Discover unOfficial Data Points

[Anonymous]

I want to try again for a CLI at the end of the month when I hit 91+ days to take advantage of buying gift cards to max points back this month. I don't eat out enough to care about the next quarterly bonus.

Last time, statement cut at 52% and I got bumped $300.

This time I"m at 30%.

[Anonymous]

If I add an AU to my Disco.
How many days before the hit or AU shows up on my reports? Would Credit Karma create an alert for it?

[Anonymous]

Disco Scorecard 745 score. 19% utilizaion.
6/25/18: Statement balance $397/1300

94 days since last $300 increase.
2 day manual review notice.

Scheduled payment for Friday for statement balance to look good..intend on cancelling payment and making a bigger one next week. Lol.


UPDATE: CL $1,300
$500  CLI
New CL $1,800 

[Anonymous]

Awesome data points! 

Just hit the love button and got another $2500 making my limit 13.5k. Mind you, my limit was less than 500 4 years ago and $1750 not even two years ago.

ficos 770+, total util 6%

Make discover great again!

[Anonymous]

So, I ended up paying off my balance before my interest kicked in (0% APR for 15 months) and allowed my card to report the zero balance. At this point, I started gravitating my spend over to my PenFed Powercash Card. 

Well, no sooner than a few days afterward, I got an automatic increase of 2900 after half a year of denials. Might want to give that ol' tough love a shot! I'm up to 8700 from 1500 when I first opened my card. 

Figured I'd mention this: Whenever I get approvals like this, I call the number listed in this thread to double dip. For the first time, I didn't get the regular spiel, but instead someone simply reading the prompt for the online CLI request/love button page. Maybe it's a different number now or... the well's dried up, folks. 

[Anonymous]

Neve: Have you tried lowering the APR? I took the advice about asking for an APR reduction. They said not permanently but they'll give me a 0% APR for another year, was that okay? Uh, yeah!! I mostly PIF but I'll take that!

[Anonymous]

Interesting. I'm planning to pay off/BT the remaining balance on my older Discover while transferring spending to my newer Discover. Funny thing is, as I reported in Approvals the other week, I got a $300 luv-button CLI on the older card. So yeah, I'm going to let the older card sit for a couple of months once I zero-balance it and see what happens. I'm planning to try to combine it next year with the new card, assuming all the ducks are in a row (particularly an active CLI offer), or if that's a no-go, reallocate as much of the CL on the older card as possible to the newer card.

[joltdude]

Its actually pretty easy to get the 0% offer on new purchases.. but there has to be a gap of x number of months (thinking its 3 or 6.. I dont remember honestly now) before you can get a second 0% offer after the current promo runs out, And its an either or thing... Wondering if Discover will entertain an apr reduction in a few months when my 0 runs out..You might be able to get an APR reduction when your 0 runs out but you wouldnt be eligible for a 0% on new purchases for at least a few months... 

-J

[Anonymous]

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@joltdude wrote:

Its actually pretty easy to get the 0% offer on new purchases.. but there has to be a gap of x number of months (thinking its 3 or 6.. I dont remember honestly now) before you can get a second 0% offer after the current promo runs out, And its an either or thing... Wondering if Discover will entertain an apr reduction in a few months when my 0 runs out..You might be able to get an APR reduction when your 0 runs out but you wouldnt be eligible for a 0% on new purchases for at least a few months... 

-J

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Interesting. The 0% APR period on my older card ran out in June, so I guess it'd be September at earliest before I could ask for a new 0% period on that card. As I said, since it'll likely be SD'ed until I can combine the two cards or reallocate the CL from the older card, I probably won't bother, but with the newer card, I'll have to make sure to keep that in mind.

[CreditCuriosity]

Just threaten to cancel the card and you will either get a 0 apr for 12 months or an apr reduction or many things they are near impossible to cancel and do anything to keep a customer... I have tried many times and always get transferred to retentions and every offer under the book is thrown at me except a decent CL..