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Regular Contributor
Posts: 204
Registered: ‎12-20-2010
0

Discover It 6 Months CLI NO GO

Just apped for a cli on my discover it after 6 months hoping for a sp cli.  Requested a 1k increase and after a SP I got a message saying they couldnt do it without a HP and manual review and if i wanted to continue i should accept.  Almost accepted but im in the garden and cant have any more Hp's.


Will try again in 6 months, but im glad they gave tme the option of continuing with a hard pull as opposed to just doing one! A+ for Discover.


Starting Score: TU 608, Eq 618
Current Score: TU 755 Eq 746, Ex 770(psecu)
Goal Score: 780 across the board


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Senior Contributor
Posts: 3,841
Registered: ‎10-02-2012
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Re: Discover It 6 Months CLI NO GO

That was nice of them to let you know before doing an unauthorized HP. Like other banks.

$1,200$1,000$500
Banking with Wells Fargo. No Delinquencies of any sort. Gardening Since 02-01-15.
EX FICO: ---, EQ FICO: ---, TU FICO: --- EX Inquiries:50, EQ Inquiries:34, TU Inquiries: --
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Senior Contributor
Posts: 26,694
Registered: ‎02-07-2013
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Re: Discover It 6 Months CLI NO GO


Chaos122 wrote:

Just apped for a cli on my discover it after 6 months hoping for a sp cli.  Requested a 1k increase and after a SP I got a message saying they couldnt do it without a HP and manual review and if i wanted to continue i should accept.  Almost accepted but im in the garden and cant have any more Hp's.


Will try again in 6 months, but im glad they gave tme the option of continuing with a hard pull as opposed to just doing one! A+ for Discover.


WTG for staying true to your gardening commitment. You will get that discover CLI maybe even an auto

Best wishes 

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


Frequent Contributor
Posts: 345
Registered: ‎03-16-2011
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Re: Discover It 6 Months CLI NO GO

good for fighting the urge. u might still see an auto bump. i remember thinking i wasnt getting anything at 6 months but i did eventually get a small 300 auto bump then around 9 months i got another 400

Amx BCE-12000,Amx Zync-NSPL
Barclay's Mastercard-5600
Credit Union Visa-1200
Discover-1900, Khols-1000
Valued Contributor
Posts: 1,384
Registered: ‎01-14-2009
0

Re: Discover It 6 Months CLI NO GO

What is your current limit? Is it your main card?

Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: Discover It 6 Months CLI NO GO

is that 6 months of account open or 6 statement ? sorry about CLI.

Mine coming soon and i dont know when because they don't give me a straight up answer....


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

Regular Contributor
Posts: 204
Registered: ‎12-20-2010
0

Re: Discover It 6 Months CLI NO GO


nicholasyud wrote:

is that 6 months of account open or 6 statement ? sorry about CLI.

Mine coming soon and i dont know when because they don't give me a straight up answer....


 Its been about 6 1/2 months and 6 statements, i waited until after a few days after my 6th statement. Current cl is 5k

 


Starting Score: TU 608, Eq 618
Current Score: TU 755 Eq 746, Ex 770(psecu)
Goal Score: 780 across the board


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Regular Contributor
Posts: 129
Registered: ‎10-12-2012
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Re: Discover It 6 Months CLI NO GO

No CLI for me too when I asked after 6 months.

Don't feel bad because Discover is very conservative. Though I put through about 10K in 6 months and always PIF and paid multiple times, they would not increase.

 

After the NO GO, I put all of my cash back to statement credit and currently have a credit of some dollars. The card is in sock drawer indefinitely while AMEX TrueEarnings and Freedome are being used as main cards. I will not use the card until they increase my $1K CL. (I told them that too when they declined CLI me). Will keep you guys posted when I get a CLI :smileyhappy:

FICO Scores: EX 744 (Quizzle), myFICO EQ 675, myFICO TU 708
Credit Cards: Chase Freedom 7k | Cap1 Spark Cash 5.5k | AMEX TrueEarnings 4.5k | Cap1 Cash Visa 3.5k | Cap1 Cash MC 3.5k | AMEX SimplyCash 3K | Discover IT1k
Store: PayPal SmartConnect 5k | JCP 4.2k | Banana 3k | Walmart 2.2K | Kohls 1500 | TargetRED 300
Valued Contributor
Posts: 1,905
Registered: ‎06-16-2012
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Re: Discover It 6 Months CLI NO GO


pt2005 wrote:

No CLI for me too when I asked after 6 months.

Don't feel bad because Discover is very conservative. Though I put through about 10K in 6 months and always PIF and paid multiple times, they would not increase.

 

After the NO GO, I put all of my cash back to statement credit and currently have a credit of some dollars. The card is in sock drawer indefinitely while AMEX TrueEarnings and Freedome are being used as main cards. I will not use the card until they increase my $1K CL. (I told them that too when they declined CLI me). Will keep you guys posted when I get a CLI :smileyhappy:


same here...its been 9 months and i tried the luv button and of course message of "cannot be processed at this time, please call Discover"...havent used the card in almost a month so will just pay off the remaiing balance and in the SD it will go.

Cards: (Chase x7) (Citi x6) (Amex x5) (BofA x3) (US Bank x4) (Barclays x4) (WF x3) (Cap1 x3) (Synch x3) (Penfed x2) ( Macys Amex) (Discover, Nasa ,Diners x1)





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

Re: Discover It 6 Months CLI NO GO

Discover is stingy. I got an auto cli a few days after 6th statement, from 4000 to 4750.

Lol one of my lowest limits heh.
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

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