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Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
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Discover CLI's

Has anyone gotten a CLI with util. around 30%? I'm pproaching the 6 month mark.

 

I'll have 3 cards with balances. None maxed.




EQ FICO 548 3/3/16
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
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Re: Discover CLI's

They have denied my most recent CLIs... no luv at all from them Smiley Sad

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
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Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
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Re: Discover CLI's


webhopper wrote:
They have denied my most recent CLIs... no luv at all from them Smiley Sad

I'm hoping for a nice increase with them, my 9K PSECU card is reporting but has a 5K balance Smiley Sad

 




EQ FICO 548 3/3/16
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Discover CLI's

Awe. They pulled my tu report and denied my CLi because of some lates from 2006. Maybe I will get love next year

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Frequent Contributor
Posts: 403
Registered: ‎02-01-2010
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Re: Discover CLI's

I got one last month with >50% util that was spread among 3 credit cards and a line of credit. I was also hoping to ge a CLI at the 6 month mark but that didn't happen. I called in and the rep asked how much increase I wanted and I told her 2,000.00. It was approved w/o a hard pull. Initial CL was 1,000.00.

 

Good luck!

Meg.

FICO: 4/2016 - TU 841 | EQ 840 | EX 837

FNBO 23,600 | Amex SPG 13,900 | Amex BCP 13,400 | Barclays/Sallie Mae13,000 | Discover IT 12,500 | Lowes 10,000 | PLOC 9,300 | NASA FCU 8,700 | Citi Simplicity 6,200 | BOA Platinum+ 6,000 | Achieva CU 5,500 | Chase CSP 5,000 | Sam's Club 3,000 | Sears 900
Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
0

Re: Discover CLI's


SpiceIslander wrote:

I got one last month with >50% util that was spread among 3 credit cards and a line of credit. I was also hoping to ge a CLI at the 6 month mark but that didn't happen. I called in and the rep asked how much increase I wanted and I told her 2,000.00. It was approved w/o a hard pull. Initial CL was 1,000.00.

 

Good luck!


I really dont want the HP. Hopefully they can SP.

 




EQ FICO 548 3/3/16
Frequent Contributor
Posts: 403
Registered: ‎02-01-2010
0

Re: Discover CLI's


LS2982 wrote:

SpiceIslander wrote:

I got one last month with >50% util that was spread among 3 credit cards and a line of credit. I was also hoping to ge a CLI at the 6 month mark but that didn't happen. I called in and the rep asked how much increase I wanted and I told her 2,000.00. It was approved w/o a hard pull. Initial CL was 1,000.00.

 

Good luck!


I really dont want the HP. Hopefully they can SP.

 


The rep told me to let her know how much increase to enter into their system. If their system approved, it would be a soft pull. If however, the system denied it, she could do a hard pull with my permission.

Meg.

FICO: 4/2016 - TU 841 | EQ 840 | EX 837

FNBO 23,600 | Amex SPG 13,900 | Amex BCP 13,400 | Barclays/Sallie Mae13,000 | Discover IT 12,500 | Lowes 10,000 | PLOC 9,300 | NASA FCU 8,700 | Citi Simplicity 6,200 | BOA Platinum+ 6,000 | Achieva CU 5,500 | Chase CSP 5,000 | Sam's Club 3,000 | Sears 900
Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
0

Re: Discover CLI's


SpiceIslander wrote:

LS2982 wrote:

SpiceIslander wrote:

I got one last month with >50% util that was spread among 3 credit cards and a line of credit. I was also hoping to ge a CLI at the 6 month mark but that didn't happen. I called in and the rep asked how much increase I wanted and I told her 2,000.00. It was approved w/o a hard pull. Initial CL was 1,000.00.

 

Good luck!


I really dont want the HP. Hopefully they can SP.

 


The rep told me to let her know how much increase to enter into their system. If their system approved, it would be a soft pull. If however, the system denied it, she could do a hard pull with my permission.


Gotcha, i'd like 1-2K. I'd be happy with 2K.

 

Hoping they see my 9K limit and other bankcards around 2K and give me something in that range.

 




EQ FICO 548 3/3/16
Established Contributor
Posts: 792
Registered: ‎08-30-2011
0

Re: Discover CLI's

I have had 2 CLI and both have been soft pulls.  The first one was at 6 months for $500 and the next one was for $3000 at the 1 year mark.  So Discover can give some pretty nice soft CLIs.

 

Now for speculation.  Everyone (without serious baddies) seems to get the $500 at the 6 month mark if you request it.

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Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
0

Re: Discover CLI's


flowfaster wrote:

I have had 2 CLI and both have been soft pulls.  The first one was at 6 months for $500 and the next one was for $3000 at the 1 year mark.  So Discover can give some pretty nice soft CLIs.

 

Now for speculation.  Everyone (without serious baddies) seems to get the $500 at the 6 month mark if you request it.


So should I let it go past 6 months and see if I get an auto?

 




EQ FICO 548 3/3/16

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