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It is hard to say really. Chase is big on HP CLIs. There is much speculation on how to get an auto CLI from them and most of the suggestionsa re putting a lot of money through them. Discover seems to be a lot nicer lately with CLIs.
What other cards do you have?
Those are good cards. Out of curiosity, why did you not just request a CLI on those and save yourself the hit to your AAoA?
For me Discover is a pain in terms of CL. Lowest starting limit as well. The card and customer service is top I love my card but need to pif several times a month not to report maxed out card. While Discover will not move my 2,5K limit to 5K I just hit the luv botton on Amex and got 25K with same profile (got both cards 9 months ago)... I wish you all the best with a Discover CLI. Chase is famous for HP CLI and might even do multiple pulls on EX, EQ or TU.
@lg8302ch wrote:For me Discover is a pain in terms of CL. Lowest starting limit as well. The card and customer service is top I love my card but need to pif several times a month not to report maxed out card. While Discover will not move my 2,5K limit to 5K I just hit the luv botton on Amex and got 25K with same profile (got both cards 9 months ago)... I wish you all the best with a Discover CLI. Chase is famous for HP CLI and might even do multiple pulls on EX, EQ or TU.
This is why I am really hoping for an auto CLI before the holidays get into full swing. I have the chas to back everything up, I just love the rewards of the CSP and hate having to PIF multiple times a month to avoid reporting a high uti (high uti on the card, not overall uti)
yep... my Freedom is at 77% but my fault. I paid and payment posted the same day as statement cut but too late. Curious to see what a ding this will be on a single card nearly maxed out. Overall util is less than 5%... we will see. Glad I have no intention to apply for anything until 2014 (CSP last on my wishlist) and like this I can experiment a bit with my reportings
@lg8302ch wrote:yep... my Freedom is at 77% but my fault. I paid and payment posted the same day as statement cut but too late. Curious to see what a ding this will be on a single card nearly maxed out. Overall util is less than 5%... we will see. Glad I have no intention to apply for anything until 2014 (CSP last on my wishlist) and like this I can experiment a bit with my reportings
I also do not plan on applying for any cards anytime soon. My plan is to keep the number of cards I have as the max amount I get. I will just focus on growing these cards. The Slate isnt really doing anything for me so I may replace it later on when I find an AMEX that I can use. Or maybe Discover. I started a thread yesterday about which cards people are going to use during the holidays and Discover was mentioned a lot. Either way, I am waiting over a year for anything new.
@Xer0_SiN wrote:
azguy: originally when i activated the discover card, i did ask for an initial cli but the rep told me to wait 3 months (december) then i would be eligible for a cli. i took it as the law cause i was treading on new territory. i think thats the reason why im kinda apprehensive on using those two cards. the limit is not high enough to be useful but at the the same time its a prime bank. if i could i rather just not use it, let it report the zero balances for the next couple months, then see if i can get those clis. my other cards are all pretty much zero balanced as well, except zales and amazon because of special financing.
a bit of side info: since im in with them, do you think inquiries will still matter on hard pull clis? i have 60 inqs on each of my bureaus. lol
You meant 6.0, right? lol
How did you end up with 60 HPs in 2 years? Luckily, they only factor into you CS for 1 year but it looks pretty bad under manual review. I am not sure what they will think of your inq's during a CLI request because truthfully, I have never seen that many before. You could be the first to find out for us though!
Did you buy a few cars in the last year to get that many inqs?