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*UPDATE* Despite foreclosure, massive Discover CLI

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JagerBombs89
Established Contributor

*UPDATE* Despite foreclosure, massive Discover CLI

As most of you know, I recently had my foreclosure finalize in June of 2015.  That same month, I signed up for Discover Cashback and was effective when my statement cut, which was the first week of June.  Since I only got $300 CLI during the gravy train days in May, I hit that luv button on July 6th and got a modest $500 CLI.

 

Well, in the last 3 months, I ran about $13,000 through my card to show Discover some usage and to maximize the double cashback.  Hit the luv on Saturday the 4th, and logged in earlier to see:

 

Old Limit: $7,800

New Limit: $12,800

 

That's right, even with a 3 month old foreclosure, I got a $5,000 CLI with heavy usage!  Current FICO scores are on page 1 of my main thread, found in my signature!



Figured I would just edit this thread instead of make a new one.  I haven't really been thinking about CLI since my last one on September 8th, but I figured I would request one anyways, today February 4th.  Well, $6,500 bump on my limit!  TU FICO is now at 695 as well!

 

 

Discover

Message 1 of 18
17 REPLIES 17
EW800
Valued Contributor

Re: Despite recent foreclosure, massive Discover CLI

Congratulations, Jager! Smiley Happy
Very happy that your recovery is progressing so well!

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Sept 2024: EX8: 847; EQ8: 850; TU8: 848 -- Middle Mortgage Score: 821
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
Message 2 of 18
alextercero
Super Contributor

Re: Despite recent foreclosure, massive Discover CLI

Congrats

Current Credit Cards



Currently rebuilding as of (May 2021)

Current Fico Scores 8/9: (December 2024)


Credit Age:

Inquiries:

Message 3 of 18
-Cal-
Valued Contributor

Re: Despite recent foreclosure, massive Discover CLI

sorry to hear about your foreclosure, congrats on your CLI!
Message 4 of 18
OmarGB9
Community Leader
Super Contributor

Re: Despite recent foreclosure, massive Discover CLI

Grats

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 5 of 18
Anonymous
Not applicable

Re: Despite recent foreclosure, massive Discover CLI

Congrats! Nice increases.

Message 6 of 18
Imperfectfuture
Super Contributor

Re: Despite recent foreclosure, massive Discover CLI

Congrats, celebrity. Smiley Wink

Good job.
Signature needs updating
Message 7 of 18
Anonymous
Not applicable

Re: Despite recent foreclosure, massive Discover CLI

 
Message 8 of 18
JagerBombs89
Established Contributor

Re: Despite recent foreclosure, massive Discover CLI


@EW800 wrote:
Congratulations, Jager! Smiley Happy
Very happy that your recovery is progressing so well!


Thanks!  Next goal: get the other 3 of 6 cards above a $10k limit! 

 

And for all those who are wondering, I went to Card Details -> Request Increase.  However, as of today, that link is now missing.

Message 9 of 18
Knight302
New Contributor

Re: Despite recent foreclosure, massive Discover CLI

 Wow. I have one collection for $170 and can't get them to raise the $500 limit for nothing. Maybe using the card more often will be the answer.

Message 10 of 18
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