cancel
Showing results for 
Search instead for 
Did you mean: 

Help w Discover CLI/BT

tag
dddfresh
Frequent Contributor

Help w Discover CLI/BT

I clicked the link here on myfico to apply for the discover card about 2-3 months ago. I should have gone to the discover site because it offered 14 months 0% on purchases, as opposed to the 18 months 0% Balance transfer that I got from the myfico link. 

So i called in and got approved for the card, however, I only have a $1500 credit limit. I went ahead and transfered a $500 balance to it so i have $1000 credit available to me. I recently took on about 2-3k debt for school and work things ( and vacation) so I wouldnt mind using the balance transfer promo for discover, but I cant really get far with the current credit line.


Is there any hope of getting a higher CL to take advantage of the balance transfer? I have almost 20 inquires across the board, so a SP would be nice. All help is appreciated...


9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Message 1 of 5
4 REPLIES 4
09Lexie
Moderator Emerita

Re: Help w Discover CLI/BT

Message 2 of 5
dddfresh
Frequent Contributor

Re: Help w Discover CLI/BT

is there a good number to call? proof of a balance to transfer needed? or is it a no-go on a CLI??


9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Message 3 of 5
tray
Valued Contributor

Re: Help w Discover CLI/BT

I hate to say discover card is a difficult one, you have to wait 6 months for any requests for a cli and for the most part at times per other people threads cli amounts are not that huge, this bank will not even consider a cli upon approval/activation with their credit cards, believe me I have been there, but by your thread you only have 3 more months to go time goes by quickly, good luck when you do request an increase.....


Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Message 4 of 5
dddfresh
Frequent Contributor

Re: Help w Discover CLI/BT

alright thank you. I tried calling in immediately and told them I would rather have the 14 months no interest on purchases rather than the 18 months balance transfer, but that was a no go too. and they wouldnt budge on the CL. kinda makes the card useless for me at this time, because I have a company vehicle and gas card, and the limit isnt high enough to use it for regular spending...their loss in the end i suppose


9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Message 5 of 5
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.