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

Regular Contributor

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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5 REPLIES
Established Member

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

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

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

they told me the samething Smiley Very 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

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

Same here Smiley Very Happy

Amex Platinum | Discover IT | Amex BCE | Citi DCB | Chase Sapphire Reserve | Chase Sapphire Preferred | CapOne | NFCU goRewards and CLOC | Chase Freedom | Walmart | Alliant CU Visa | Couple of Biz Cards | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO (TU/EX/EQ): 737/772/752 - Total CL 215+K

Regular Contributor

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


Take the FICO Fitness Challenge