When to ask Discover for CLI?

[virgo]

The rep told me that a day after 3rd statement cuts you can ask.

Question: Why do they pull Experian and Equifax for credit but supply a TU score?  Just curious. Thanks. 

[09Lexie]

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@virgo wrote:

The rep told me that a day after 3rd statement cuts you can ask.

Question: Why do they pull Experian and Equifax for credit but supply a TU score?  Just curious. Thanks. 

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They pull TU for credit as well - they did for me.  I believe it's the cost, TU is supposedly cheaper than the EX and EQ

Dont forget, they use TU for CLI's 

[BarryNTexas]

Do you push the luv button or call in?  I tried to use the button but said not available at this time.  Gave number to call.

[PlasticOrPlastic]

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@BarryNTexas wrote:

Do you push the luv button or call in?  I tried to use the button but said not available at this time.  Gave number to call.

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Mine said the same, I actually did it all through the online chat.  Simple and had a CLI in less than 5 min. 

[virgo]

09Lexie,  another reason to hate Experian. lol  

My TU is pristine. No inq's no bads. Heavy use on Discover and PIF before statement cuts. But I still get the 'you must call in' line.  OMG, maybe they got a whiff of my morning breath! hehe  

[mab463]

Now I'm so conflicted!!!! What do I do?!

You'd think a TU score of 743 would be good, but I don't know

[PlasticOrPlastic]

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@mab463 wrote:

Now I'm so conflicted!!!! What do I do?!

You'd think a TU score of 743 would be good, but I don't know

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Have you called or chatted?  They will tell you if its going to be HP or SP, then you decide if the HP is worth it.  I personally say go for it. 

[mab463]

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@PlasticOrPlastic wrote:

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@mab463 wrote:

Now I'm so conflicted!!!! What do I do?!

You'd think a TU score of 743 would be good, but I don't know

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Have you called or chatted?  They will tell you if its going to be HP or SP, then you decide if the HP is worth it.  I personally say go for it. 

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I'll do that now. I imagine a HP since my account is not even a month old. It would just be so great to even have $1,000 haha.

[PlasticOrPlastic]

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@mab463 wrote:

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@PlasticOrPlastic wrote:

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@mab463 wrote:

Now I'm so conflicted!!!! What do I do?!

You'd think a TU score of 743 would be good, but I don't know

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Have you called or chatted?  They will tell you if its going to be HP or SP, then you decide if the HP is worth it.  I personally say go for it. 

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I'll do that now. I imagine a HP since my account is not even a month old. It would just be so great to even have $1,000 haha.

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Of course YMMV but Discover was very easy going with me, and complimented me for being a good customer.  I'm guessing it'll be a HP but again its well worth it for what you've described. 

[mab463]

 I got this response:

"I understand our interest in increasing your credit limit, I am showing you have been with us less than three months. Discover Card periodically evaluates credit lines for a possible increase; however, we do not generally increase the credit line on accounts that have been open for less than three months. If you are still interested in a credit line increase after three months please contact us again and we would be happy to submit your request at that time."