topic Re: Discover - Recon SL? in Credit Card Applications

Discover - Recon SL?

Anonymous — Tue, 10 Apr 2018 21:14:58 GMT

Approved for Discover IT yesterday. First discover card I have applied for.

SL is just $1,200. Has anyone had success with recon of Discover SL?

Also, as others have reported, I use the Discover credit scorecard and am hopeful that this was only a soft pull for the instant approval. Would calling recon and requesting a larger SL almost guarantee a HP?

Lastly, this will be my 3rd credit card and my FICO scores currently are 637 Ex and Eq and 651 TU. Also, util when I applied was 22%. I do make a good salary, but with my current scores maybe I should just feel lucky to have been approved in the first place?

Regardless, I am happy with the approval, just wondering if anyone has had experience with this. Thanks in advance.

Re: Discover - Recon SL?

Anonymous — Tue, 10 Apr 2018 21:46:08 GMT

Congrats on the approval. Discover CLs do grow fast. What are the current limits on your cards? That has an impact on why you were started with $1,200.

Re: Discover - Recon SL?

Anonymous — Tue, 10 Apr 2018 21:54:39 GMT

Is the 22% utilization the aggregate for your two previous cards?

@Anonymous wrote:
Approved for Discover IT yesterday. First discover card I have applied for.

SL is just $1,200. Has anyone had success with recon of Discover SL?

Also, as others have reported, I use the Discover credit scorecard and am hopeful that this was only a soft pull for the instant approval. Would calling recon and requesting a larger SL almost guarantee a HP?

Lastly, this will be my 3rd credit card and my FICO scores currently are 637 Ex and Eq and 651 TU. Also, util when I applied was 22%. I do make a good salary, but with my current scores maybe I should just feel lucky to have been approved in the first place?

Regardless, I am happy with the approval, just wondering if anyone has had experience with this. Thanks in advance.

Re: Discover - Recon SL?

Anonymous — Tue, 10 Apr 2018 22:09:31 GMT

22% is the aggregate of both cards I currently have.

I have a Cap1 QS, 0% util with a $1,000 CL and a Cap1 Venture with 28% util and a $3,500 CL.

Re: Discover - Recon SL?

joltdude — Wed, 11 Apr 2018 00:59:18 GMT

Discover doesn’t really do recons.. that said it looks to me like your close to even possibly an auto cli but if it happens it will be a day or two after the third statement . If not giving disco 91 days before asking for a SP cli isn’t a bad timetable

Re: Discover - Recon SL?

Anonymous — Wed, 11 Apr 2018 01:20:34 GMT

Thank you, good to know that Discover typically does not do recons.

Re: Discover - Recon SL?

dsotm76 — Wed, 11 Apr 2018 02:07:45 GMT

When you said "Also, as others have reported, I use the Discover credit scorecard and am hopeful that this was only a soft pull for the instant approval," are you talking about the FICO scorecard that they give each month or something else? I'd love to app for a Discover with a soft pull.

Re: Discover - Recon SL?

joltdude — Wed, 11 Apr 2018 02:21:45 GMT

@dsotm76 wrote:
When you said "Also, as others have reported, I use the Discover credit scorecard and am hopeful that this was only a soft pull for the instant approval," are you talking about the FICO scorecard that they give each month or something else? I'd love to app for a Discover with a soft pull.

Discover offers a once a month free FICO score (different than the one they use for members BTW)... on their credit scorecard website...(so yes they are talking about that site)

Some folks have gotten a card with NO HP.... and this is very much a YMMV thing... if they are subscribed to Credit Scorecard and go through a preapproval....

Re: Discover - Recon SL?

Anonymous — Wed, 11 Apr 2018 13:48:47 GMT

Greetings!

I am a Scorecard member and did a preapproval though them on Jan 25th this year. It preapproved me for 2 cards. I picked one and hit the apply button on that preapproval for that card and was insantly approved for $8K with no hard pull.

Re: Discover - Recon SL?

dsotm76 — Wed, 11 Apr 2018 14:24:04 GMT

@Anonymous wrote:
Greetings!

I am a Scorecard member and did a preapproval though them on Jan 25th this year. It preapproved me for 2 cards. I picked one and hit the apply button on that preapproval for that card and was insantly approved for $8K with no hard pull.

I have the scorecard myself. Did you log into it first and then go to the see if you're prequalified link or just go to that one to begin with? I usually get preapproved for the main one and the miles one when I check. Would love to not have the HP for it.

Re: Discover - Recon SL?

Anonymous — Wed, 11 Apr 2018 14:28:33 GMT

Yes, I logged in first.

Re: Discover - Recon SL?

Anonymous — Wed, 11 Apr 2018 15:41:44 GMT

Turns out Discover did check my EQ. But, to the point of the topic, it sounds like CLI’s can come fairly quickly with Discover and it is unlikely that that they would change the SL.

I am tempted to call and just ask. If I do I will update.

Re: Discover - Recon SL?

Anonymous — Wed, 11 Apr 2018 15:54:52 GMT

This thread prompted me to see if I had an inquiry from Discover from when I applied. I do recall that I logged in to view my score card and like every month before I checked to see if I was pre-qualified. It - Chrome and Miles popped up (shocked) so I applied. I was instantly approved for $10k. Since that time I got an auto CLI after 3mos (no HP) to $11,500. Just to make sure I wasn't leaving any money on the table I pressed the luv button and was approved for an additional $500 to $12k (no HP).

So when you get the auto CLI, don't forget to hit the luv button just in case. CLIs with Discover are SPs.

Re: Discover - Recon SL?

dsotm76 — Wed, 11 Apr 2018 16:02:25 GMT

@Anonymous wrote:
Turns out Discover did check my EQ. But, to the point of the topic, it sounds like CLI’s can come fairly quickly with Discover and it is unlikely that that they would change the SL.

I am tempted to call and just ask. If I do I will update.

Thanks for the update!