cancel
Showing results for 
Search instead for 
Did you mean: 

Are these real preapprovals - Update Approved

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Regular Contributor

Re: Are these real preapprovals

does anyone know how discover works as far as a second card, or how long to wait before apping second card. Really want to take advantage of the experian clean profile and score and build build build. this discover is the first card that is actually mine. my other cards are AU cards and they dont report to all three CRAs

 


@Saeren wrote:

@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. 




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 21 of 26
Super Contributor

Re: Are these real preapprovals


@GApeachy wrote:

@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?


Usually once a month or so. I asked a few times this month when everyone was getting $5K and it was no but then they gave me a $3K IT Miles last night so go figure. 🤷‍♂️ 



01/2019:
1/2020:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 22 of 26
Super Contributor

Re: Are these real preapprovals


@aesl1982 wrote:

does anyone know how discover works as far as a second card, or how long to wait before apping second card. Really want to take advantage of the experian clean profile and score and build build build. this discover is the first card that is actually mine. my other cards are AU cards and they dont report to all three CRAs

 


@Saeren wrote:

@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. 





Your first card has to be a year old before you can get a second. 



01/2019:
1/2020:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 23 of 26
Super Contributor

Re: Are these real preapprovals


@AverageJoesCredit wrote:
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

sure wish I could get a 5K SiggyHeartSmiley Wink

 

#AverageJoe's$200KballerStatus@PR.com

 

Message 24 of 26
Super Contributor

Re: Are these real preapprovals - Update Approved

 

Congrats OP on your it Miles and Miles and MilesSmiley Happy

 

Message 25 of 26
Valued Contributor

Re: Are these real preapprovals - Update Approved

congrats on the limit and approval!

Message 26 of 26
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.