Credit Cards Center Credit cards from our partners
Valued Contributor
Posts: 1,157
Registered: ‎05-21-2008

So Discover likes activity, huh? (CLI)

I've had my Discover More card for almost 20 months, and it's limit has stayed the same.  Of course for a year and a half it was left in the sock drawer.  Well a couple months ago out of necessity I put a $600 balance on there and carried it for two months and just paid it off 2 weeks ago and have been using the card for purchases since. 


I was getting down reading about people getting CLIs and realized that I haven't gotten a CLI for two years on ANY card, lol.  But I've never requested a CLI in my life, so I decided to go login to Discover and request a CLI.  Low and behold, when I login to my account I got my first auto CLI out of Discover after 19 months.  They added $600 when my last statement cut on the 17th.  It's pretty meager, but I don't need any more credit than I have, and they were already tied with Chase for my highest balance ($3000), and at the time of my original app, my highest limit was $2500, which they exceeded.  Now they're holding true to form and reclaiming the highest limit in my wallet, or... sockdrawer. 


Moral of the story is, Discover seems to be really good about taking a risk and exceeding your highest limit.  I think $3600 is the most I can ask for on a student's income of ~$20k Smiley Happy  My Discover card bumped chase freedom to the sockdrawer due to their excellent customer service and customer loyalty that I've experienced, even though freedom's rewards are slightly better.

Starting Score: EQ: 665 - TU: 687
Current Score: EQ: 749 - TU: ---
Goal Score: EQ: 760 - TU: 760

Take the FICO Fitness Challenge
New Contributor
Posts: 80
Registered: ‎10-09-2009

Re: So Discover likes activity, huh? (CLI)

Congrats on your CLISmiley Wink 

Valued Contributor
Posts: 2,708
Registered: ‎10-16-2008

Re: So Discover likes activity, huh? (CLI)

Congratulations, thrasher865!  Discover is a great card, and it sounds as if you treated them right, so they returned the favor.


(I melted the plastic on mine this month from heavy usage, hope they'll appreciate me, too!)




Valued Contributor
Posts: 1,413
Registered: ‎04-18-2008

Re: So Discover likes activity, huh? (CLI)



On a similar note, I have put a lot of money through them these last few weeks and I too hope they return the favor. Next month is my 1 year anniversary as well.

Moderator Emerita
Posts: 28,098
Registered: ‎04-01-2007

Re: So Discover likes activity, huh? (CLI)

Congrats! --and don't forget to update your lenders when you go full-time and escape endless student-hood. That will cheer them up, too.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Regular Contributor
Posts: 246
Registered: ‎06-02-2008

Re: So Discover likes activity, huh? (CLI)

[ Edited ]
congratulations on your automatic credit limit increase.
Message Edited by Nonaii on 12-04-2009 06:33 AM

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.