Testing Discover.....what do you think?

[snowkitty]

I've had a Discover card for almost two years now. I've only had one cli and it cost me a hp. They just will not give me one with a sp. I use the card every month. I run about 400.00 monthly thru it and pif before the statement date. I have never ran a balance with them and I think that may be the problem. Right now I owe about 800.00 to them and I was going to pif now but want to try and let that balance hit on the 25th and then pif. Should I try this for a few months to see if it makes a difference? My overall utilization is 12%. Is it risky to let more post?

[changingmantra2]

For my first couple of CLI - I HAD to get them by way of HPs - although interestingly -  I only saw one appear on my CR -  Nevertheless..... there might not be a way around this for now.  There have been a few peole lately saying they have gotten them... so ....   I believe in my case - not only did carrying balances helpe with those approvals - but I got those increases by sayng that I wante to make BTs. 

[Creditaddict]

yeah I think you just need to let the hp be done and speak directly wtih underwriter if computer doesn't respond well even with hp and ask for a LOT since you are taking the hp.

my partner and I finally doubled from $4500-$9k after a year and letting them hp and system initially declined all together but after be transferred to underwriting they talked to us and reviewed credit and approved.

[snowkitty]

I don't really "need" a cli but it just bugs me that they are the only place that won't do one with a sp....lol I know y'all will understand......I have nothing to app for and I'm getting antsy for some cc instant gratification

If I were to ask for one with a hp, what would be a good amount to ask for? Double? I would like for the card to at least sit at 5k.

[PlasticOrPlastic]

Auto CLI's are great, but it seems like if you bite the bullet and take the HP you get a much larger CLI, so far in my experience at least.  In 3 months I've taken 2 HP's with Discover and went up $2200 (I've had the card 4 months).  Barclay was the same, they gave me a 2X auto CLI (very nice) but when I called and took an HP I got another $2700.  It wont hurt to let a balance report with Discover, they seem to like that (its going to be my test now as well).  I've allowed them 2 HP's and a little bit of interest, gonna see if that results in anything in 3-6 months. 

Edit:  If your going to ask and take the HP shoot high!  This has been my mistake twice cause I always chicken out when talking to the analyst, they will counter if your offer is to much. 

[MrCredit]

I have the same issue with Discover. I am stuck at $4k. I have been with them a little more than a year and have always paid in full except for once and never went more than 75% of my CL at a time. Cannot get CLI from them either. I hate the way they operate but the reality is they are very conservative. 

[PlasticOrPlastic]

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@MrCredit wrote:

I have the same issue with Discover. I am stuck at $4k. I have been with them a little more than a year and have always paid in full except for once and never went more than 75% of my CL at a time. Cannot get CLI from them either. I hate the way they operate but the reality is they are very conservative. 

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Have you offered to take a HP?

[MrCredit]

No I have too many inquiries right now and do not need the increase really just would like it for util.

[parakleet]

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@snowkitty wrote:
I don't really "need" a cli but it just bugs me that they are the only place that won't do one with a sp....lol I know y'all will understand......I have nothing to app for and I'm getting antsy for some cc instant gratification

If I were to ask for one with a hp, what would be a good amount to ask for? Double? I would like for the card to at least sit at 5k.

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If you're not looking to app for new credit, why are you playing the utilization game with discover by PIF before the statement cuts?

[ways2go]

i tried asking for a cli and it said it would be a hp.  i asked for a 1300 and then again a 1000,  both said a hp.  i just recently received a auto cli of 300.  it seems like i have been getting a 300 auto cli every 3 months.  i've had it a year and gone from 2500 to 3700.