topic Re: Pulled the trigger on CLI with Discover in Credit Cards

Pulled the trigger on CLI with Discover

Anonymous — Fri, 08 Apr 2011 05:38:56 GMT

Hi everyone, how are you doing?

Congratulations! to who just got approved for Discover card.

Well, I took a chance with my Discover More CLI last night. The rep told me that she can request up to $5000 of increase at this moment and she did request from 2.5k to 7.5k for me. Too bad, no instant approval for me, she said it has to be hard pull for further review and asked some questions. Which is my annual income, rent or own, monthly rent $, how long I lived at current address, reason of request. And as usual, she told me it takes 24~48 hours to process. If I'm lucky enough, I may get some CLI. If not, I just have one inq. Wish me luck ~

* Have Discover More since 03/2008. Start with 2k, then ACLI of $500 once. Stuck with 2.5k for long time now. I just want to reduce the util on Discover because I am charging $500/mo now to take the Bonus Cashback offer. (Between March and May, charge $500/mo then earns $75 Bonus. Additional offer .... B.D Double pts of 2% on up to $500 charge in any categories.)

Re: Pulled the trigger on CLI with Discover

heyyou12 — Fri, 08 Apr 2011 06:00:13 GMT

GOOD LUCK

Re: Pulled the trigger on CLI with Discover

Anonymous — Fri, 08 Apr 2011 12:22:15 GMT

Just so you know, the $500 cap is for the total reward period, I believe, not $500/mo.

Re: Pulled the trigger on CLI with Discover

Anonymous — Sun, 26 Jun 2011 08:44:54 GMT

Up date info ...

Yes, Yes, Yes ... Let's dance ~ got me a nice B.D present myself

I did not see any e-mail from Discover, so I just logged in to my Discover online acct.

Then ... I saw a lovely number there ... Discover gave me 5k CLI Hooraaaay

Ending in xxxx

Current Balance

$656.20

Last Statement Balance

$313.39

Minimum Payment Due 04/13

$ 40.00

Transfer a Balance

Cash PIN

Credit Line Available

$ 6,833.00

Credit Line $ 7,500

Re: Pulled the trigger on CLI with Discover

Anonymous — Sat, 09 Apr 2011 11:33:39 GMT

Happy B.D., bunnyrabbit! Congratulations!!!

Re: Pulled the trigger on CLI with Discover

Anonymous — Sat, 09 Apr 2011 12:09:03 GMT

Happy Birthday!!!

...and congrats on the CLI!

Re: Pulled the trigger on CLI with Discover

Anonymous — Sat, 09 Apr 2011 13:04:22 GMT

Was it a hard pull? I redeemed cash back bonus for a statement credit and unlike the past few times, I did not receive an auto CLI. I'd love to get this card over 10K which it is currently $110 away from my limit now.

Re: Pulled the trigger on CLI with Discover

Anonymous — Sat, 09 Apr 2011 13:28:43 GMT

Happy Birthday!!! Congratulations!!!!!

Re: Pulled the trigger on CLI with Discover

Anonymous — Sat, 09 Apr 2011 15:58:41 GMT

@Anonymous wrote:
The rep told me that she can request up to $5000 of increase at this moment and she did request from 2.5k to 7.5k for me. Too bad, no instant approval for me, she said it has to be hard pull for further review and asked some questions.

Are you saying Discover is allowing CLIs with no hard pull? It sounds like she told you that you didn't qualify for an instant decision, which meant it would require a hard pull. So if you had qualified, would it have been a soft? Did she specify?

Re: Pulled the trigger on CLI with Discover

DI — Sat, 09 Apr 2011 16:08:36 GMT

In a few more months, I'll be hunting and pull the trigger with Discover too. My account would be 2 years old.

Re: Pulled the trigger on CLI with Discover

Anonymous — Sat, 09 Apr 2011 16:19:05 GMT

I'd say 5k is worth a hardpull on a discover card. grats

Re: Pulled the trigger on CLI with Discover

Anonymous — Sat, 09 Apr 2011 19:57:03 GMT

@Anonymous wrote:

Happy B.D., bunnyrabbit! Congratulations!!!
@Anonymous wrote:

Happy Birthday!!!
...and congrats on the CLI!
@Anonymous wrote:

Happy Birthday!!! Congratulations!!!!!

Thanks! Thnaks! Thanks! I'm 24 now ~ wish ~ (* - * )

Re: Pulled the trigger on CLI with Discover

Anonymous — Sat, 09 Apr 2011 20:12:29 GMT

@Anonymous wrote:
Was it a hard pull? I redeemed cash back bonus for a statement credit and unlike the past few times, I did not receive an auto CLI. I'd love to get this card over 10K which it is currently $110 away from my limit now.

Of cause it was. I wish it was a soft pull .... then it will be another B.D present for myself. My CL start with 2k and they gave me a $500 auto CLI once back in 2008. I called them in the past to see if they can give me some CLI with soft pull. But it never happened ... I guess I was not using my card enough to them to give me one.

Are you saying you have got auto CLI from Discover every time you redeemed your cashback bonus?

May be start charging more and call in ... you got to take a chance if you really want it.

Re: Pulled the trigger on CLI with Discover

Anonymous — Sat, 09 Apr 2011 20:14:50 GMT

@Anonymous wrote:
Are you saying you have got auto CLI from Discover every time you redeemed your cashback bonus?

That's exactly what I'm saying! I cashed in twice and both times I was rewarded. First from $7490 to $8990 then from $8990 to $9890. This last redemption a few days ago I got nothing. I want one now to put me over the 10K for this card.

Re: Pulled the trigger on CLI with Discover

Anonymous — Sat, 09 Apr 2011 20:17:24 GMT

@Anonymous wrote:

@Anonymous wrote:
The rep told me that she can request up to $5000 of increase at this moment and she did request from 2.5k to 7.5k for me. Too bad, no instant approval for me, she said it has to be hard pull for further review and asked some questions.
Are you saying Discover is allowing CLIs with no hard pull? It sounds like she told you that you didn't qualify for an instant decision, which meant it would require a hard pull. So if you had qualified, would it have been a soft? Did she specify?

Yes they do as long as you qualifies for it. She said it is not available for me this time, and need to pull the CR if I still want to process CLI.

Re: Pulled the trigger on CLI with Discover

Anonymous — Sat, 09 Apr 2011 20:19:09 GMT

@DI wrote:
In a few more months, I'll be hunting and pull the trigger with Discover too. My account would be 2 years old.

Go for it if you want it !! And don't forget to let us know the result ...

Re: Pulled the trigger on CLI with Discover

Anonymous — Sat, 09 Apr 2011 20:22:23 GMT

@Anonymous wrote:
I'd say 5k is worth a hardpull on a discover card. grats

Thanks! Yes I believe so too. Now, I will have one inq for next two yrs unless I app for auto loan to replace my 1998 car.

Re: Pulled the trigger on CLI with Discover

Anonymous — Sat, 09 Apr 2011 20:25:58 GMT

@Anonymous wrote:

@Anonymous wrote:
Are you saying you have got auto CLI from Discover every time you redeemed your cashback bonus?

That's exactly what I'm saying! I cashed in twice and both times I was rewarded. First from $7490 to $8990 then from $8990 to $9890. This last redemption a few days ago I got nothing. I want one now to put me over the 10K for this card.

So, how much did you redeem? I have small amount of a little over $100 is sitting there, and they called and asked me for redemption. I said not right now, I am still browsing the products to redeem for it.

Re: Pulled the trigger on CLI with Discover

Anonymous — Sat, 09 Apr 2011 20:28:08 GMT

Every time I redeemed, it was for $50.

Re: Pulled the trigger on CLI with Discover

Anonymous — Fri, 15 Apr 2011 07:45:16 GMT

Just found out who Discover pulled ... they pulled TU report. I'm in California.

I do not know the FICO TU score. But Chase Identity Protection TU score is 852. So, my guess on FICO TU score will be somewhere around 800. I am going to request a CR through Annualcreditreport.com at the end of the month, and compare the scores.