topic Re: 2nd Discover App? in Credit Card Applications

2nd Discover App?

Anonymous — Wed, 14 Aug 2019 06:36:58 GMT

So after a year with my Discover with SL $2000, got denied CLI a few weeks after card has been opened for a year. Logged back in a few weeks later, and saw they "automatically" gave me a CLI to $5700 around April 2019. This was my first CC and still the highest CC limit I have.

Past 3 months I have apped for CSP (approved for $5200) and 4 retail cards. I have been gardening since my last approval 3 weeks ago.

But I wanted to try to increase more limit and got denied CLI for Discover. Something about having little experience with limit???

Been reading and wondering if I have a chance for a second Discover as I have read 2nd card gets higher limits.

Currently have:

TU: 6 INQ (3 removed next year) // 680 score

EQ: 5 INQ (4 removed next year) // 673 score

Also wanted to add, score is not updated. waiting for two cards to be updated to $0 balance and 1 card removed (from being AU); showing ~28% utilization but again, not updated.

Anyone tell me if it is worth the pull? Check pre-qual and nothing popped up, probably all the recent accounts and the balances that have not been updated.

Re: 2nd Discover App?

M_Smart007 — Wed, 14 Aug 2019 07:32:04 GMT

Just keep in mind, Sometimes you dont always get a higher SL.

My 1st card is at $23K+ My Second card Disco it was approved some months back @ $8200 SL.

Every profile is different, thus your 2nd card can be in kind of a wide range depending on what Disco is comfortable with

as far as Max. internal limits with them.

Re: 2nd Discover App?

FireMedic1 — Wed, 14 Aug 2019 09:01:36 GMT

I'd wait it out until it pops up on the pre-qual. I waited it out and I think it was 14 months until it popped for me. Disco's pre-qual is pretty solid. No one has ever really figured out Disco's behavior. My first card was 1200 second 5000 I believe. Second card got higher CLI's than first. I do know fisrt card was 20 something % APR second one has the 13.4% APR. Could go either way once your approved. Once it does hit. You can change the first iT to a Chrome as I did.

Re: 2nd Discover App?

AverageJoesCredit — Wed, 14 Aug 2019 12:01:22 GMT

Though prequals arent needed, i would wait til you see one on Disco. This will give you better chance and time for your new accounts to age.

Re: 2nd Discover App?

FireMedic1 — Wed, 14 Aug 2019 15:04:58 GMT

@AverageJoesCredit wrote:
Though prequals arent needed, i would wait til you see one on Disco. This will give you better chance and time for your new accounts to age.

Re: 2nd Discover App?

Anonymous — Mon, 19 Aug 2019 06:13:12 GMT

It will grow. Sometimes slow. Back then I don’t get CLI for 7 months. I tried every single month. Just be patient. I dont think you need app for 2nd Disco card.