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Disco CLI to DD or not

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Valued Member

Disco CLI to DD or not

Applied and approved for Discover IT in April with SL 2400. Logged in today and saw $500 CLI. Not much but I’ll take it! I think the increase happened either yesterday or today. Last log in was Monday and it wasn’t there. Any advice on DD? I hit the luv button and it asked me to enter personal/income info and had the disclaimer that they could “check my bureau”. I didn’t proceed because I don’t want a HP just to DD. Just curious....
Cap One Plat $500 | Merrick $1600 | Cap One QS $1250 | Kohls $700 | VS Angel $900 | NY&Co $970 | Wayfair $1080 | Ulta $1180 | Discover It $2900 | Barclay Apple Rewards $2500 | Target $2500 | RBFCU $2000 | AMEX Delta Gold $1000 | PayPal MC $2000 I IKEA $5500 I Citi DC $3000 I Dillards $700 JCP $500 I WalMart $500 I Amazon Prime $900
Current Scores 5/2019:


Message 1 of 12
11 REPLIES 11
Established Contributor

Re: Disco CLI to DD or not

Congrats on CLI! Smiley Very Happy




Message 2 of 12
Valued Contributor

Re: Disco CLI to DD or not

better you call in and say" double dip please" they will tell you if they need to hp.

Message 3 of 12
Senior Contributor

Re: Disco CLI to DD or not

Congrats on CLI !!!!!

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 4 of 12
Established Contributor

Re: Disco CLI to DD or not

Congratulations on your CLI!

October 2019 Current Scores: Experian-670
TransUnion-680
Equifax-696
Goal for 2019: Scores of 675 all across the board.
Gardening until Spring 2020

Cap One (PCed to Quicksilver 7/20/18) $500
C1 Quicksilver One $1.6K
DiscoverIt Chrome $1.8K
Walmart Store Card $500
Ollo Rewards Card $800
Amazon Store Card $1K

Cards I Want: Paypal 2%, CareCredit, Capital One Savor

Total Utilization: 30%
No baddies
Inquiries to Date- 3


Message 5 of 12
Frequent Contributor

Re: Disco CLI to DD or not

I'd give them a call. Better to know for sure if they're going to HP and you'll never know if you don't ask!
Grats on the CLI!



Message 6 of 12
Member

Re: Disco CLI to DD or not

Congrats on the CLI. It would be better to call-in and ask for another CLI. They should be able to tell you if it would only be a SP.

US Cards:
Amex Platinum (NPSL, $35,000 Pay Over Time) | Amex Blue Cash Everyday ($15,000) | Amex Cash Magnet ($10,000) | Discover It Cash Back ($2,000)

Canadian Cards:
TD Aeroplan Visa Infinite Privilege ($15,500) | TD US Dollar Visa ($9,600) | Amex Air Miles Platinum ($20,000) | Amex Gold Rewards (NPSL) | MBNA Mastercard ($20,000) | Capital One Costco Mastercard ($10,000)
Message 7 of 12
Established Contributor

Re: Disco CLI to DD or not

Congratulations on the CLI! Best option is to give them a call and to request for any additional increase.

 

Fico Scores as of March 2019: TU:765 EQ: 775 EX: 755 Fico Goals: TU: 770+ by 12-2019 EQ: 770+ by 12-2019 (achieved) EX: 780+ by 12-2019
Message 8 of 12
Valued Member

Re: Disco CLI to DD or not

No, in my experience with Disco, luv button is always a SP. They will specify specifically again after that screen if they need to do a HP and will ask for your consent first. You can ask Disco for luv anytime on SP. They have no timeline. Go for DD!!

Note: This is the language you see on luv button screen right?

After reviewing your application we might need to pull a credit bureau report, which may affect your credit score. In these cases, we will proceed with the application only with your consent.

If so, this is SP... hope this helps and update us back with outcome! 😊
Started my Credit Rebuild Journey in April 2017 - FAKO Scores Low-Mid 500's
Current FICO8 Scores as of 07/10/2018: EQ 642 ↓ 4 (3 INQ)| TU 621 ↓ 1 (2 INQ) | EX 662 ↑ 1 (4 INQ) | - GOAL: 750 → The Board

Wallet: Discover it $6.5K|Citi Double Cash $8.1K|American Express SimplyCash Plus Business $2K|American Express Everyday $1K|American Express Hilton Honors $1K|Credit One Platinum $700|Capital One Quicksilver $600|Victoria's Secret $250

8DCvOA.png8DClQ3.png8w6K3x.png8DCH8F.jpg8cQ8za.png8DCzn0.jpg8DC7ur.jpg8bNUL9.jpg

TCL: $20,150 - GOAL: $100,000

~*~Gardening Until August 2020~*~
Message 9 of 12
Valued Contributor

Re: Disco CLI to DD or not

Congrats on the CLI!


Scores - All bureaus 750 +/-
TCL - Est. $275K
Message 10 of 12
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