topic Re: Disco Already Hates Me in Credit Card Applications

Disco Already Hates Me

Queen_Etherea — Wed, 07 Nov 2018 23:30:31 GMT

So it's official: Discover hates me.

I've had every one tell me to ask for a CLI 60 days +1 and today was that day. I tried hitting that luv button and they rejected my love that I so want to give them. Why can't they just love me back?

LOL anyways, for my real question... Does asking for a CLI in any way affect your chances of a CLI in the future? Like does getting rejected today mean that they won't give me an auto increase later, or hurt my chances when I ask again?

How long should I wait to ask for another one since I did get denied this time around?

Thanks!!

Re: Disco Already Hates Me

Remedios — Wed, 07 Nov 2018 23:51:17 GMT

There is no particular schedule at which Disco may grant CLI. Whole 61 days thing is more attributable to Amex than Discover

You've also opened a bunch of accounts in a short period of time, which makes you appear more of a risk. They may not be willing to extend any more credit at this time. You may try every 30 days (about a week after they do a soft pull).

Honestly, I'd just slow down for a while . 7 new accounts in one month is a lot. Let the dust settle, CLIs will come (aka patience)

Re: Disco Already Hates Me

HeavenOhio — Wed, 07 Nov 2018 23:55:30 GMT

@Queen_Etherea, you're going to be fine.

First, keep in mind that there's no rhyme or reason with Discover and CLIs. Not everyone gets a CLI at 60 days. Sometimes, it's 90 days. Or maybe it's six months. Or whatever.

Basically, I'd check 60 days after opening the card (which you did), 30 days after a denial, and 60 days after an approval. As time goes on, you might detect a success pattern and go with that. The bottom line is that they don't penalize you for trying.

Someone who has the card should chime in on this, but I think one thing to do is time your requests so they come after the credit score update within your account each month.

Re: Disco Already Hates Me

chhull00 — Thu, 08 Nov 2018 00:00:38 GMT

@Queen_Etherea wrote:
So it's official: Discover hates me.

I've had every one tell me to ask for a CLI 60 days +1 and today was that day. I tried hitting that luv button and they rejected my love that I so want to give them. Why can't they just love me back?

LOL anyways, for my real question... Does asking for a CLI in any way affect your chances of a CLI in the future? Like does getting rejected today mean that they won't give me an auto increase later, or hurt my chances when I ask again?

How long should I wait to ask for another one since I did get denied this time around?

Thanks!!

I personally dont think it matters to them if you request more, if fact they ask you to request more, but i think with my discover card it was after 90 days before i asked for more and recieved it so i would put some use on it then ask again after 90 days, i have heard they like use on their cards, i put around 66 dollars on my card a month and i have a nice limit

Re: Disco Already Hates Me

Caught750 — Thu, 08 Nov 2018 00:04:22 GMT

Discover doesn't hate you, you're simply misinformed. You'll be completely fine. Amex is 61 days. Discover is different. Whatever month your card was opened in go to the first of that month, I'm guessing sometime in September? December first you can ask. If it was October then January first. Discover starts from the first of the month and wants 3 months. That's all. You were just ahead of yourself.

Re: Disco Already Hates Me

Queen_Etherea — Thu, 08 Nov 2018 00:18:39 GMT

I use my card VERY heavily. I basically replaced my debit card with my Disco card. I’ve probably put around $2,500 total on my card since I got it. I also PIF as soon as the balance posts.

Re: Disco Already Hates Me

Queen_Etherea — Thu, 08 Nov 2018 00:19:58 GMT

@Chasing750

Thank you! I opened my card in September, so I’ll wait till December to request another one then.

Re: Disco Already Hates Me

Remedios — Thu, 08 Nov 2018 01:20:35 GMT

Wait about a week after December statement is cut. All of my auto increases (about 4) happened 7-8 days after statement date.
If they dont give you auto cli, push the love button.

Re: Disco Already Hates Me

Anonymous — Thu, 08 Nov 2018 02:04:00 GMT

You have plenty of other cards.. Why use discover, especially after they cancelled all benefits?

Re: Disco Already Hates Me

Remedios — Thu, 08 Nov 2018 02:14:42 GMT

@Anonymous wrote:
You have plenty of other cards.. Why use discover, especially after they cancelled all benefits?

OP's question was about CLI, not her choice of cards.

If she needed help with that, she would have asked.

I dont think this is a proper thread for lender bashing.

Re: Disco Already Hates Me

Anonymous — Thu, 08 Nov 2018 02:32:51 GMT

No, frequent CLI requests through Discover and frequent denials do not hinder future CLI opportunities.

I've mentioned this in many Discover-related threads in the past, but I requested a CLI from them every single Monday for 38 weeks. If that isn't persistent, I don't know what is. I've took my limit from $12,500 to $34,300 in about 1.5 years, so IMO there's nothing wrong with slamming the CLI request button often.

Re: Disco Already Hates Me

Queen_Etherea — Thu, 08 Nov 2018 03:26:46 GMT

@BrutalBodyShots

Lol!! I seriously love you. That is 100% something I would do. I’ll give them till my statement cuts in December and then they’re going to be bombarded weekly with my advances.

Re: Disco Already Hates Me

Queen_Etherea — Thu, 08 Nov 2018 03:34:04 GMT

@Remedios

I know... I went a little buck wild. I was just so happy that I was actually being approved for things. I’ve gone my whole 30 years on this earth without this feeling and well, as we all know, it’s quite addicting. I’ve always had crappy credit because I honestly didn’t know better, or just didn’t care. I have a family now who depends on me and these are things that are extremely important in my life at the moment. I hope to buy a house by next year or 2020 latest. We’re living in a crappy 1 bedroom apartment right now because the rent is ridiculously cheap (at least for Southern California), so we’re able to save A LOT of money.

I’ll let these accounts settle. I haven’t and won’t apply for anything any time soon. I just got my new car (Yay first NEW car!) so I’m quite happy with what I have. I know in time I’ll move on to better things, but for now, I’m happy.

Re: Disco Already Hates Me

Queen_Etherea — Thu, 08 Nov 2018 03:40:27 GMT

@HeavenOhio

That’s a good idea! I was wondering if they used the credit score they showed on my account, or if they did a new soft pull. Right now Discover shows my score at 671, but it’s actually 691! But I’m going to wait till after my December statement to try again.

Thank you!

Re: Disco Already Hates Me

Queen_Etherea — Thu, 08 Nov 2018 03:42:03 GMT

@Andru123

What do you mean exactly? I get 2% back on all my purchases at the moment. Is there another card I should be using?

Re: Disco Already Hates Me

Remedios — Thu, 08 Nov 2018 03:43:50 GMT

@Queen_Etherea wrote:
@Remedios

I know... I went a little buck wild. I was just so happy that I was actually being approved for things. I’ve gone my whole 30 years on this earth without this feeling and well, as we all know, it’s quite addicting. I’ve always had crappy credit because I honestly didn’t know better, or just didn’t care. I have a family now who depends on me and these are things that are extremely important in my life at the moment. I hope to buy a house by next year or 2020 latest. We’re living in a crappy 1 bedroom apartment right now because the rent is ridiculously cheap (at least for Southern California), so we’re able to save A LOT of money.

I’ll let these accounts settle. I haven’t and won’t apply for anything any time soon. I just got my new car (Yay first NEW car!) so I’m quite happy with what I have. I know in time I’ll move on to better things, but for now, I’m happy.

I went cray cray last September/October, too. Now I'm doing my penance lol

Re: Disco Already Hates Me

Anonymous — Thu, 08 Nov 2018 17:05:24 GMT

2% ? Hmm. What card is it? My discover IT gives 1%. Are you 100% sure it's 2%? I heard of student discover cards, they give 2% for limited categories.

@Queen_Etherea wrote:
@Anonymous

What do you mean exactly? I get 2% back on all my purchases at the moment. Is there another card I should be using?

Re: Disco Already Hates Me

FinStar — Thu, 08 Nov 2018 17:54:38 GMT

OP, just to add and as mentioned above by @Remedios, FIs/lenders do not "love" or "hate". These are purely business decisions. So, don't take it personally.

A variety of threads seem to inject lots of unnecessary emotion when in reality it's a business decision at the end of the day.

Admittedly, your new CC activities will not go unnoticed by some lenders, but by the same token if you let things chill and try again in the future when things normalize then the chances to get a CLI will improve.

Re: Disco Already Hates Me

FinStar — Thu, 08 Nov 2018 18:03:09 GMT

@Anonymous wrote:
2% ? Hmm. What card is it? My discover IT gives 1%. Are you 100% sure it's 2%? I heard of student discover cards, they give 2% for limited categories.

@Queen_Etherea wrote:
@Anonymous

What do you mean exactly? I get 2% back on all my purchases at the moment. Is there another card I should be using?

Yes I'm sure the OP is aware. The Discover it Chrome has that reward structure for gas and restaurants (up to $1K per Q) + Cashback Match for the first year. It's on their website.

Re: Disco Already Hates Me

Queen_Etherea — Thu, 08 Nov 2018 18:48:18 GMT

@Andru123

I say 2% because I get 1%, but Discover will match my cash back for the year, so it’s essentially 2%.