The Disco 2 Day Message

[Anonymous]

Greetings, all.

Been on the 90 day CLI train with Discover but tried last night for a 60 day CLI through the mobile app and got the “request under review/2 business days/there’s nothing you need to do at this time” song and dance. I started at 5k, received a 1k increase after three months, and every 90 days since it’s risen $500 to 7k.

Any ideas on whether this is a rejection or a substantial increase? I’m carrying a zero balance on my IT card, always pay it in full, and:

Fico8’s around 715-725

AAoA - 1 year

5 HQ’s over the last year

Utilization - 7%

Zero lates

I know Disco can be about as stable as the Joker on meth regarding approvals and denials but I’m curious what others have experienced.

[Anonymous]

All of my "under reviews" seem to yield only $500 increases. Curious how you make out.

[AverageJoesCredit]

When i was on my 1st go around with Discover i went almost a whole year never seeing that message. When i got it, yup, denied, well ,they wanted to see my Equifax which was weird as it was frozen but never saw that reason for a sp cli request with Discover before. Best of luck though

[Anonymous]

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@AverageJoesCreditwrote:
When i was on my 1st go around with Discover i went almost a whole year never seeing that message. When i got it, yup, denied, well ,they wanted to see my Equifax which was weird as it was frozen but never saw that reason for a sp cli request with Discover before. Best of luck though

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Interesting, any more DPs on this?

[Anonymous]

Most of my largest increases come after receiving that message.

[joltdude]

Discover 2 day = manual review.... i.e someone physically looks at your account and such

Most of my CLI requests with Discover used to get the 2 day notice... and either a 4 digit CLI or no soup for you... Of course YCMV ...

Now I hear they give out consolation prizes (the SJ special at 300, and the AJC special at 500)...in addition to the no soup for you

Good luck

-J

[Anonymous]

Like another said, it is under manual review.

[Anonymous]

I got my first disco cli after a 2 day review after my 8th statement. All previous attempts were declined on the spot. My SL was $800 and they bumped me to $1,100.

DH has received several instant cli approvals taking him from $1,200 to his current limit of $3,600. Today he got the 2 day review after his statement cut. We shall see what that yields.

Hope yours is a YES!