of confused......

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

Message 18 of 24
Contributor

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

 So is it 6th month or 6th statement? lol.

 

I think I opened mine Nov 1.

6 months is May and 6 statements is May. I'm assuming I will attempt the button after this statement closes on the 17th if I dont get an auto. I will let you know what happens with my attempt. I'm currently at 1700 and would love to get $3000 but I think I will ask for $2500. I don't want to risk a HP.

It's usually a SP with the button right?


-------------------------------------------------------------------------------------------------
EQ 701, TU 685, EX ?
Wallet:
Amazon store $2500(10/12), Cap1 $1500 (10/12), Discover $1700 (11/1/12).
Message 19 of 24
Mega Contributor

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


Sitori wrote:

 So is it 6th month or 6th statement? lol.

 

I think I opened mine Nov 1.

6 months is May and 6 statements is May. I'm assuming I will attempt the button after this statement closes on the 17th if I dont get an auto. I will let you know what happens with my attempt. I'm currently at 1700 and would love to get $3000 but I think I will ask for $2500. I don't want to risk a HP.

It's usually a SP with the button right?


AFAIK it is the 6th month.




EQ FICO 548 3/3/16
Message 20 of 24