topic Re: Discover IT Card- I Need Advice in Credit Card Applications

Discover IT Card- I Need Advice

whiteknight1971 — Thu, 10 Dec 2015 21:59:00 GMT

Hi, I need some advice from current Discover Card holders. I applied for and was approved for the Discover IT card in September. It was for a small SL of $800, but I was happy to get in the door with Discover since I have a BK7 discharged in Jan 2014. Tommorrow will be 91 days since I opened the card. Should I try for a CLI online then? Is it a hard inquiry or soft pull? If I was offered lets say a small CLI of $ 500, should I take it, or wait longer for a higher CLI ? If I wait, should I wait 2 weeks, a month, or longer? Any advice would be greatly appreciated !

Re: Discover IT Card- I Need Advice

Anonymous — Thu, 10 Dec 2015 22:30:50 GMT

I got my card in June. In Sept. I got a $500 increase, Oct. a $1500 increase, and Nov. a $2000 increase. So, in 5 months I got $4000 in increases ( all sp).

Re: Discover IT Cardholders- I Need Advice

Anonymous — Thu, 10 Dec 2015 22:38:32 GMT

It's a sp. If they want to do a hard pull, they will ask you first.

Re: Discover IT Card- I Need Advice

Anonymous — Thu, 10 Dec 2015 22:39:54 GMT

Redbeetle,

Did you call or click the cli button? Thanks!

Re: Discover IT Card- I Need Advice

gdale6 — Thu, 10 Dec 2015 22:43:53 GMT

Hi there OP,

I have removed your cross posting on this from the approvals forum. Please refrain from doing this in the future it can lead to confusion by the members and it isnt inline with our TOS. I thank you for your understanding on this and have a great evening

Re: Discover IT Card- I Need Advice

Anonymous — Thu, 10 Dec 2015 22:46:27 GMT

@Anonymous wrote:
Redbeetle,

Did you call or click the cli button? Thanks!

Cli button. First one was instant approval, the other two were 2 day reviews.

Re: Discover IT Card- I Need Advice

whiteknight1971 — Thu, 10 Dec 2015 23:11:37 GMT

Thanks Redbeetle, that's good to know,. I would be very happy to get those CLI you got in a short time frame