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Discover unOfficial Data Points

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austinguy907
Valued Contributor

Re: Discover unOfficial Data Points

Never seen/heard that one before.  I've seen random come back to using us 15K CLI's that just appeared on accounts for a couple of people.  I guess they're trying to get your attention and spend back.  Did you take a break from spending or something to prompt it?

Message 181 of 1,821
Kenny
Moderator Emeritus

Re: Discover unOfficial Data Points


@austinguy907 wrote:

Never seen/heard that one before.  I've seen random come back to using us 15K CLI's that just appeared on accounts for a couple of people.  I guess they're trying to get your attention and spend back.  Did you take a break from spending or something to prompt it?


I've been using it heavily and PIF.. An interesting note is that it wasn't a successful CLI when I clicked the link.. LOL They were just messing with me! Smiley Very Happy

Message 182 of 1,821
Anonymous
Not applicable

Re: Discover unOfficial Data Points

Another Discover oddity, sharing for data purposes. I put in a Discover application for hubby a week ago (approved)  and they pulled EX.

 

He has a very long positive credit history and a high FICO, but even with that I've never seen Discover pull EX before for a HP on a brand new card (not referencing an AR, as we know they can (and do) pull different bureaus for AR).

 

I've given up trying to figure out Discover, ha ha! Smiley Happy

Message 183 of 1,821
Anonymous
Not applicable

Re: Discover unOfficial Data Points

@Kenny..... are you serious?!?!? How sh!tty of them to actually tell you to apply and then deny it. Lol. I love Discover but that's not cool. At least it isn't a hard pull. It wasn't even the 2 day message?

@hum..... they pulled EX for me back when I applied for my secured card. Since I've graduated I get AR's on TU tho. And on their loan page, I checked to see if I was preapproved and they pulled EQ. Lol. They like all 3 I guess.
Message 184 of 1,821
Kenny
Moderator Emeritus

Re: Discover unOfficial Data Points


@Anonymous wrote:
@Kenny..... are you serious?!?!? How poopy of them to actually tell you to apply and then deny it. Lol. I love Discover but that's not cool. At least it isn't a hard pull. It wasn't even the 2 day message?

@hum..... they pulled EX for me back when I applied for my secured card. Since I've graduated I get AR's on TU tho. And on their loan page, I checked to see if I was preapproved and they pulled EQ. Lol. They like all 3 I guess.

It's ok.. I'm sitting at 47.75k CL so I'm thinking that's why it was denied just enough CL for my income. (Not a baller. lol)

Message 185 of 1,821
Anonymous
Not applicable

Re: Discover unOfficial Data Points

Holy crap! Lol. I'm at $2200 lmao.
Message 186 of 1,821
Anonymous
Not applicable

Re: Discover unOfficial Data Points


@Anonymous wrote:
Holy crap! Lol. I'm at $2200 lmao.

I don't even think I can touch those numbers on 1 card alone w/ my income.. LOLZ

Message 187 of 1,821
Anonymous
Not applicable

Re: Discover unOfficial Data Points

You'd be surprised.  I find "if your income supports the limit" to be one of the most hilarious statements thrown around on this forum.  Always good for a chuckle.  I actually started a thread on that phrase at one point Smiley Happy

Message 188 of 1,821
newhis
Valued Contributor

Re: Discover unOfficial Data Points

I'm over 70% limit/income with Discover. I think I read someone that was over 80%.

Message 189 of 1,821
Anonymous
Not applicable

Re: Discover unOfficial Data Points


@newhis wrote:

I'm over 70% limit/income with Discover. I think I read someone that was over 80%.


I believe it, especially if the account is at least a few years old.

Message 190 of 1,821
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