topic Re: Discover cli question in Credit Cards

Discover cli question

Anonymous — Thu, 21 Apr 2016 00:21:21 GMT

Today i received the card and the information says my EQ is 622 , when they check for cli use TU right ? if my score is 672 maybe i have options for a cli or wait 31 days ?

Re: Discover cli question

Anonymous — Thu, 21 Apr 2016 00:25:22 GMT

Discover requires you to wait 3 months before requesting a CLI on a new account. I was approved for my card in Feb 2016... I requested a CLI once my second statement cut and I was denied because my account is too new. I called customer service and was told I need to wait 90 days from when the account was opened to apply for a CLI.

Hope this helps!!

Re: Discover cli question

Anonymous — Thu, 21 Apr 2016 00:27:34 GMT

Good to know that , thanks for the help

Re: Discover cli question

Ghoshida — Thu, 21 Apr 2016 02:29:04 GMT

@Anonymous wrote:
Today i received the card and the information says my EQ is 622 , when they check for cli use TU right ? if my score is 672 maybe i have options for a cli or wait 31 days ?

Scores in the 660-680 range also often need a HP for the first CLI. Tread carefully. Speaking from experience and anecdotal evidence from the board.

Re: Discover cli question

grillandwinemaster — Thu, 21 Apr 2016 03:14:30 GMT

Good to know Ghoshida. I just received my 1st Discover statement. My goal is to have my uti down to under 9% after my third statement, this raising my score, before asking for a CLI. Looking forward to this. Thanks for the info.

Re: Discover cli question

RonM21 — Thu, 21 Apr 2016 09:51:47 GMT

I believe once you get past the 6 month mark, the online CLI requests become soft pulls. Then, you can request more often.

Re: Discover cli question

takeshi74 — Thu, 21 Apr 2016 13:47:50 GMT

@Anonymous wrote:
if my score is 672 maybe i have options for a cli or wait 31 days ?

It's never just about score but as stated above you generally need to wait 3 months.

If you want CLI's then identify the issues on your reports and work on addressing them.