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Okay, after speaking with underwritter a couple of nights ago I got it approved for $1,000 Motiva Card.. and this morning just got emails from discover saying my account online is ready to view it so I login and I see everything.. the card designs, credit line info, etc .. I was wondering should I speak with discover to see if they can bump it up to $1,500 or maybe even $2,000 before I get the card ? or wait for the card to arrive 1st then can ask for little bit more credit upon activation ? I was also told I can do PC at 6 months from Motvia to IT card, should I try to see if I can do it upon activation the card as well? anyone got success for doing either PC or credit line bumped up upon activation ? if Discover is firm about me starting out on $1,000 then I could max it out every month and PIF and try ask for CLI in 6 months to see if that works.
@SnowBowl wrote:Okay, after speaking with underwritter a couple of nights ago I got it approved for $1,000 Motiva Card.. and this morning just got emails from discover saying my account online is ready to view it so I login and I see everything.. the card designs, credit line info, etc .. I was wondering should I speak with discover to see if they can bump it up to $1,500 or maybe even $2,000 before I get the card ? or wait for the card to arrive 1st then can ask for little bit more credit upon activation ? I was also told I can do PC at 6 months from Motvia to IT card, should I try to see if I can do it upon activation the card as well? anyone got success for doing either PC or credit line bumped up upon activation ? if Discover is firm about me starting out on $1,000 then I could max it out every month and PIF and try ask for CLI in 6 months to see if that works.
My partner got approved for $4500 recently and they were a NO budge on any CLI reviews and said it wasn't possible... BUT, although maybe not usual, it's also not NEVER heard of which kind of makes me irritated... I hate being lied to by a bank.
You can try, but I would just wait 6 months.
@Creditaddict wrote:
@SnowBowl wrote:Okay, after speaking with underwritter a couple of nights ago I got it approved for $1,000 Motiva Card.. and this morning just got emails from discover saying my account online is ready to view it so I login and I see everything.. the card designs, credit line info, etc .. I was wondering should I speak with discover to see if they can bump it up to $1,500 or maybe even $2,000 before I get the card ? or wait for the card to arrive 1st then can ask for little bit more credit upon activation ? I was also told I can do PC at 6 months from Motvia to IT card, should I try to see if I can do it upon activation the card as well? anyone got success for doing either PC or credit line bumped up upon activation ? if Discover is firm about me starting out on $1,000 then I could max it out every month and PIF and try ask for CLI in 6 months to see if that works.
My partner got approved for $4500 recently and they were a NO budge on any CLI reviews and said it wasn't possible... BUT, although maybe not usual, it's also not NEVER heard of which kind of makes me irritated... I hate being lied to by a bank.
You can try, but I would just wait 6 months.
Do you think Discover is fairly easy to go over the limit ? like $100 ish? if mine went over the limit for next 6 months its gonna be PIF anyways, it wouldnt matter. I am just happy to have my 1st prime card
@09Lexie wrote:
Fairly easy to go over the limit? Are you doing a bt or just everyday purchases?
everyday purchases , gas purchases, phone bill,etc I have decided to make this card primary to get the most actitvites for the next 6 billing cycles..
Just curious, why didn't you apply for the Discover it card instead? To be honest, I don't think you will be able to get Discover to give you a CLI until you've had it for at least 6 months...but I was able to recon my initial CL from 5k to 10k:
@kevinjjc wrote:Just curious, why didn't you apply for the Discover it card instead? To be honest, I don't think you will be able to get Discover to give you a CLI until you've had it for at least 6 months...but I was able to recon my initial CL from 5k to 10k:
I was told I can do PC after 6 months ... atleast thats what underwritter told me... so do you think I should try calling them up later today? even tho I have not got my Motiva Card in the mail yet.. but online access is all done.