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Valued Member
Posts: 42
Registered: ‎08-07-2012
0

Re: Discover more cli

I don't have any idea about AU contributing to util. But I would say you are lucky enough to get away with 1K CLI with 50-60% util and with 850 balance...:-)

Do you see any HP (for this CLI) in your report?



Scores: 723 (EX CITI Pull 11/09/13), 669 (CK 11/21/13), 680 (EQ Duck Card Score 11/11/13) 664 (Walmart TU FICO Nov '13)
Duck Card - 12K | Amex BCE - 2K | Amex Costco - 1.2K | CITI TY Pref - 6.5K | Chase Freedom - 3K | DCU Visa - 5K | Genisys CU Visa - 2K | Discover More - 4.5K | Cap1 Q Silver - 1500 | Cap One Hassle Free - 1500 | Amazon Store - 1900 | Walmart Store - 800 | Kohls - 300 | Macys - 800
Frequent Contributor
Posts: 345
Registered: ‎08-12-2011
0

Re: Discover more cli

 If it is on credit karma I will see it tomorrow or soon. I am not sure if it will show up there. Do you know if it will? 

Valued Member
Posts: 42
Registered: ‎08-07-2012
0

Re: Discover more cli

It depends on which bureau they pulled. If they pulled on TU, you will for sure see it on CK. If they pulled on EQ, you might get an alert in myfico scorewatch if you are subscribed to. I don't know about EX though; Credit sesame gives us EX score but I don't remember seeing any inq counts there.



Scores: 723 (EX CITI Pull 11/09/13), 669 (CK 11/21/13), 680 (EQ Duck Card Score 11/11/13) 664 (Walmart TU FICO Nov '13)
Duck Card - 12K | Amex BCE - 2K | Amex Costco - 1.2K | CITI TY Pref - 6.5K | Chase Freedom - 3K | DCU Visa - 5K | Genisys CU Visa - 2K | Discover More - 4.5K | Cap1 Q Silver - 1500 | Cap One Hassle Free - 1500 | Amazon Store - 1900 | Walmart Store - 800 | Kohls - 300 | Macys - 800
Established Contributor
Posts: 985
Registered: ‎09-10-2012
0

Re: Discover more cli

Congrats on the increase! I'm also curious, when they told you your debt, is that what is showing you owe on all accounts or how much credit you have available to you?
TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Discover more cli


snowkitty wrote:
Congrats on the increase! I'm also curious, when they told you your debt, is that what is showing you owe on all accounts or how much credit you have available to you?

I was wondering that too! They don't like to increase if they see how close you are to your limit. 'm not eligible to request a increase right now...I can certainly request a decrease tho. LOL.

 

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Discover more cli

Congrats

Frequent Contributor
Posts: 345
Registered: ‎08-12-2011
0

Re: Discover more cli

The cli was a hard pull it showed up on ckSmiley Sad

Frequent Contributor
Posts: 311
Registered: ‎07-18-2011
0

Re: Discover more cli

I received my Discover More last October and this past April received an auto increase of $1K. I received a random phone call on the train home from work one day. The rep asked me about my credit history, I answered a few questions and boom. It was very painless. She actually said she would have given me more but since my credit accounts were still relatively new she couldn't. I was very pleased regardless. Auto CLI's, to me, are an acknowledgment that all of my rebuilding efforts have paid off.
Valued Member
Posts: 39
Registered: ‎08-20-2010
0

Re: Discover more cli

Got an auto increase a couple days ago myself after having the card for a little over two years now.  No call, just a letter in the mail.

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Established Contributor
Posts: 657
Registered: ‎06-27-2012
0

Re: Discover more cli

Nice cli's I want a cli so bad before the 6th so i can take advantage of the 2 percentant cash back.  want to buy a laptop but 1k won't cut it.  had the card for 3 mo's, want to ask but i think they won't even bother with the request cause acc is to young *sigh*.

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k

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