Discover Miles – Almost immediate approval
As I was typing up yesterday’s BoA post, I had forgotten I wasn’t banned from Discover yet and so I decided to get a Miles card. This will be my second go-around with this card; I had cancelled the first one over a year ago. Also note that I have an IT card already. That card had a $30K CL or so because I was able to merge the CL’s a loooong time ago. It was a tough decision to drop the CL a few months ago, but I did it because I wanted to get a higher CL this time around (the first card only gave me a $3K CL.) So a few months ago, I dropped the $30K CL down to $5K.
After I submitted the app, a chat box opened up saying they needed more info. Over chat, I verified myself and then the rep asked me for my income, which I thought was odd SINCE I JUST SUBMITTED THAT 5 SECONDS AGO. After a few minutes though, I was approved for a $5K CL and the rep even mentioned that I would get my cashback doubled at the end of 12 months. Sorry I don’t have the screenshot (I probably should have saved it,) but I’m confident it’ll get doubled next year. I’ll call to double check once the card comes in though.
Others have also mentioned that if you do put a lot of spend on the card, then after 2-3 months, they’ll auto increase the CL on the card, so I’m hoping that’ll happen. I had tried to move CL back in the day, but it seems that the only time you can do that is if you call recon. Once you’ve been approved, it’s game over. So maybe I should have asked the chat rep to move some CL over when I had him on chat.
Also remember the card comes with a $30 annual credit for in flight WiFi or something. I wish I had that when I was on my Etihad flight.