topic Re: Testing Discover.....what do you think? in Credit Cards

Testing Discover.....what do you think?

Anonymous — Thu, 22 May 2014 19:22:07 GMT

I've had a Discover card for almost two years now. I've only had one cli and it cost me a hp. They just will not give me one with a sp. I use the card every month. I run about 400.00 monthly thru it and pif before the statement date. I have never ran a balance with them and I think that may be the problem. Right now I owe about 800.00 to them and I was going to pif now but want to try and let that balance hit on the 25th and then pif. Should I try this for a few months to see if it makes a difference? My overall utilization is 12%. Is it risky to let more post?

Re: Testing Discover.....what do you think?

changingmantra2 — Thu, 22 May 2014 19:27:15 GMT

For my first couple of CLI - I HAD to get them by way of HPs - although interestingly - I only saw one appear on my CR - Nevertheless..... there might not be a way around this for now. There have been a few peole lately saying they have gotten them... so .... I believe in my case - not only did carrying balances helpe with those approvals - but I got those increases by sayng that I wante to make BTs.

Re: Testing Discover.....what do you think?

Creditaddict — Thu, 22 May 2014 19:31:29 GMT

yeah I think you just need to let the hp be done and speak directly wtih underwriter if computer doesn't respond well even with hp and ask for a LOT since you are taking the hp.

my partner and I finally doubled from $4500-$9k after a year and letting them hp and system initially declined all together but after be transferred to underwriting they talked to us and reviewed credit and approved.

Re: Testing Discover.....what do you think?

Anonymous — Thu, 22 May 2014 19:50:15 GMT

I don't really "need" a cli but it just bugs me that they are the only place that won't do one with a sp....lol I know y'all will understand......I have nothing to app for and I'm getting antsy for some cc instant gratification

If I were to ask for one with a hp, what would be a good amount to ask for? Double? I would like for the card to at least sit at 5k.

Re: Testing Discover.....what do you think?

PlasticOrPlastic — Thu, 22 May 2014 19:52:38 GMT

Auto CLI's are great, but it seems like if you bite the bullet and take the HP you get a much larger CLI, so far in my experience at least. In 3 months I've taken 2 HP's with Discover and went up $2200 (I've had the card 4 months). Barclay was the same, they gave me a 2X auto CLI (very nice) but when I called and took an HP I got another $2700. It wont hurt to let a balance report with Discover, they seem to like that (its going to be my test now as well). I've allowed them 2 HP's and a little bit of interest, gonna see if that results in anything in 3-6 months.

Edit: If your going to ask and take the HP shoot high! This has been my mistake twice cause I always chicken out when talking to the analyst, they will counter if your offer is to much.

Re: Testing Discover.....what do you think?

MrCredit — Thu, 22 May 2014 21:11:36 GMT

I have the same issue with Discover. I am stuck at $4k. I have been with them a little more than a year and have always paid in full except for once and never went more than 75% of my CL at a time. Cannot get CLI from them either. I hate the way they operate but the reality is they are very conservative.

Re: Testing Discover.....what do you think?

PlasticOrPlastic — Thu, 22 May 2014 21:23:59 GMT

@MrCredit wrote:
I have the same issue with Discover. I am stuck at $4k. I have been with them a little more than a year and have always paid in full except for once and never went more than 75% of my CL at a time. Cannot get CLI from them either. I hate the way they operate but the reality is they are very conservative.

Have you offered to take a HP?

Re: Testing Discover.....what do you think?

MrCredit — Thu, 22 May 2014 21:56:16 GMT

No I have too many inquiries right now and do not need the increase really just would like it for util.

Re: Testing Discover.....what do you think?

parakleet — Fri, 23 May 2014 00:48:35 GMT

@Anonymous wrote:
I don't really "need" a cli but it just bugs me that they are the only place that won't do one with a sp....lol I know y'all will understand......I have nothing to app for and I'm getting antsy for some cc instant gratification

If I were to ask for one with a hp, what would be a good amount to ask for? Double? I would like for the card to at least sit at 5k.

If you're not looking to app for new credit, why are you playing the utilization game with discover by PIF before the statement cuts?

Re: Testing Discover.....what do you think?

ways2go — Fri, 23 May 2014 02:53:56 GMT

i tried asking for a cli and it said it would be a hp. i asked for a 1300 and then again a 1000, both said a hp. i just recently received a auto cli of 300. it seems like i have been getting a 300 auto cli every 3 months. i've had it a year and gone from 2500 to 3700.

Re: Testing Discover.....what do you think?

lg8302ch — Fri, 23 May 2014 07:21:46 GMT

@Anonymous wrote:
I don't really "need" a cli but it just bugs me that they are the only place that won't do one with a sp....lol I know y'all will understand......I have nothing to app for and I'm getting antsy for some cc instant gratification

If I were to ask for one with a hp, what would be a good amount to ask for? Double? I would like for the card to at least sit at 5k.

I would simply start reporting a balance on this card, pif after statement cut and repeat. Then try for SP CLI every 3 months... it has finally worked for me but it took 15 months to get Discover to approve my SP CLI from 2,5K to 5K .. but if you are not in "need" or rush then I would patiently keep trying. For me the 5K is fine on this card but I will start playing with the luv button from November 14 again and see how far I will get.. lol

Re: Testing Discover.....what do you think?

lg8302ch — Fri, 23 May 2014 07:25:00 GMT

@parakleet wrote:
@Anonymous wrote:
I don't really "need" a cli but it just bugs me that they are the only place that won't do one with a sp....lol I know y'all will understand......I have nothing to app for and I'm getting antsy for some cc instant gratification

If I were to ask for one with a hp, what would be a good amount to ask for? Double? I would like for the card to at least sit at 5k.
If you're not looking to app for new credit, why are you playing the utilization game with discover by PIF before the statement cuts?

+1 .. I think this is contra productive for CLIs with Discover - (of course I have no proof of this statement)

Re: Testing Discover.....what do you think?

maiden_girl — Fri, 23 May 2014 07:25:45 GMT

I had to take HPs with Discover every time I wanted a CLI. If you want or need it, you'll just have to take the HP. I had my Discover card at 1500 CL. Requested a CLI. HPd and only moved to 2000. Took a HP a few months ago and moved to 5000 as my Discover card was the only card I had behind the ranks with my other cards. Discover likes to see usage and balances.

Re: Testing Discover.....what do you think?

takeshi74 — Fri, 23 May 2014 13:16:03 GMT

@Anonymous wrote:
Should I try this for a few months to see if it makes a difference?

You can certainly try but CLI's are never based solely on usage. If you really want the CLI then you may want to reconsider insisting on SP. I had to HP for my recent CLI.

@Anonymous wrote:
If I were to ask for one with a hp, what would be a good amount to ask for?

Impossible for us to say. It depends on your credit, income and their critieria -- same as any creditor. I requested a bit more than double and they countered with $500 less than what I requested (still more than double though).

@Anonymous wrote:
I don't really "need" a cli but it just bugs me that they are the only place that won't do one with a sp....lol I know y'all will understand.....

I don't understand. If I want a CLI bad enough an HP isn't a big deal IMO. SP's are certainly nice but it all comes down to which is the bigger priority for you? If avoiding the HP is a bigger concern then you'll just have to keep waiting and hope that they will offer a CLI based on SP for you.

Re: Testing Discover.....what do you think?

Anonymous — Fri, 23 May 2014 18:58:59 GMT

@takeshi74 Sorry I can't paste, I'm on my cell. I don't want anymore hp's so right now, that's my priority. I opened alot of credit cards two years ago and I'm waiting for all of those hp's to fall off later this year. Its really just a challenge for me at this point because I have plenty of credit and I'm just hanging in the garden for now. I'm just trying to see if changing things up will trigger a sp cli. I'm just bored in the garden....lol

Re: Testing Discover.....what do you think?

Anonymous — Fri, 23 May 2014 21:00:01 GMT

@PlasticOrPlastic wrote:
I've allowed them 2 HP's and a little bit of interest, gonna see if that results in anything in 3-6 months.

Given I believe (in general) CLIs have no actual value, my rule would be: NEVER pay interest just to get one.

Re: Testing Discover.....what do you think?

Ghoshida — Fri, 23 May 2014 23:24:27 GMT

Let me just chime in and give one contrasting example with Discover and balances.

This is my 13th month running with Discover (had the first statement in May 2013).

I had kept balances running all along till May 2014 statement, but that last one reported a zero balance. The only CLI I had got before that was a HP (750 --> 2000) and could not get any SP CLI after that. Within a week of the zero-bal reporting, I got a CLI from 2k --> 5.7k. My spending from the date of opening has been around $4.5k.

My score according to last Discover statement was 677. AMEX reported another zero-bal (so did Discover itself) so the score may have gone up a few points, I'd guess in the 680s.

Maybe Discover does not always give CLIs for balance carrying. Who knows!

Re: Testing Discover.....what do you think?

AkashV — Fri, 23 May 2014 23:31:07 GMT

I find it a little strange with discover. My wife had a 4000k limit when she open the account and we would always PIF each month for about 8 months and we say no increase in the limit. Later on arount the 11 month we carry a balance for about 1000k and suddenly we got a $2000 increase. Based on what I have read on here its hard to predict how and when they will give an CLI. Just my 2 cent.

Re: Testing Discover.....what do you think?

parakleet — Sat, 24 May 2014 01:20:17 GMT

I've gotten two CLIs from discover since I opened the card in April 2014 ($5500 ➡️ $6500 ➡️ $8500). Both CLIs were with SPs.

Re: Testing Discover.....what do you think?

iv — Tue, 27 May 2014 00:57:34 GMT

Last Discover (non-auto) CLI was this Jan, from 16,900 to 18,900 - no HP.

I've never seen a HP from Discover for a CLI request, but they've always been the slowest with auto-CLIs, and the lowest CLs in general.