Discover unOfficial Data Points

[Anonymous]

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@Anonymous

I didn't get an offer because my card isn't a year old or more yet, but at least I got a current Equifax FICO 8 score out of it, so there's that.

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How did you get an EQ FICO 8 score?  Are you talking about Discover's pre-qual tool?  I've done that and have never been provided with a score at the time.

[Anonymous]

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@Anonymouswrote:

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@Anonymous

I didn't get an offer because my card isn't a year old or more yet, but at least I got a current Equifax FICO 8 score out of it, so there's that.

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How did you get an EQ FICO 8 score?  Are you talking about Discover's pre-qual tool?  I've done that and have never been provided with a score at the time.

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Yes, that's what I mean. I tried the prequal tool and got the "we have no offers for you right now" message with an explanatory letter under it, first time myself I've seen such. They soft-pulled EQ (they put "your credit score was not affected" in bold letters at the top). I was mildly surprised they pulled EQ, since they seem to rely, like a lot of other issuers, on TU first and they give TU FICO to their customers monthly.

[AverageJoesCredit]

I believe Eq is Discover's secret mistress. EQ gets around....ALOT;(

[Anonymous]

CLI Fail. My 3rd statement officiall cuts in a couple of weeks even though today was my 90th day. I'll try again then. My scores have steadily increased over the past year so that's not it. It's that I clicked it a few weeks too soon. Well, the CLI button wasn't there last week.

At this time, we cannot increase your credit line.

However, you can make another request at a future time. You will receive a letter in 3-5 business days that will detail the reasons for this decision.

[Anonymous]

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@AnonymousYes, that's what I mean. I tried the prequal tool and got the "we have no offers for you right now" message with an explanatory letter under it, first time myself I've seen such. They soft-pulled EQ (they put "your credit score was not affected" in bold letters at the top). I was mildly surprised they pulled EQ, since they seem to rely, like a lot of other issuers, on TU first and they give TU FICO to their customers monthly.

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Odd, I know exactly what you're talking about, minus the provided score (I just did this). 

Discover uses EQ the majority of the time for new applications, while it uses TU for account maintenance from that time onward.

[Anonymous]

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@Anonymouswrote:

CLI Fail. My 3rd statement officiall cuts in a couple of weeks even though today was my 90th day. I'll try again then. My scores have steadily increased over the past year so that's not it. It's that I clicked it a few weeks too soon. Well, the CLI button wasn't there last week.

At this time, we cannot increase your credit line.

However, you can make another request at a future time. You will receive a letter in 3-5 business days that will detail the reasons for this decision.

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Wait for your statement to cut. There's a possibility you might get an auto-CLI; I did, three months after I opened the card, in June (and was able to get a double-dip via the luv button the same day). I got another auto-CLI 6 months later in December, for what it's worth.

At any rate, I imagine that Disco has just pulled, or is about to pull, my monthly TU (which ought to reflect at least the first couple of payoffs on other accounts), the statement due date is tomorrow and the next statement will cut around the 7th-8th, so I'm going to press that button again around then and see what happens.

[Anonymous]

Auto CLIs (and first double dip opportunities) are quite common from Discover right around statement 3 or 4 cutting.  I would recommend any new card holder wait until those 2 statements pass before starting to go nuts requesting CLIs.

[lexus829]

I finally hit 3 months... 3 days ago. no auto cli.. my limit is only $750 in November.. the auto cli gave me $250 so i called and lady said if I only want SP, then she can give me another $500.... so now my limit is at $1500 - 100% not bad.. I didnt want a new HP.. my Feb is clean of HPs... im pretty happy for now.. Datapoints - 35% utilization overall... EX615, TU-663,EX-656

[Anonymous]

3 months or 3 statements?

I think that's where this thread gets confusing. I hit 90 days but still weeks away of third statement.

[Anonymous]

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@Anonymouswrote:

3 months or 3 statements?

I think that's where this thread gets confusing. I hit 90 days but still weeks away of third statement.

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depends, some get one every 30 days, some 60 and some 90.   Or in my case..  NEVER 

Discover is weird like that, just have to figure out which CLI train your on and ride it.