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

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.
Established Member
WunderCard
Posts: 25
Registered: ‎02-25-2012
0

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

[ Edited ]

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. :smileylol:

Established Contributor
shakalaka
Posts: 556
Registered: ‎09-10-2012
0

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. :smileyvery-happy:


Amex Platinum (NPSL) | Amex BCE (33,400) | Chase Sapphire Preferred (24,800) | Discover IT (12,700) | Chase Freedom (6,300) | Walmart (4,500) | CapOne (4.000) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 770 (8/18) EQ 732 (8/8) EX 748 (12/5)

Established Contributor
YahComb
Posts: 595
Registered: ‎03-10-2012
0

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

you should ask.

 

you should not expect.

 

 

EQ-736(08/14) TU-758(06/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 7.5K | Disc It 9K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |

Closed Cards: 4 Oldest: 3yr AAOA: 25.8 mo
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

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


:smileyvery-happy:

 

Never expect ANYTHING with Discover!




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Regular Contributor
codesingh
Posts: 245
Registered: ‎12-27-2012
0

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.
Frequent Contributor
sarkell
Posts: 345
Registered: ‎02-27-2013
0

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
Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012
0

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: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Contributor
Sitori
Posts: 268
Registered: ‎10-25-2012
0

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).
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

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.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014

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