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Regular Contributor
Posts: 118
Registered: ‎06-10-2012
0

New Discover card CLI or not to CLI that is the question

I received my new Discover card on Friday. When I app'd I was an instant approval with 720+ across the board. No baddies and CC utilization at 15% and they pulled both EX & EQ. they gave me a $1500 CL. I called the 800# on their website to find out if they could give me a better CL. She said their policy is to inquire after 6 months. Should I call the backdoor number and speak to a credit analyst for a CLI or should I take the CSR's advice?
 

Starting Score:
585
Current Score: FICO TU 725 FICO EQ 735 EX 754
Goal Score: 850


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Established Member
Posts: 54
Registered: ‎08-10-2012
0

Re: New Discover card CLI or not to CLI that is the question

Well, the worst they could say is no.

 

IIRC Discover is pretty stringent with the initial CL.  But hey, you never know.

In the wallet: USAA MC $4k, Citi Expedia MC $2k, Discover More $1k, Zync $500, American Eagle $1.9k, Amazon Store $1.5k, Lowes $1k, Belk $1.4k, Macy's $500, Abercrombie $350, VS $350
Score: 702 (Discover approval 08/03)
Goal: 800 Club
Picking up my intro spade and stepping in the garden. Let's grow some pretty roses!
Valued Contributor
Posts: 1,971
Registered: ‎01-24-2012
0

Re: New Discover card CLI or not to CLI that is the question

I was also told six months by two people so just let it go, as it was not really that important to me.

Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
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Re: New Discover card CLI or not to CLI that is the question

they told me the samething :smileyvery-happy:


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

Established Contributor
Posts: 569
Registered: ‎09-10-2012
0

Re: New Discover card CLI or not to CLI that is the question

Same here :smileyvery-happy:

Amex Platinum (NPSL) | Amex BCE (33,400) | Chase Sapphire Preferred (24,800) | Discover IT (16,200) | Citi DCB (7,000) | CapOne (7,000) | Chase Freedom (6,300) | Walmart (4,500) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)


Regular Contributor
Posts: 118
Registered: ‎06-10-2012
0

Re: New Discover card CLI or not to CLI that is the question

It sure wasn't worth 2 HP's. I was sure that I was going to get at least 4k. Oh well, maybe it will be worth it in 6 months.... Thanks
 

Starting Score:
585
Current Score: FICO TU 725 FICO EQ 735 EX 754
Goal Score: 850


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