Moderator Emeritus
WhirledPeasPlease
Posts: 3,417
Registered: ‎12-27-2007
My attempt at a Discover CLI..
So, I'm leaving on a few vacations here shortly and I thought OOH, it's a good time to see what Discover can do for me.  They 'warned' me when I got the card that it would probably take 6 months for a CLI.  (I'm sitting at 1.1k, 3rd lowest TL out of 12.) 
 
For entertainment purposes only I called to see if there was anything that could be done w/o a hard inq.  The nice CSR said "No worries, I can pull a soft inquiry that will not affect your score."  Uh huh.  I checked my EX for softs/hards and I don't see anything.  I can't pull TC until later in the day to be sure they didn't hard EQ/TU.
 
She also reminded me that it will probably take 6 months before they will allow it w/ a soft, and that I've only had the card for 4 months.
 
Sure enough, no CLI.  You bet I'll call back in 2 months.  In the meantime, I'll update this post if I see any hards!
 
I just love my Discover More card.  I was looking over my past statements and noticed that I earned more than 20 bucks in cash back for the first quarter of the year.  I asked her about this and was told that the cap for the first quarter was 5 percent on up to 800 in purchases, instead of the normal 400.
 
I hope this helps somebody!
~*~*~*~*~*~*~*~*~*~*~
From 700 in 2008 to 498 in 2012...
4/23/12 -- BK 13 date of filing EQ = 505
4/18/12 -- EQ 498
12/5/13 -- EQ 669
Here we go.... back on track.
Moderator Emeritus
WhirledPeasPlease
Posts: 3,417
Registered: ‎12-27-2007
Re: My attempt at a Discover CLI..
Just a quick update:  No hard inquiries!  YAY!
~*~*~*~*~*~*~*~*~*~*~
From 700 in 2008 to 498 in 2012...
4/23/12 -- BK 13 date of filing EQ = 505
4/18/12 -- EQ 498
12/5/13 -- EQ 669
Here we go.... back on track.
Moderator Emeritus
cheddar
Posts: 6,794
Registered: ‎09-29-2007
Re: My attempt at a Discover CLI..


WhirledPeasPlease wrote:
Just a quick update:  No hard inquiries!  YAY!


Excellent!  Good luck when you call back in a few months.  Because we all know you will be calling back.
----------------------------
App free since 7/11/08.
TU 744 / EX 710 / EQ 694 (Starting to slip. :smileysurprised: )
Moderator Emeritus
WhirledPeasPlease
Posts: 3,417
Registered: ‎12-27-2007
Re: My attempt at a Discover CLI..
Uh huh.  August 26, 2008 -- I'll be all over it!
 
:smileywink:
~*~*~*~*~*~*~*~*~*~*~
From 700 in 2008 to 498 in 2012...
4/23/12 -- BK 13 date of filing EQ = 505
4/18/12 -- EQ 498
12/5/13 -- EQ 669
Here we go.... back on track.
Senior Contributor
UpUpUp
Posts: 3,017
Registered: ‎06-03-2008
Re: My attempt at a Discover CLI..
*bump* Just wanted to remind you the 26th is around the corner...:smileyvery-happy:
Frequent Contributor
islandchild82
Posts: 490
Registered: ‎01-24-2008
Re: My attempt at a Discover CLI..


UpUpUp wrote:
*bump* Just wanted to remind you the 26th is around the corner...:smileyvery-happy:



Lol, it is! Good luck, Peas!
Senior Contributor
UpUpUp
Posts: 3,017
Registered: ‎06-03-2008
Re: My attempt at a Discover CLI..
[ Edited ]
Okay, for the sake of noting that I'm not stalking this thread, I'll let it be known that I just did a search for Discover and CLI on google and this was one of the first 3 links. 
 
Now that I have that out of the way....I do believe today is the big day....


Message Edited by UpUpUp on 08-26-2008 09:04 PM
Established Member
Andrew_Garcia_4918
Posts: 53
Registered: ‎08-21-2008
Re: My attempt at a Discover CLI..


WhirledPeasPlease wrote:
So, I'm leaving on a few vacations here shortly and I thought OOH, it's a good time to see what Discover can do for me. They 'warned' me when I got the card that it would probably take 6 months for a CLI. (I'm sitting at 1.1k, 3rd lowest TL out of 12.)


For entertainment purposes only I called to see if there was anything that could be done w/o a hard inq. The nice CSR said "No worries, I can pull a soft inquiry that will not affect your score." Uh huh. I checked my EX for softs/hards and I don't see anything. I can't pull TC until later in the day to be sure they didn't hard EQ/TU.


She also reminded me that it will probably take 6 months before they will allow it w/ a soft, and that I've only had the card for 4 months.


Sure enough, no CLI. You bet I'll call back in 2 months. In the meantime, I'll update this post if I see any hards!


I just love my Discover More card. I was looking over my past statements and noticed that I earned more than 20 bucks in cash back for the first quarter of the year. I asked her about this and was told that the cap for the first quarter was 5 percent on up to 800 in purchases, instead of the normal 400.


I hope this helps somebody!






Man, I got the same problem with discover they won't on soft. They keep asking to pull hard but I don't know what to hurt myself on the scores.

If you get a chance read my post Cap1 Vs. Discover. You will see the difference b/w the 2agencies. If you get a CLI let me know what you did. I like my discover but now having second thoughts. I mean I am going to keep the card just look at it a different way.
TRANS - 735 / EXP - 697 / EQUI - 670 (8/29/08)
TRANS - 718 / EXP - 679 / EQUI - 645 (8/25/08)
TRANS - 692 / EXP - 674 / EQUI - 631 (8/19/08)
Senior Contributor
UpUpUp
Posts: 3,017
Registered: ‎06-03-2008
Re: My attempt at a Discover CLI..
Andrew do you have the HSBC Discover card?  HSBC is even worse at giving CLI.
Established Member
Andrew_Garcia_4918
Posts: 53
Registered: ‎08-21-2008
Re: My attempt at a Discover CLI..


UpUpUp wrote:
Andrew do you have the HSBC Discover card? HSBC is even worse at giving CLI.





No, Discover more
TRANS - 735 / EXP - 697 / EQUI - 670 (8/29/08)
TRANS - 718 / EXP - 679 / EQUI - 645 (8/25/08)
TRANS - 692 / EXP - 674 / EQUI - 631 (8/19/08)