Discover CLI HP vs new card

twist7d7 · ‎03-02-2014

So discover wont CLI my account without a hard pull. i was thinking is it better to take the hard pull by discover or jsut open a new card with a new bank?

AMEX PRG (NPSL) Lowes (10k) CSP (7.2k) AMEX BCE (6k) Cap1 QS (3.5k) Citi DC (2.6K) BofA (2.5K)M&T Bank visa (2k) Discover iT (1800) Slate (1k)
Age: 22 Scores ~710 across the board
Future Cards Sallie Mae, US Bank Cash+, Freedom
Goal increase CLs by 20k in 2015

09Lexie · ‎03-02-2014

How long have you had your Discover? If you are just looking for a larger CL, I would wait for your BCE to become eligible.

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SALEEN961 · ‎03-02-2014

Looking at your AAoA I would not open another card as this may be the reason you're not eligible for a SP CLI. Just let your cards age for a little while and wait for your Amex BCE and Discover It to become eligible for CLIs as both should grow substantially from where they are now once you have more history with them.

I was denied a CLI on my Amex BCE after 61days, probably due to opening 3 new accounts around the time I got my BCE, but after another 61days I got a full 3x CLI. On my Discover I was denied a SP CLI and after 6 months I took a HP to go from 3K to 7K, and then just recently 8 months later I received a SP CLI up to 10K.

Creditaddict · ‎03-02-2014

@twist7d7 wrote:
So discover wont CLI my account without a hard pull. i was thinking is it better to take the hard pull by discover or jsut open a new card with a new bank?

If you have just 2 cards then I would get a 3rd like Chase Freedom or Fidelity Amex instead of the hp for discover right now.

Creditaddict · ‎03-02-2014

@Creditaddict wrote:
@twist7d7 wrote:
So discover wont CLI my account without a hard pull. i was thinking is it better to take the hard pull by discover or jsut open a new card with a new bank?
If you have just 2 cards then I would get a 3rd like Chase Freedom or Fidelity Amex instead of the hp for discover right now.

sorry, see you have 2 amex and discover... still might add the visa/mc since you don't seem to have one and the 2 you have limit in some acceptance.

twist7d7 · ‎03-02-2014

Thanks i think im going to wait for the AMEX CLI and then ask discover for the soft pull CLI and see how that goes. can CCC see soft pulls on your reports??

AMEX PRG (NPSL) Lowes (10k) CSP (7.2k) AMEX BCE (6k) Cap1 QS (3.5k) Citi DC (2.6K) BofA (2.5K)M&T Bank visa (2k) Discover iT (1800) Slate (1k)
Age: 22 Scores ~710 across the board
Future Cards Sallie Mae, US Bank Cash+, Freedom
Goal increase CLs by 20k in 2015

Creditaddict · ‎03-02-2014

@twist7d7 wrote:
Thanks i think im going to wait for the AMEX CLI and then ask discover for the soft pull CLI and see how that goes. can CCC see soft pulls on your reports??

No

-Wade- · ‎03-02-2014

@twist7d7 wrote:
Thanks i think im going to wait for the AMEX CLI and then ask discover for the soft pull CLI and see how that goes. can CCC see soft pulls on your reports??

No they can't see any of your SP'S only you can see them

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******