First Discover CLI Request since June 2015

FocusedAndDetermined · ‎01-05-2016

I opted not to continue with the 30 or 90 day requests, sinceI was sittine at $12.5K. Because of my recent business start up I wanted to float some cash, so I put DD's tuition on the It card. Wanted to pay $4.5K immediately, so the reported balance would be under 50%. For some strange reason the system wouldn't allow me to make a payment despite the charge posting. I decided to hit the CLI button hoping for a $1.5K increase. Instead they offered a $6K bump. Jumped on it. I now sit at $18.5K on the IT and the reportted balance will be less than 50% .

Still hoping to make a payment before the statement cuts, but at least, I now have a lot more breathing room. Thank you Discover!

EDIT: Mods feel free to move this post to Approvals section - I'm rusty.

Anonymous · ‎01-06-2016

Sweet!

BigBS · ‎01-06-2016

Very nice!

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

Anonymous · ‎01-06-2016

Congrats!

alextercero · ‎01-06-2016

Congrats

Current Credit Cards

NFCU More Rewards | CL $3000 @ 18.00% APR| 08/2021

Capital One Quicksilver One | CL $6000 @ 31.99% APR 39.00 AF | 09/2021

Capital One Quicksilver | CL $4000 @ 31.99% APR | 02/2022

NFCU Cash Rewards | CL $1500 @ 18.00% APR | 06/2022

Currently rebuilding as of (May 2021)

Current Fico Scores 8/9: (April 2024)

Credit Age:

Inquiries:

joeaseer · ‎01-06-2016

That's a cool way to get a CLI. Congrats on your successful approval.

EQ Score: 784 | TU Score: 758 | EX Score: 760 | Goal Score: 800+
INQ = TU: 1 | EQ: 0 | EX: 4
Utilization: 0% usually or at most 1% - 3%.
Amex BCE (Approved: 11/2015): $24k ($6k SL) | Discover IT (Approved: 07/2015): $16k ($1k SL)
Citi DC WEMC (Approved: 07/2016): $14.5k ($4.6k SL) | Chase SR (Approved: 01/2017): $11k
Chase Freedom Unlimited (Approved: 07/2016): $7.5k | Chase Freedom (Approved: 12/2014): $5k ($500 SL)
Citi Simplicity (Aprroved: 07/2018): $4.5k | Total CL: $82.5k

pizza1 · ‎01-06-2016

very nice, and much congrats on the CLI

coldnmn · ‎01-06-2016

Congrats Focused!

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17

Belfanm · ‎01-06-2016

Way to go! Congrats. My CLIs have been denied so I plan to sit back for 60 days..

Exp 745 Trans 738 Eq 760 Gardening since 3/6/2016

myjourney · ‎01-07-2016

@FocusedAndDetermined wrote:
I opted not to continue with the 30 or 90 day requests, sinceI was sittine at $12.5K. Because of my recent business start up I wanted to float some cash, so I put DD's tuition on the It card. Wanted to pay $4.5K immediately, so the reported balance would be under 50%. For some strange reason the system wouldn't allow me to make a payment despite the charge posting. I decided to hit the CLI button hoping for a $1.5K increase. Instead they offered a $6K bump. Jumped on it. I now sit at $18.5K on the IT and the reportted balance will be less than 50% .

Still hoping to make a payment before the statement cuts, but at least, I now have a lot more breathing room. Thank you Discover!

EDIT: Mods feel free to move this post to Approvals section - I'm rusty.

Congrats Focus

Looking good

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?