topic CLI at Activation...do not understand, pls explain in Credit Cards

CLI at Activation...do not understand, pls explain

Anonymous — Wed, 25 Jul 2007 03:12:43 GMT

I keep reading about requesting CLI at activation. Am unfamiliar with this process. Is it done online?

All CC I've had were activated by calling to activate from my phone#. Don't remember an option to request CLI when calling.

Thank you

Re: CLI at Activation...do not understand, pls explain

Bruiser — Wed, 25 Jul 2007 03:16:28 GMT

it can be done by talking to a rep over the phone

i've had friends call the 800 # and speak to someone before they call the activation #, and i've had some activate then talk to someone live

i personally have not tried it yet

normally they won't do it, unless you say you're going to cancel the card and not use it

Re: CLI at Activation...do not understand, pls explain

Anonymous — Wed, 25 Jul 2007 03:28:35 GMT

Thanks Bruiser. if approved I'll probably take what's offered rather than push my luck.

Bruiser wrote:
it can be done by talking to a rep over the phone

i've had friends call the 800 # and speak to someone before they call the activation #, and i've had some activate then talk to someone live
i personally have not tried it yet

normally they won't do it, unless you say you're going to cancel the card and not use it

Re: CLI at Activation...do not understand, pls explain

Anonymous — Wed, 25 Jul 2007 18:58:02 GMT

Anderson, I applied for walmart card. I received instant notice of accept. walmart-discover for $1000.I applied 2 times. Once for me & once for DH. We both got same notice.

Within 3 days it showed on both of our CR. BUT CL was higher.

DH CL $4000

mine CL $2500

We had not received cards yet & had not called for higher CL. I think some are raised after they review what they pull. This could be a reason why some people get ok at activation.

Re: CLI at Activation...do not understand, pls explain

fused — Wed, 25 Jul 2007 19:26:08 GMT

HappyDays wrote:
Anderson, I applied for walmart card. I received instant notice of accept. walmart-discover for $1000.I applied 2 times. Once for me & once for DH. We both got same notice.

Within 3 days it showed on both of our CR. BUT CL was higher.

DH CL $4000
mine CL $2500

We had not received cards yet & had not called for higher CL. I think some are raised after they review what they pull. This could be a reason why some people get ok at activation.

Just a quick question! What were your FICO score? DH's? Do you know which CRA they pulled? I ask this because it's rare for someone to post a Discover card approval at this forum.

Re: CLI at Activation...do not understand, pls explain

Anonymous — Wed, 25 Jul 2007 20:20:19 GMT

Wow, your cups runneth over! Thanks for the info.

HappyDays wrote:
Anderson, I applied for walmart card. I received instant notice of accept. walmart-discover for $1000.I applied 2 times. Once for me & once for DH. We both got same notice.

Within 3 days it showed on both of our CR. BUT CL was higher.

DH CL $4000
mine CL $2500

We had not received cards yet & had not called for higher CL. I think some are raised after they review what they pull. This could be a reason why some people get ok at activation.

Re: CLI at Activation...do not understand, pls explain

Anonymous — Wed, 25 Jul 2007 20:57:15 GMT

At the time I applied DH was EQ 623 it went down to 612 for a few days.....went back up to 651 with this new card & another from target. Target card CL only $200. but thats ok I only wanted it to up scores. Keep in mind other things come into play.

1) He already has a Discover card maxed out $10,000 total util on all cards 85%

2) no derog!!!!

Mine EQ was 653 and only came up to 658

I have 2 baddies on my CR. I am working on them now.

Message Edited by HappyDays on 07-25-2007 01:57 PM

Re: CLI at Activation...do not understand, pls explain

fused — Wed, 25 Jul 2007 21:33:56 GMT

HappyDays wrote:
At the time I applied DH was EQ 623 it went down to 612 for a few days.....went back up to 651 with this new card & another from target. Target card CL only $200. but thats ok I only wanted it to up scores. Keep in mind other things come into play.
1) He already has a Discover card maxed out $10,000 total util on all cards 85%
2) no derog!!!!

Mine EQ was 653 and only came up to 658

I have 2 baddies on my CR. I am working on them now.

Message Edited by HappyDays on 07-25-2007 01:57 PM

Amazing! I know several people, myself included, who applied for Discover cards with scores ranging from 712-785 and all of use were denied.

Re: CLI at Activation...do not understand, pls explain

Anonymous — Wed, 25 Jul 2007 22:14:46 GMT

Fused this is how it was done. Keep in mind that DH's mom had no idea about CRA or scores at the time. She did know some things.

Approx.9 years ago at age 16 mom put him on 3 of her CC he did have a p/t job.

age 18 f/t job low salery.

received Cap 1 card $500 these are all in his name only still open bal $0

Providian $1500 now closed & pif still on CR

MOM applied for Discover in his name & got $4000 CL she made sure that he made all payments ontime. He must have had good score at the time,but we have no idea what it was.

Between then & now he opened an account with Bank One (now Chase) He transfered full bal from Discover to Bank One.....discover uped his CL $10,000.

Discover gave him 0% so he transfered from Bank One to Discover.

Bank One up his CL to 11,600

He now has 8 CC and only 1 derg from 2002 from all cards!

He had high UTI that is why score went down. It has come up to EQ 688 just by adding 2 new cards.

These new Discover cards were gotten from walmart. If you go on their site & look at CC you can try for the Discover card....I did not...I applied for just plain walmart. was surprised when I saw discover.