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Discover CLI Form

CivalV
Established Contributor

Re: Discover CLI Form

That makes sense. I am wondering how much spend they want to see on a $2000 CL. I was close to max with my secured CL of $300 so now I wonder lol
Sept 18: EQ: 578 TU: 583 EX: 576
Sept 19: EQ8: 640 TU8: 645 EX8:640 April 20': EQ8: ??? TU8: 680 EX8: 673
Goal by Sept 20’ EQ: 700 TU: 700 EX:700

AA:


Goal Completed: Auto Lease 2020 Mazda CX-5 No Income Verification, Walked Off The Lot. Downside Scores dropped 40 points and still recovering March 2021
Goal: Chase Sapphire Preferred
Goals Achieved Nov 19’: First Chase CC, Marriott Bonvoy w/ lowest APR rate of 17% April 20': First Citi CC W/ 15% APR rate Total CL:$21,400
Message 11 of 12
joltdude
Community Leader
Senior Contributor

Re: Discover CLI Form

This is one area of Discover which is unpredictable... amongst others.. Some accounts spend works, some little spend, its a bit random.... there is some evidence that discover likes to be your daily driver, and prefers revolvers over transactors (PIFers) ... What I did was use it for some larger purchases at the 0% offer.. and paid them off generously, but not quickly... I.E much more than the minimum but still paying it down at a reasonable rate ... i was paid off months before the 0 offer was up at the time.... Might be eligible for an offer depending on when you got the secured card... but id guess after that third statement..... might be eligible for a new 0% on new purchases offer, a perm apr reduction or a temp apr reduction... if you ask... You want to know if there are any offers on your account.. A few people have gotten bit by Discover confusing it with a hardship reduction.... though it was benificial to one of the folks even after they realized the mistake...
Message 12 of 12
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