Reply
Valued Member
jkfaria
Posts: 44
Registered: ‎05-12-2008

Re: How to get aCLI by Discover?

I apped for Discover in July hoping to get approved for the HSBC Discover on recon, but they SURPRISED me by approving me for the Open Road Card.

I was gain SHOCKED to receive an auto-cli in October, limit now $1350.   Very small but hey, it's Discover.

 

Those of us working hard to rebuild are very grateful to have a PRIME card from a PRIME lender. 

 

 I use this card for all gas purchases and make several payments a month thru BOA's online bill pay, a feature of my checking/savings acount I'd be lost without.

EQ Fico - 677 CCT - 712
TU Fico - 692 CCT - 665
EX Fico - ??? CCT - 698
Senior Contributor
O6
Posts: 3,626
Registered: ‎10-13-2009

Re: How to get aCLI by Discover?


creditwherecreditisdue wrote:
FWIW Discover softs me on TU.

 

Figures it'd be the only one where I can't see my softs.  :smileysad:
IAALBNYL
Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007

Re: How to get aCLI by Discover?


O6 wrote:

creditwherecreditisdue wrote:
FWIW Discover softs me on TU.

 

Figures it'd be the only one where I can't see my softs.  :smileysad:

Is there a reason why you can't pull your full TU report? --you might well have already posted this; if so, sorry. I can't keep track, lol.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Senior Contributor
O6
Posts: 3,626
Registered: ‎10-13-2009

Re: How to get aCLI by Discover?


haulingthescoreup wrote:

O6 wrote:

creditwherecreditisdue wrote:
FWIW Discover softs me on TU.

 

Figures it'd be the only one where I can't see my softs.  :smileysad:

Is there a reason why you can't pull your full TU report? --you might well have already posted this; if so, sorry. I can't keep track, lol.

 

I can pull it via my TU credit monitoring, but they don't show the softs unless to try to dispute something on your report.  So, I used to go through the motions (like I do with EX) and they take you to a fresh dispute copy of your credit report which shows your softs, but then never actually dispute anything.  However, now TU will not let me do that.

 

With EQ, their reports that you pull through EQ credit monitoring automatically show softs.

 

Why does TU have to be the problem child?

IAALBNYL
Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009

Re: How to get aCLI by Discover?

TU will allow you to do this once every 30 days. If you abuse it you get locked out.
Super Contributor
DI
Posts: 5,767
Registered: ‎01-28-2008

Re: How to get aCLI by Discover?


You can pull the report 3 times without submitting a dispute before being locked out. 

Senior Contributor
O6
Posts: 3,626
Registered: ‎10-13-2009

Re: How to get aCLI by Discover?


creditwherecreditisdue wrote:
TU will allow you to do this once every 30 days. If you abuse it you get locked out.

 

Good thing EX doesn't do that.

 

Again, TU has to be the problem child that makes it inconvenient to see your softs.  I wish they were all like EQ which automatically gives you the softs.

IAALBNYL
Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009

Re: How to get aCLI by Discover?


O6 wrote:

creditwherecreditisdue wrote:
TU will allow you to do this once every 30 days. If you abuse it you get locked out.

 

Good thing EX doesn't do that.

 

Again, TU has to be the problem child that makes it inconvenient to see your softs.  I wish they were all like EQ which automatically gives you the softs.


If all the other CRA's were like EQ we'd all be in a heap o' trouble. You have to take the good with the bad and generally speaking EQ is a mess.
Regular Contributor
Kay_Cee
Posts: 199
Registered: ‎01-16-2008

Re: How to get aCLI by Discover?

So I opened the account in May and I got an automatic increase to my credit limit on 8/27, 3 months after I opened the account.  Today, I logged into my account saw another automatic limit increase effective 11/27, exactly three months later.  My line of credit with Discover started at $1,000 and was increased to $1,350 in August and $1,700 now.  Not huge but, I'll take it considering two years ago the only card I could get was a $300.00 Direct Merchants Bank Discover:smileyhappy:.
Contributor
boamacy
Posts: 86
Registered: ‎06-07-2009

Re: How to get aCLI by Discover?

congrats Kay_cee.

just curious ! do u know if the " request a cli " phone option is availible to you now ?


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+