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Wow, that's a very nice CLI via SP,, congrats on the approval. You must be doing great things that Discover is showing some love 👍👍👍
@UncleB wrote:
@Anonymous wrote:
@Anonymous wrote:ML, would you share usage, payments, etc with us? I know Discover is difficult to predict, but anything helps. Thanks!
Thanks for the reminder, humu. I sure will.
Discover is one of my daily drivers. It just hit a year old so there will be interest on the account from now on if there is a balance. My interest rate is 12.99. My account started at 10k and I was able to get it to 16k by small increases and one increase of 2500. I carried a balance of about 3k and charged at least 1k per month and make 1k payments monthly so the balance remained.
This month I paid my 3k bill and left no balance. This is the first large CLI I have received. This month my TU score increased from low 700's to where it is now at 758. (Just an fyi-I did that with an installment loan with SoFi.)
Just another data point. I had a Discover card years ago with a CL of 5k and closed it before my financial troubles in 2008.Hope this helps someone.
These are great data points... FWIW I did the same thing just before I got my first 'big' (for me) CLI with them.
I was carrying a 0% BT and using it for the categories (also 0%) but before the promo ran out I paid the whole thing off... that payment was similar to yours (just over $3k). It was just after this when I 'graduated' from the $500 club.
It would seem that unlike Capital One, Discover appears to 'count' paying off a large BT as activity that warrants a CLI.
Fantastic, UncleB! Amazing, isn't it?
@Anonymous wrote:Wow, that's a very nice CLI via SP,, congrats on the approval. You must be doing great things that Discover is showing some love 👍👍👍
Thanks, Mia. I paid my account off since my zero interest ended and guess they liked that a lot!