Discover CLI? UPDATE!!!

[enharu]

ok i'm putting the cart in front of the horse a little since I just got my discover account set up yesterday.

but what do Discover look at when they review for CLI?
Spending habits? Credit Report / Scores?

Thanks!

[blondy250]

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@afbar1114 wrote:
What will it say? It's a hard pull?

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It will say this request will NOT affect your score, or it will say this request MAY affect your score. If you see the "may" its a hard pull.

[afbar1114]

could this mean i can request one soon?

[afbar1114]

Still says I am not allowed for a CLI. So I called and rep is looking into it

[afbar1114]

So Discover said its not after six statements for a CLI its six months after the account is open...so i need to wait another 2-3 weeks

[lg8302ch]

Really? or whichever is last? my account has been kind of backdated by Discover and will be 6 months in two weeks but only the 4th statement period...so far same error message. Would like that they at least match the 2nd lowest CL and match Chase but with SP only. For me not worth the HP rather SD the card and keep gardening for CSP.

[laboi_22]

This is why I'm no fan of Discover and they are getting the ax with their 22.99% APR now that I have cards with high limits and low aprs goodbye discover. They say six months but it was a year before I got a $500 CLI. Great customer service though. Otherwise pointless to have in my wallet IMO

[afbar1114]

So i got a CLI for $800 to bring me to $2000..My UTL and a few past baddies over 4 years old hurt a bit. I took the hard pull because they said it declined on lates and knowing i had no lates i said go ahead. I also requested my APR be lowered so we will see what happens. Has any one requested a CLI then got an auto CLI?

[09Lexie]

Congrats on CLI!

[afbar1114]

thanks i was afraid with all the bad people say about discover i wasnt going to get one