topic Re: Disco CLI to DD or not in Credit Card Approvals

Disco CLI to DD or not

Anonymous — Wed, 18 Jul 2018 23:19:38 GMT

Applied and approved for Discover IT in April with SL 2400. Logged in today and saw $500 CLI. Not much but I’ll take it! I think the increase happened either yesterday or today. Last log in was Monday and it wasn’t there. Any advice on DD? I hit the luv button and it asked me to enter personal/income info and had the disclaimer that they could “check my bureau”. I didn’t proceed because I don’t want a HP just to DD. Just curious....

Re: Disco CLI to DD or not

Anonymous — Wed, 18 Jul 2018 23:43:20 GMT

Congrats on CLI!

Re: Disco CLI to DD or not

peghede — Wed, 18 Jul 2018 23:48:05 GMT

better you call in and say" double dip please" they will tell you if they need to hp.

Re: Disco CLI to DD or not

Anonymous — Thu, 19 Jul 2018 00:10:03 GMT

Congrats on CLI !!!!!

Re: Disco CLI to DD or not

MartyWrite75 — Thu, 19 Jul 2018 13:15:27 GMT

Congratulations on your CLI!

Re: Disco CLI to DD or not

Anonymous — Thu, 19 Jul 2018 13:22:10 GMT

I'd give them a call. Better to know for sure if they're going to HP and you'll never know if you don't ask!
Grats on the CLI!

Re: Disco CLI to DD or not

Anonymous — Thu, 19 Jul 2018 13:28:17 GMT

Congrats on the CLI. It would be better to call-in and ask for another CLI. They should be able to tell you if it would only be a SP.

Re: Disco CLI to DD or not

Anonymous — Thu, 19 Jul 2018 14:00:04 GMT

Congratulations on the CLI! Best option is to give them a call and to request for any additional increase.

Re: Disco CLI to DD or not

Anonymous — Thu, 19 Jul 2018 13:59:06 GMT

No, in my experience with Disco, luv button is always a SP. They will specify specifically again after that screen if they need to do a HP and will ask for your consent first. You can ask Disco for luv anytime on SP. They have no timeline. Go for DD!!

Note: This is the language you see on luv button screen right?

After reviewing your application we might need to pull a credit bureau report, which may affect your credit score. In these cases, we will proceed with the application only with your consent.

If so, this is SP... hope this helps and update us back with outcome! 😊

Re: Disco CLI to DD or not

xaximus — Thu, 19 Jul 2018 14:06:09 GMT

Congrats on the CLI!

Re: Disco CLI to DD or not

Anonymous — Thu, 19 Jul 2018 14:24:55 GMT

Thanks everyone! @jprecious86 that is exactly what it read. I went ahead and tried and got 3-5 day message, no HP. I’m good for now. I’ll ride the AJC special Disco train with @AverageJoesCredit 😉.

Re: Disco CLI to DD or not

Anonymous — Fri, 20 Jul 2018 10:10:27 GMT

@Anonymous wrote:
@Anonymous everyone! @Anonymous that is exactly what it read. I went ahead and tried and got 3-5 day message, no HP. I’m good for now. I’ll ride the AJC special Disco train with @AverageJoesCredit 😉.

Great, glad I could help!

You'll get it next time OP! Hey, remember, you still got an increase with Disco and that's worth praise enough!!