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Established Contributor
Posts: 627
Registered: ‎07-28-2008

Discover Approval + Immediate CLI

[ Edited ]

Hey guys,


So I'm happy to report good news today. I was just approved for the one card I was never able to get years ago.. A Discover card!


Here's the scoop.


I submitted the application online and checked the boxes to receive an "Instant Decision." The wheel spun for about a minute and I was then asked to call in. A chat box appeared so I jumped on there to speak with a rep. She needed to verify some info and instantly approved me for $9,000. You guys know Uncle Money wasn't stopping there so I asked her if she can increase the line a little more so I can take advantage of their generous balance transfer offer while using the card for purchases without coming close to my limit. She bumped the limit to $11,000! I asked for more again lol but she said they need to see 3 billing cycles of activity. I have no idea which credit bureau was pulled. I checked my alerts and didn't see any inquiries post yet.


I'm happy with this outcome. I've heard a lot of good things about Discover so looking forward to using this card.


Uncle Money


Initial Approval:

Screen Shot 2017-05-17 at 12.01.07 PM.png


 After Chat:


Super Contributor
Posts: 8,861
Registered: ‎10-03-2008

Re: Discover Approval + Immediate CLI

Not to shabby ... awesome approval and CLI!!! Talk about love right out of the chute Smiley Happy And, you say Discover did not love you before ... hmm?
Starting Score: 824
Current Score: 829
Goal Score: 850

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Established Contributor
Posts: 627
Registered: ‎07-28-2008
0 Kudos

Re: Discover Approval + Immediate CLI

Thanks Dinosaur!


It was not until recently they started sending me weekly mailers. I never got them previously and was declined more than once in the past so at one point I just gave up on Discover until now!



Established Contributor
Posts: 846
Registered: ‎06-02-2016

Re: Discover Approval + Immediate CLI

[ Edited ]

WOW, Uncle_Money, very nice approval on top of getting a CLI. That's the way to go!

|| NFCU Signature $16.5K || NFCU Platinum $7.5K || Macy's $7.5K || Discover IT $6K || Chase FU $5K || CitiCostco $4K || CitiDC $3.3K || NFCU CLOC $1K ||
Valued Contributor
Posts: 1,283
Registered: ‎03-01-2016

Re: Discover Approval + Immediate CLI

Congrats!! Awesome Disco approval, and even better getting it immediately increased!!
You'll have the thing at 50K in no time
State Farm Rewards (3,000) ~ Marvel MC (5,000) ~ PenFed Power Cash (5,000) ~ PenFed Promise (6,000) ~ PenFed OLOC (500) ~ Discover ($1,000) ~ Citi DC (1,700) ~ NFCU cashRewards (6,200) ~ NFCU Platinum (1,700) ~ NFCU CLOC (15,000) ~ QuickSilver Visa (10,300) ~ DCU Visa (5,000) ~ Chase Freedom Unlimited (3,000) ~ Amex Hilton Honors (5,000) ~ Amex SPG Business (3,000) ~ Care Credit (12,000)
Current Scores (7/8/17): 673 Transunion, 616 Equifax, 651 Experian
Senior Contributor
Posts: 8,938
Registered: ‎04-23-2016

Re: Discover Approval + Immediate CLI

Uncle Money gonna be rollin in the Disco doughSmiley Wink. Great limit, i definitely envision you cracking 20k within a yearSmiley Wink
Established Contributor
Posts: 590
Registered: ‎01-16-2016

Re: Discover Approval + Immediate CLI

Congrats uncle money. That's a nice SL. Discover has some great perks and the first year cash back is super sweet. Enjoy. 🍾🎉🎊🐬🎈

Frequent Contributor
Posts: 337
Registered: ‎08-07-2009

Re: Discover Approval + Immediate CLI

Congrats!!!! That beats my 500 CLI I got today from Discover. LOL. . . Not even going to do a post anymore. Congrats! New limit 7,800.

Valued Contributor
Posts: 1,284
Registered: ‎01-19-2015

Re: Discover Approval + Immediate CLI

Pretty impressive...Congratulations!!

AmexPlat(NPSL) Amex BCP(26k) BofA CR Siggy(15k) NFCU CLOC(15K) AmexOpt (13.1k AU) NFCU VS Cash(12.5K) Venture WMC(10.25k) Walmart(10k) BofA BBR(10k) Lowes(10K) Discover(8.5k) Chase FU(7k) Pier 1(6.5k) BB Visa(6k) Care Credit (6k) J Crew(5.6k) Citi Diamond(5.5k) Barclaycard(5k) PenFed PCR(5K) Kohls(3k) Mortgage May 2017 - 2 Penfed auto loans May 2017

FICO 8 Scores EX 722(15) EQ 688(17)TU 717(18) AAOA 3.0yrs TCL=179,950
Established Contributor
Posts: 531
Registered: ‎02-22-2017

Re: Discover Approval + Immediate CLI

Congratulations on the awesome approval!!!!!
In the wallet:
Amex PRG ~ Amex BCE ~ Discover ~ NFCU Cash Rewards Visa Signature ~ NFCU Platinum Visa ~ NFCU Line of Credit ~ Chase Amazon Prime Visa Signature ~ PenFed Cash Rewards Visa ~ PenFed Promise Visa ~ Fairwinds Credit Union Cash Rewards Visa ~ CapOne QS1 ~ Lowes Store Card

Closed on mortgage 8/9/17!! Woot!

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