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Discover finally cracked!

CMH1990
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
AllThingsInTime
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
iMacGuy
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
creditwarrior2317616
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
VoltronM
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
AverageJoesCredit
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
FireMedic1
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)






Homeowner since Sept 2020. My posts are JMHO. My siggy is not to brag. Just sharing my experiences after BK from learning here from rebuild to recovery from the @ 540's.
Message 7 of 9
xaximus
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
MartyWrite75
Valued 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.
September 2021: Experian 717 Equifax 705 Transunion 725


Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS1: $4,100 (Sock drawer) || Discover It: $4,900 || Cap One Walmart: $600 (Sock drawer) || AMEX BCP: $1,000 || Amazon Prime Store Card: $6,000 || Overstock Store Card: $7,550 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $2,000

Wishlist Cards:
Citi Double Cash || Paypal Mastercard || Cap One Savor || Citi Custom Cash

Gardening from 03/18/2021 to 04/18/2023 (ideally)
Total Utilization: 9%
Inquiries: Exp: (4) Trans: (0) Equif: (0)
Message 9 of 9
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