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Are these real preapprovals - Update Approved

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Super Contributor

Re: Are these real preapprovals


@aesl1982 wrote:
I went with the discover it miles card

That’s a great choice. Make sure you move any spend that doesn’t earn more than 3% to it so that you can get the maximum out of the first year cash back match. That’s also a great way to grow the card over time. Smiley Wink



01/2019:
10/2019:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 11 of 26
Regular Contributor

Re: Are these real preapprovals

Thanks you! Been a long road. Transunion and Equifax haven’t updated since fall offs and pay off other low limit cards. They still low 600’s Experian was 664. So app spree is out of the question till they update properly. Then I can go for my navy card finally.
Discover it miles 9/19 Sl 5000 | Care Credit 9/19 SL 3500 | Cap 1 QS 4/14 AU 500 | Cap 1 QS1 4/14 AU 600 | NFCU Secured 8/19 200 | NFCU CLOC 9/19 500 | NFCU auto 10/19 6.29 66k | NFCU Auto 4.9% 37k
Experian- 702
Equifax- 676
Transunion- 611
Util- 9%
Message 12 of 26
Community Leader
Super Contributor

Re: Are these real preapprovals

Outstanding! Took me 2 years to get a 5k sl from Miss DiscoSmiley Happy. Slow and steady, build up your profile with good quality cardsSmiley Happy. Now have fun with us trying to please Miss Disco , 🎱 is now yoursSmiley Wink
#ChaseCreditCardHobby Enthusiast
2022
!
Message 13 of 26
Regular Contributor

Re: Are these real preapprovals

Yes, the limit of 5k goes in like with monthly spend anyways. I plan to use it for everything and then pay it off every pay day
Discover it miles 9/19 Sl 5000 | Care Credit 9/19 SL 3500 | Cap 1 QS 4/14 AU 500 | Cap 1 QS1 4/14 AU 600 | NFCU Secured 8/19 200 | NFCU CLOC 9/19 500 | NFCU auto 10/19 6.29 66k | NFCU Auto 4.9% 37k
Experian- 702
Equifax- 676
Transunion- 611
Util- 9%
Message 14 of 26
Regular Contributor

Re: Are these real preapprovals

What are discovers rules as far a cli is it 91/3 or is it 180
Discover it miles 9/19 Sl 5000 | Care Credit 9/19 SL 3500 | Cap 1 QS 4/14 AU 500 | Cap 1 QS1 4/14 AU 600 | NFCU Secured 8/19 200 | NFCU CLOC 9/19 500 | NFCU auto 10/19 6.29 66k | NFCU Auto 4.9% 37k
Experian- 702
Equifax- 676
Transunion- 611
Util- 9%
Message 15 of 26
Frequent Contributor

Re: Are these real preapprovals

Congratulations 🎉🍾🎊 Welcome to the DISCO family.

CARDS: Discover It | QuickSilver One | Open Sky | Kohl’s | BB&T Spectrum Cash Rewards | NFCU CashRewards | OverStock
Starting Scores 05/2019: EQ:519, EX:525, TU:574
Message 16 of 26
Super Contributor

Re: Are these real preapprovals


@aesl1982 wrote:
What are discovers rules as far a cli is it 91/3 or is it 180

Disco doesn’t have any set CLI rules. Some people smash that CLI button daily, some of us monthly, some get auto CLIs after 3 months... there is no defined pattern. You can literally be denied one day and approved the next. 



01/2019:
10/2019:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 17 of 26
Regular Contributor

Re: Are these real preapprovals

 


@Saeren wrote:

@aesl1982 wrote:
What are discovers rules as far a cli is it 91/3 or is it 180

Disco doesn’t have any set CLI rules. Some people smash that CLI button daily, some of us monthly, some get auto CLIs after 3 months... there is no defined pattern. You can literally be denied one day and approved the next. 


Thats crazy but i guess they have a method to their madness. capital one ive had for 5 years, never missed a payment and they give me different reasons every time why i cant have a CLI. been stuck at $500 forever. i solve one reason and they come up with another one. im pretty much done using their cards 

Discover it miles 9/19 Sl 5000 | Care Credit 9/19 SL 3500 | Cap 1 QS 4/14 AU 500 | Cap 1 QS1 4/14 AU 600 | NFCU Secured 8/19 200 | NFCU CLOC 9/19 500 | NFCU auto 10/19 6.29 66k | NFCU Auto 4.9% 37k
Experian- 702
Equifax- 676
Transunion- 611
Util- 9%
Message 18 of 26
Super Contributor

Re: Are these real preapprovals


@aesl1982 wrote:

 


@Saeren wrote:

@aesl1982 wrote:
What are discovers rules as far a cli is it 91/3 or is it 180

Disco doesn’t have any set CLI rules. Some people smash that CLI button daily, some of us monthly, some get auto CLIs after 3 months... there is no defined pattern. You can literally be denied one day and approved the next. 


Thats crazy but i guess they have a method to their madness. capital one ive had for 5 years, never missed a payment and they give me different reasons every time why i cant have a CLI. been stuck at $500 forever. i solve one reason and they come up with another one. im pretty much done using their cards 


Unfortunately it takes a lot more to move out of Capital One’s buckets than it does with Disco. You will definitely see growth on your Disco if you treat it well, the timelines for that just are pretty varied. 

 

Your $5K SL is a good indicator that you will get future increases. 



01/2019:
10/2019:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 19 of 26
Valued Contributor

Re: Are these real preapprovals


@Saeren wrote:

 

Your $5K SL is a good indicator that you will get future increases. 


You've had a pretty amazing run with them.  Do you ever ask for cli's anymore?

"LEAVE A MESSAGE AT THE BEEP"
Message 20 of 26
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