Reply
Moderator
09Lexie
Posts: 22,518
Registered: ‎09-13-2012

Re: No Discover Luv Without a HP...

[ Edited ]
Regular Contributor
IcEWoLF
Posts: 240
Registered: ‎02-25-2009

Re: No Discover Luv Without a HP...


09Lexie wrote:
@colinstu

Discover can be conservative with CLI's but they can also be generous. I've noticed that if the file isn't clean, auto/sp CLI's are slim. Clean files seems to have it a lot easier with sp CLI's.

I barely use my Discover card since I got it few months ago and already got 2 auto CLI so far this year. (every 3 months).

I had a friend that got a Discover card around the same time I did, and he also got an auto CLI after 3 months, but he got only 1 auto cli. 

 

Whoever said Discover not being generous, they are wrong. Heck I was Chase would be generous. :smileyvery-happy:

 


EQ: 739 TU: 758 EXP: 798
Chase Sapphire Preferred: 7K | Chase Freedom Visa Signature: 5.7K
MERRILL+® Visa Signature®: 5K | Bank of America Accelerated Cash Rewards American Express Card: 5K
BankAmericard Privileges® with Cash Rewards: 7K
Discover IT: 8.5K | Costco AMEX: 10.7K | Barclay NFL: 4.9K | Citi ThankYou Preferred World Mastercard 7K | Amazon Chase 1.7K
Moderator
09Lexie
Posts: 22,518
Registered: ‎09-13-2012

Re: No Discover Luv Without a HP...

@IcEWoLF

Your experience sounds like mine! Including Chase :smileysad:
Regular Contributor
IcEWoLF
Posts: 240
Registered: ‎02-25-2009

Re: No Discover Luv Without a HP...


09Lexie wrote:
@IcEWoLF

Your experience sounds like mine! Including Chase :smileysad:

Maybe things will be different now since I paid off my auto loan from chase last month. Maybe they will be little nicer to me now. :smileyvery-happy:


EQ: 739 TU: 758 EXP: 798
Chase Sapphire Preferred: 7K | Chase Freedom Visa Signature: 5.7K
MERRILL+® Visa Signature®: 5K | Bank of America Accelerated Cash Rewards American Express Card: 5K
BankAmericard Privileges® with Cash Rewards: 7K
Discover IT: 8.5K | Costco AMEX: 10.7K | Barclay NFL: 4.9K | Citi ThankYou Preferred World Mastercard 7K | Amazon Chase 1.7K
Moderator
09Lexie
Posts: 22,518
Registered: ‎09-13-2012

Re: No Discover Luv Without a HP...

It didn't work for me..I paid mine off in March.

Fingers crossed for you!
Established Contributor
hot4u
Posts: 615
Registered: ‎04-21-2013

Re: No Discover Luv Without a HP...

Discover was my lowest limit card. Decided to clean up cards I don't use and got rid of them.


(Citi)- Dividends Platinum Select, AAdvantage® platinum Visa signature,
(Chase)- Freedom, Sapphire Preferred®, United MileagePlus® Explorer,NFCU Flagship Rewards.
Amex's- BCE 19,500, Hilton 14,000 and SPG® 3/24/14 First Hawaiian Bank
Priority Destinations World Elite $20,000 Garden-
3/16/14 EQ - 739 EX- 762 TU- 768

Super Contributor
enharu
Posts: 6,828
Registered: ‎02-27-2013

Re: No Discover Luv Without a HP...

[ Edited ]
It's really just 1 inquiry on TU for a CLI request for discover. If you are in a predominantly EX / EQ area, a HP on TU really doesn't matter at all. I went ahead and did a hp CLI anyhow since my only other inquiry on TU is by Barclays.

From what I have seen they can be pretty generous for hp CLIs, as long as you are able to convince the analyst that you will be utilizing that credit line. If you just want it for padding purposes, look elsewhere, such as GE. Since you said you don't use the card much, your odds are not as good. Is there a reason why you even need or want a CLI on a card you barely use?
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Discover IT (15k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k).
Regular Contributor
Fresh-Start
Posts: 238
Registered: ‎10-18-2012

Re: No Discover Luv Without a HP...

I've had my Discover card for almost two years and have only received one CLI of $500.  I've requested CLI's twice and have been denied.  I've used them quite heavily and have always paid large amounts of the balance each month, but they just won't budge.  I've had high utl, low utl, Scores have always been pretty consistent as when I was approved for the card, have never paid late, and always paid more than due,  but still no love. Not sure what they look for to qualify for a CLI. 

 

Meanwhile, all my other cards continue to grow slowly leaving Discover in the dust.  I've actually thought about closing the Discover card because it simply will not grow.  For now, it's sock drawered until I pay off what's left of the balance and then I guess I'll decide.  I would keep it and just sock drawer for good, but not sure if they would end up closing it for inactivity if I did that.

Valued Contributor
lg8302ch
Posts: 2,026
Registered: ‎11-13-2012

Re: No Discover Luv Without a HP...

[ Edited ]
I am in the same boat. Discover is now 10 months and from 6th statement onward I have tried to get the CL with SP via website or phone to match my 2nd lowest and no luck either. Heavy use did not help so now on SD mode and see what this will do. When Discover does account reviews which bureau do they use? While I have quite a few AR for Citi and Cap1 on EQ I wonder if Discover pulls EX or TU for AR?
FICO® EQ 774 (as of today) - TU 778 (04/01) * Fako EX 816 (04/03 - CS) * last app 11/09/13 * INQ last 2 yrs TU: 4, EX: 6, EQ: 6
Regular Contributor
colinstu
Posts: 147
Registered: ‎06-22-2013

Re: No Discover Luv Without a HP...

I'm in WI and they used TU for my initial application for the card and for the CLI request. Not sure what they use for AR but probably the same. Not sure if you can talk them into using another. Good score or not, they don't seem to be happy with lots of inqs and low AAoA. Your best bet would to just SD it for awhile and not get any more HPs. 

TU FICO 2/14 737 | EQ FICO 6/13 724 | EX FICO ??? | CS 4/14 747 | CK 3/14 730
Amex BCE $3,200 | Chase Freedom $3,000 | Citi Forward $2,500 | Barclaycard Rewards $2,000 | Capital One Journey $1,250 | Discover IT $500 | Newegg Preferred $2,000
Want: CapitalOne Quicksilver, SallieMae WMC, US Bank Cash+

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+