Discover - Recon SL?

[Anonymous]

Approved for Discover IT yesterday. First discover card I have applied for.

SL is just $1,200. Has anyone had success with recon of Discover SL?

Also, as others have reported, I use the Discover credit scorecard and am hopeful that this was only a soft pull for the instant approval. Would calling recon and requesting a larger SL almost guarantee a HP?

Lastly, this will be my 3rd credit card and my FICO scores currently are 637 Ex and Eq and 651 TU. Also, util when I applied was 22%. I do make a good salary, but with my current scores maybe I should just feel lucky to have been approved in the first place?

Regardless, I am happy with the approval, just wondering if anyone has had experience with this. Thanks in advance.

[Anonymous]

Congrats on the approval.  Discover CLs do  grow fast.  What are the current limits on your cards?  That has an impact on why you were started with $1,200.

[Anonymous]

Is the 22% utilization the aggregate for your two previous cards?

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@Anonymous wrote:
Approved for Discover IT yesterday. First discover card I have applied for.

SL is just $1,200. Has anyone had success with recon of Discover SL?

Also, as others have reported, I use the Discover credit scorecard and am hopeful that this was only a soft pull for the instant approval. Would calling recon and requesting a larger SL almost guarantee a HP?

Lastly, this will be my 3rd credit card and my FICO scores currently are 637 Ex and Eq and 651 TU. Also, util when I applied was 22%. I do make a good salary, but with my current scores maybe I should just feel lucky to have been approved in the first place?

Regardless, I am happy with the approval, just wondering if anyone has had experience with this. Thanks in advance.

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[Anonymous]

22% is the aggregate of both cards I currently have.

I have a Cap1 QS, 0% util with a $1,000 CL and a Cap1 Venture with 28% util and a $3,500 CL. 

[joltdude]

Discover doesn’t really do recons.. that said it looks to me like your close to even possibly an auto cli but if it happens it will be a day or two after the third statement . If not giving disco 91 days before asking for a SP cli isn’t a bad timetable

[Anonymous]

Thank you, good to know that Discover typically does not do recons.

[dsotm76]

When you said "Also, as others have reported, I use the Discover credit scorecard and am hopeful that this was only a soft pull for the instant approval," are you talking about the FICO scorecard that they give each month or something else? I'd love to app for a Discover with a soft pull.

[joltdude]

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@dsotm76 wrote:
When you said "Also, as others have reported, I use the Discover credit scorecard and am hopeful that this was only a soft pull for the instant approval," are you talking about the FICO scorecard that they give each month or something else? I'd love to app for a Discover with a soft pull.

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Discover offers a once a month free FICO score (different than the one they use for members BTW)... on their credit scorecard website...(so yes they are talking about that site) 

Some folks have gotten a card with NO HP.... and this is very much a YMMV thing... if they are subscribed to Credit Scorecard and go through a preapproval.... 

[Anonymous]

Greetings!

I am a Scorecard member and did a preapproval though them on Jan 25th this year. It preapproved me for 2 cards. I picked one and hit the apply button on that preapproval for that card and was insantly approved for $8K with no hard pull. 

[dsotm76]

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@Anonymous wrote:

Greetings!

I am a Scorecard member and did a preapproval though them on Jan 25th this year. It preapproved me for 2 cards. I picked one and hit the apply button on that preapproval for that card and was insantly approved for $8K with no hard pull. 

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I have the scorecard myself.  Did you log into it first and then go to the see if you're prequalified link or just go to that one to begin with?  I usually get preapproved for the main one and the miles one when I check.  Would love to not have the HP for it.