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OK So here's a another question for those out there in Fico land......
Have had a Discover It card, (started as secured, graduated at 6 months) a bit short of two years, had a few CLI's since
and the last CLI a few days short of 60 days ago....
If I apply for 2nd card (Miles).... does it matter that the last CLI was less than 2 months ago? (or not at all)
Also, is it better to call in and request the 2nd card via Customer Service (soft pull, if I do?) or apply on line (is that a hard pul) ?
Any thoughts, suggestions or information would be greatly appreciated.
@FishingGuy wrote:OK So here's a another question for those out there in Fico land......
Have had a Discover It card, (started as secured, graduated at 6 months) a bit short of two years, had a few CLI's since
and the last CLI a few days short of 60 days ago....
If I apply for 2nd card (Miles).... does it matter that the last CLI was less than 2 months ago? (or not at all)
Also, is it better to call in and request the 2nd card via Customer Service (soft pull, if I do?) or apply on line (is that a hard pul) ?
Any thoughts, suggestions or information would be greatly appreciated.
@FishingGuy I have had 2 second cards, and IME, a CLI doesn't bother the new card. I got a CLI on the original card, and then apped the second card and got almost the same SL as the CL of the first card i'd had for a year. I'm sure it's EX profile driven too, so YMMV, but if you show a pre-approval on the site, you should be good to go with it.
Thanks Jago,
Silly question, do I look for a pre-approval on the Discover site prior to logging in? Or once I log into my on-line account ( i couldn't see where to app for it there ) Exp is abut 770 now, which is substantially higher than when the original card was approved....is that a better way to go than calling in & speaking with a rep? (they are usually very helpful) ...and I can charm them a bit :-) lol