topic Re: Discover it SP & HP CLI's approved!!! in Credit Card Approvals

Discover it SP & HP CLI's approved!!!

kevinjjc — Mon, 29 Jul 2013 19:06:26 GMT

I recently went from a 15,000 limit, soft pull CLI to 19,500, then took a TU hard pull (I'm in NY) CLI to 24,500 after providing proof of employment. I've had Discover since June 2012, so a little over a year old (was originally a Discover More with a 10,000 limit, then HP CLI to 15,000).

Discover can be generous if you're willing to let them HP. YMMV.

Re: Discover it SP & HP CLI's approved!!!

Anonymous — Mon, 29 Jul 2013 19:01:14 GMT

Congrats!

It appears so!

Re: Discover it SP & HP CLI's approved!!!

kevinjjc — Mon, 29 Jul 2013 19:09:49 GMT

@Anonymous wrote:
Congrats!

It appears so!

Thanks!

I'm hoping LS reads this!

Look at it this way, a lot of people let Capital One triple pull for a new card, so why is it a big deal if Discover wants to HP for a CLI?

Re: Discover it SP & HP CLI's approved!!!

Anonymous — Mon, 29 Jul 2013 19:14:03 GMT

I don't have a problem with HPs for CLI's as long as they net a nice increase. It appears Discover and BoA will reward you with nice bumps.

Re: Discover it SP & HP CLI's approved!!!

kobe2012 — Mon, 29 Jul 2013 19:21:51 GMT

congratz!.. do they normally pull TU for cli??? i'm in ca

Re: Discover it SP & HP CLI's approved!!!

shakalaka — Mon, 29 Jul 2013 19:22:59 GMT

Congrats - nice one

Re: Discover it SP & HP CLI's approved!!!

kevinjjc — Mon, 29 Jul 2013 19:24:57 GMT

@kobe2012 wrote:
congratz!.. do they normally pull TU for cli??? i'm in ca

IME, Discover pulls TU for CLI's and EQ for new accounts. I'm in New York.

Re: Discover it SP & HP CLI's approved!!!

kevinjjc — Mon, 29 Jul 2013 19:30:20 GMT

@shakalaka wrote:
Congrats - nice one

Thanks! I wanted a nice round # like 25k. To be honest, the 24.5k limit bothers me a little. I guess I'm weird.

Re: Discover it SP & HP CLI's approved!!!

mxp114 — Mon, 29 Jul 2013 20:38:23 GMT

Decrease it to $24,000 - a nice even number if that's better for you. Congrats on the increase. The next one will require additional documentation.

Re: Discover it SP & HP CLI's approved!!!

kevinjjc — Mon, 29 Jul 2013 20:42:15 GMT

@mxp114 wrote:
Decrease it to $24,000 - a nice even number if that's better for you. Congrats on the increase. The next one will require additional documentation.

Even for a measly bump to 25,000? What kind of additional docs?

Re: Discover it SP & HP CLI's approved!!!

KIPPIE12 — Mon, 29 Jul 2013 22:29:45 GMT

Anything over 25k, most likely paystubs or tax returns, but someone might want to chime in here for clarification.

Re: Discover it SP & HP CLI's approved!!!

tennisfan78 — Wed, 31 Jul 2013 16:14:19 GMT

Congrats!!!! Thats an awesome CLI and total credit limit.

I am curious to know what your annual income is?

Thanks

Re: Discover it SP & HP CLI's approved!!!

migliogiorni — Wed, 31 Jul 2013 16:43:46 GMT

congrats!

Re: Discover it SP & HP CLI's approved!!!

kevinjjc — Wed, 31 Jul 2013 16:56:47 GMT

@tennisfan78 wrote:

Congrats!!!! Thats an awesome CLI and total credit limit.
I am curious to know what your annual income is?

Thanks

Only 45k.

Re: Discover it SP & HP CLI's approved!!!

youngman1234 — Thu, 01 Aug 2013 04:50:07 GMT

Re: Discover it SP & HP CLI's approved!!!

youngman1234 — Thu, 01 Aug 2013 04:51:12 GMT

What's proof of employment did they ask you for to go upto 24,500 ??

Re: Discover it SP & HP CLI's approved!!!

kevinjjc — Thu, 01 Aug 2013 11:24:14 GMT

@youngman1234 wrote:
What's proof of employment did they ask you for to go upto 24,500 ??

I emailed Discover a copy of my most recent paystub. The credit analyst told me to send either a paystub or a letter from HR on the company letterhead.

Re: Discover it SP & HP CLI's approved!!!

youngman1234 — Thu, 01 Aug 2013 14:10:17 GMT

Oh ok,

Does anyone know what they ask for when you go for higher than 24,500 ?? Will it be the 4506t form like Amex ??