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Super Contributor
enharu
Posts: 6,889
Registered: ‎02-27-2013

Re: Discover CLI........just pulled trigger. APPROVED


maiden_girl wrote:

AWESOME! I currently have a 1400 balance on my 1500 limit...think Discover might get a little mad if I pay it down to like 900 and ask for a CLI? LOL.


If you're in your 0% offer period, might as well leave a balance. it's interest free and that's what normal people would do.

it might affect your CLI in the short run, but overall as long as you practice good credit habits they'll still increase your limits

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Valued Contributor
maiden_girl
Posts: 2,004
Registered: ‎12-29-2011

Re: Discover CLI........just pulled trigger. APPROVED


enharu wrote:

maiden_girl wrote:

AWESOME! I currently have a 1400 balance on my 1500 limit...think Discover might get a little mad if I pay it down to like 900 and ask for a CLI? LOL.


If you're in your 0% offer period, might as well leave a balance. it's interest free and that's what normal people would do.

it might affect your CLI in the short run, but overall as long as you practice good credit habits they'll still increase your limits


+1

 

I totally agree. I haven't really carried a balance until recently. Had a few expenses.

The truth is out there...
FICO scores: 724 (EQ) 709 (EX) 711 (TU) 4/14 | Goal score: 750+ (all 3)
Tradelines: Capital One (5.0k) | Discover IT (5.0k) | Walmart Discover (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)
--------------------------Gardening until my credit recovers...NO MORE INQUIRES TIL 2015
Established Contributor
TNTransplant
Posts: 772
Registered: ‎01-03-2012

Re: Discover CLI........just pulled trigger. APPROVED

Congrats on your CLI - that's great! :smileyhappy:

 


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012

Re: Discover CLI........just pulled trigger. APPROVED

WOW! I have a $1000 limit...just approved this month. I wonder if I will get the same results in 6 months! :smileyvery-happy: What was your score when you applied for the increase?
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Senior Contributor
youngandcreditwrthy
Posts: 6,137
Registered: ‎08-16-2012

Re: Discover CLI........just pulled trigger. APPROVED

Congrats!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k | Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Contributor
Sitori
Posts: 268
Registered: ‎10-25-2012

Re: Discover CLI........just pulled trigger. APPROVED

Ooooooo thanks for posting this. My 6th statement is about it hit on the 17th. I have a 1700 CL and right now 800 on there. I've always carried a balance but paid double payments throughout the months and always around 100-200$. I'm about to pay it all the way down to around $100 so that my UTL will drop when it reports.

I've had that damn Luv button staring at me for months but I've refrained! I will hit it at the end of May for my increase!!

Can you type in how much you want? I don't know what to ask for? Would $3000 be good for a SP? I do NOT Want a HP bc I'm going to be joining NFCU and that will be tons of HPs lol.

I already have 8 from last year!

-------------------------------------------------------------------------------------------------
EQ 701, TU 685, EX ?
Wallet:
Amazon store $2500(10/12), Cap1 $1500 (10/12), Discover $1700 (11/1/12).

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