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FINALLY a CLI from Discover

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MrChairman
Established Contributor

FINALLY a CLI from Discover

I haven't used my Discover card in forever. I just recently started to make a dent in the $1800 balance I had on the card. And today out of nowhere I get a call from an account specialist. I apped for a CLI in Feb but was denied due to high revolving balances. So after explaining the high util the girl gave me a 1K CLI. This is my first increase since I got the card which was a little over 2 yrs ago. My CL now sits at 3K and hopefully later on this year when I pay down some more debt I can get to that magical 5k limit I been aiming for atleast one card.


Starting Score:TransUnion: 698 (12 FEB 2010), Equifax: 674 (12 FEB 2010)
Current Score (Lender Pulled):TransUnion: 684 (12 SEP 2016), Equifax: 696 (12 SEP 2016), Experian: 679 (12 SEP 2016)
Goal Score:All scores All scores at least 700+ by December 2017!!

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hateAshbury
Regular Contributor

Re: FINALLY a CLI from Discover

took me forever to get an increase from $500 to $1,500

of course, my credit sucked for most of forever (is now fair and improving)


Starting Score: 653 (11/1/2011 TransUnion)
Current Score: 719 (5/3/2012 TransUnion) 572 (3/21/2012 Equifax) 762 (4/14/12 VantageScore)
Goal Score: 700


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webhopper
Moderator Emeritus

Re: FINALLY a CLI from Discover

Discover gave me all my CLIs after revolving a balance and then paying it down quickly.
2006/ 1200 CL
2007/ 1600 CL
2008/ 2400 CL
2010/ 3500 CL
2011/4200 CL

Hoping to break 5k on discover in 2012
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 3 of 5
hateAshbury
Regular Contributor

Re: FINALLY a CLI from Discover

by "revolving a balance" do you mean your balance is some postiive amount when your statement is cut, which you then pay in full? Are you paying finance charges (i.e. interest?)


Starting Score: 653 (11/1/2011 TransUnion)
Current Score: 719 (5/3/2012 TransUnion) 572 (3/21/2012 Equifax) 762 (4/14/12 VantageScore)
Goal Score: 700


Take the FICO Fitness Challenge
Message 4 of 5
andyaycw
Frequent Contributor

Re: FINALLY a CLI from Discover

The rule of thumb is that Discover likes to see useage. Let the statement post a balance and then PIF. There is no need to carry a balance and pay unnecessary interest.

 

Let six (6) consecutive statements post with a balance and then call in and request a CLI.


Starting Score: EQ 773, TU 766
Current Score (2/25/2017): EX 813, EQ 823, TU 818
Goal Score: 800


Take the FICO Fitness Challenge
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