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Discover finally cracked!

Valued Member

Discover finally cracked!

Recently I paid a decent chunk of my debt off. I noticed they FINALLY reported the payment and I was feeling frisky, so I started checking if I had any pre-approvals floating around.

Discover gave me pre approvals for the It and the Chrome with a single APR (24%, yuck, but I don’t plan to carry a balance anyway.) I pulled the trigger on the It. Approved! SL $1,600, not the greatest but I’m just glad I finally got my foot in the door with them.

I’m guessing they pulled EX, I haven’t received any notifications yet. Scores should be in the 650-660 range. An embarrassing amount of inquiries (20, I think. 8 in the last 12 months.)

My question for you guys, how do I get this card to grow? I’m planning to move most of my daily spending to them. I’ve read here and there about double dip CLIs with them but I’m not sure how that works or when I can start poking the bear.
Message 1 of 9
8 REPLIES 8
Established Contributor

Re: Discover finally cracked!


@CMH1990 wrote:
Recently I paid a decent chunk of my debt off. I noticed they FINALLY reported the payment and I was feeling frisky, so I started checking if I had any pre-approvals floating around.

Discover gave me pre approvals for the It and the Chrome with a single APR (24%, yuck, but I don’t plan to carry a balance anyway.) I pulled the trigger on the It. Approved! SL $1,600, not the greatest but I’m just glad I finally got my foot in the door l with them.

I’m guessing they pulled EX, I haven’t received any notifications yet. Scores should be in the 650-660 range. An embarrassing amount of inquiries (20, I think. 8 in the last 12 months.)

My question for you guys, how do I get this card to grow? I’m planning to move most of my daily spending to them. I’ve read here and there about double dip CLIs with them but I’m not sure how that works or when I can start poking the bear.

Super Congrats on your Discover It $1,600 approval!!! Smiley Very Happy

 

If you're looking to pull the trigger on a CLI, check out the Back Door Numbers

link below. Scroll down to the Discover section and call the last number which is

the CLI Specialist. Congrats again on your approval. Thanks for sharing! Smiley Very Happy

 

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Backdoor-Numbers/td-p/408066

Message 2 of 9
Regular Contributor

Re: Discover finally cracked!


@CMH1990 wrote:
Recently I paid a decent chunk of my debt off. I noticed they FINALLY reported the payment and I was feeling frisky, so I started checking if I had any pre-approvals floating around.

Discover gave me pre approvals for the It and the Chrome with a single APR (24%, yuck, but I don’t plan to carry a balance anyway.) I pulled the trigger on the It. Approved! SL $1,600, not the greatest but I’m just glad I finally got my foot in the door with them.

I’m guessing they pulled EX, I haven’t received any notifications yet. Scores should be in the 650-660 range. An embarrassing amount of inquiries (20, I think. 8 in the last 12 months.)

My question for you guys, how do I get this card to grow? I’m planning to move most of my daily spending to them. I’ve read here and there about double dip CLIs with them but I’m not sure how that works or when I can start poking the bear.

This is fantastic news!  Discover is a wonderful company and you will probably fall in love from day 1 of using the card.

 

Great job and keep up the great work!

 

Love,

 

iMacGuy

Message 3 of 9
Valued Contributor

Re: Discover finally cracked!

Discover likes usage, so make this your go-to card and ask for CLI after, say, 91 days. Smiley Wink
Message 4 of 9
Senior Contributor

Re: Discover finally cracked!

Congrats on your approval !!!! Welcome to Disco family

 

 

 

 

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 5 of 9
Community Leader
Mega Contributor

Re: Discover finally cracked!

Congrats Smiley Happy. Best advice is to just use it. No one can tell you how to score a cli because none of us know. Discover is an enigma to all. Cli specialist sounds like an oxymoron , they will read from a script and if you are eligble for a cli you'll get one. Double dipping only works for a few, not everyone gets those so ymmv as always. Cli are sp unless they advise you they can hp for more. Auto luv can happen but rare. Enjoy your DiscoSmiley Happy
Message 6 of 9
Super Contributor

Re: Discover finally cracked!

Congrats! There is no solid who, what, when and how they do CLI's as the previuos posters said. It was either AJC or BBS was on a train for a while then the train ran out of gas (SP CLI's). I started at 1200 2 years ago. In fact got an alert their HP was removed from EQ today. Like the guys say. Use it and PIF. I went to 6500 after 20 months with a DD around 9 months? And at least over a dozen luv buttons. Moved 1500 to my newest Discover once approved and converted 1st iT to the iT Chrome. As they say YMMV. or DMMV (Discovers Mind May Vary)

Message 7 of 9
Valued Contributor

Re: Discover finally cracked!

Congrats on the approval! Just use it as a daily or close to that and you can request a CLI any time. I would also recommend on gardening for a bit to let the inq's age and fall off.


Scores - All bureaus 756 +
TCL - Est. $275K
Message 8 of 9
Established Contributor

Re: Discover finally cracked!

Congratulations! Like all the commenters before me, there's no rhyme or reason on how Discover does things when it comes to CLIs. They like keeping us on our toes.

Just use the card and the the 91st day arrives, request for a CLI.
January 2021: Experian 693 Equifax 694 Transunion 706


Cards I Have:
Cap One QS: $600 (Sock drawer)
Cap One QS1: $2,600
Discover It: $3,400
Cap One Walmart: $600 (Sock drawer)
AMEX BCE [PC to BCP]: $1,000
Amazon Prime Store Card: $5,000
Overstock Store Card: $4,550
FNBO Rewards Visa: $2,600

Wishlist Cards:
Citi Double Cash
Paypal Mastercard
Cap One Savor

Gardening from 01/11/2021 to 02/11/2022
Total Utilization: 20% to XX%
Message 9 of 9
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