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11-15-2008 02:59 PM
11-15-2008 03:09 PM
1. get your scores up over 720 (when i researched their card offeringssome time ago i found they routinely deny applicants in your current score range.)
they also look closely at income and DTI from what i understand.
11-15-2008 03:11 PM
11-15-2008 04:22 PM
I opened my account in March and the only soft I see is on my TU for Novemeber and it was before I called the automated line for an increase.
They do like to see some use and payment history. I am sure the income and scores factor in, but my income is nothing to brag about so I do expect to hit their ceiling soon. My FICO's are all over 700. (TU is at 766)
Maybe call and ask what you can do to be eligible for an increase, so you can know for sure. The CSR's have always been helpful when I have called for anything.
11-15-2008 06:35 PM
11-15-2008 08:47 PM
I wonder if it matters the amount you put in for a request. I used the automated system and asked for $200. 20% of my CL. I wonder if I should call and try again and put like 100.... everytime I have done it in the past "We need more information to approve your request" and then it transfers me to a rep, I hang up before that...
Why do you hang up? You can't complain about not getting a CLI if you won't even see the request procedure through to the end.
11-15-2008 08:51 PM
When you get transferred to a rep=Full app
That is not a hard and fast rule with Discover. They do soft pull CLIs through reps, too.