Discover unOfficial Data Points

[joltdude]

I really wonder... has anyone gone back to NOT hulksmashing and just waiting slightly 6 statements (vs just 6 mos) between pushes for CLI?

I know some folks are truly landlocked on their discovers... Remember that discover, like Cap One, uses ABS......But i think they used to be a bit more flexible.. but it might explain some of the bipolar behavior... Approvals seem to have gotten a bit easier, but CLIs seem to be a bit harder than they used to be.... plus the current state of the economy/cc market....

[jlitnns]

I've been smashing like crazy until I got my $6k 2 weeks ago and it was at my 91 mark again. So I've decided I will smash once per month and hopefully in 91 I'll get some more, if not I can wait 6 months. There's really no need to have more but it gets addicting and I use my Disco. I've been happy.

[Anonymous]

Just hit the button & got a 2 day review. Better than straight denial I suppose.

Card just hit 1 year, SL was $800, they gave me $300 cli a couple months ago after 2 day review. My TU is 753....but I wonder if they use EX for a SP AR? If so, maybe they’ll give me a little LUV since it’s now clean. Guess I shall wait & see.

Interesting as my statement hasn’t cut yet, have about 5 more days.

[joltdude]

Been awhile since this has been mentioned/asked but ill give a bit of data..

Usually 2 day reviews means it goes to a UW to be signed off on... vs the computer completely deciding on it.... 

Back in the days of the Disco Train,I was very accustomed to getting 2 day messages...

Also sometimes it takes longer than 2 days.... 

-J

[Anonymous]

Yeah, 2 day for me has often been 4-5 days.  I can't say I've received a 2 day message in probably a year though now.  I always get an instant denial or approval it seems.

[AverageJoesCredit]

The only time I ever received 2 day message, I ended up getting denied because they couldnt access Eq. Go figure

[Sanjo812]

Hopefully this DP is helpful for someone:

App'd for the Disco IT and was declined towards the end of Sept 2017, then went ahead to app for the Disco Secured card since I already took the HP. The account was opened around Oct 8th and the statements cut around the 19th. I only secured $300. My scorecard updates usually happen around the 13th of the month. My May (7th) statement posted online Monday (I'm guessing since the 19th fell on a Saturday). Just checked my account online and my CL is up to $1,750, so I'm guessing my check for my deposit will be on its way soon.

[credit_endurance]

FINALLY was able to transfer my IT credit line into my miles card after being eligible for a cli on the miles. Kept checking on my IT for an increase that never happened. This makes my second straight month of $500 increase on the miles card so looks like I’m on the 30 train with disco at least for the moment but only time will tell there. Just glad to finally close my IT which the gravy had run out on.😉

[AverageJoesCredit]

Nice going Bruised

[credit_endurance]

---

@AverageJoesCredit wrote:
Nice going Bruised

---

Thanks AJC!