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Mega Contributor
Posts: 15,442
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.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
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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
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Mega Contributor
Posts: 15,442
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

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
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
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Regular Contributor
Posts: 369
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: 03/2015 - TU 768 | EQ 783 | EX 775

FNBO 15,100 | Barclays / Sallie Mae World MC 13,000 | Lowes 10,000 | LOC 9,300 | Amex BCP 7,200 | BOA Platinum+ 6,000 | Amex SPG 5,700 | Achieva CU 5,500 | Discover IT 5,500 | Citi Simplicity 5,200 | Chase CSP 5,000 | Sam's Club 3,000 | Sears 900
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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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.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Regular Contributor
Posts: 369
Registered: ‎02-01-2010
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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: 03/2015 - TU 768 | EQ 783 | EX 775

FNBO 15,100 | Barclays / Sallie Mae World MC 13,000 | Lowes 10,000 | LOC 9,300 | Amex BCP 7,200 | BOA Platinum+ 6,000 | Amex SPG 5,700 | Achieva CU 5,500 | Discover IT 5,500 | Citi Simplicity 5,200 | Chase CSP 5,000 | Sam's Club 3,000 | Sears 900
Mega Contributor
Posts: 15,442
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.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
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: 15,442
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?

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
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