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Valued Contributor
scottwagnon
Posts: 1,344
Registered: ‎02-07-2010
0

discover CLI :) Update

[ Edited ]

first cli without a hard pull :smileyhappy:

discover card changes.jpg

 

awsome! update....

cli discover 8000.jpg

 

this is the first cli that was offered to me online. this is also the largest cli from discover. in fact, i was be conservative and perhaps asked for a larger credit line.

 

EX BankCard 8 FICO 820 (250-900) 04/08/14
TU FICO 806 (350-850) 04/10/14
EX VT 3.0 805 (300-850) TU VT 2.0 891 (501-990)
Credit.com score 798 (300 - 850) TU transrisk 772
card line up here: http://ficoforums.myfico.com/t5/Credit-Cards/How-Many-Credit-Cards-Do-YOU-have/m-p/1034512#M290859
Valued Contributor
smc733
Posts: 1,262
Registered: ‎05-13-2010
0

Re: discover CLI :)

Just curious, how come your cash line has never increased?  My cash line has always increased as 1/2 of my total CL with Discover.

Established Contributor
aussiesareforever
Posts: 741
Registered: ‎10-04-2010
0

Re: discover CLI :)

Congrats :smileyhappy:

BK in 2008, after making very stupid financial decisions.

Barclay's Apple Financing Card ($6400) --- Capital One Quicksilver ($10,000)---GEMB CareCredit ($5700) --- AUFCU ($10000)--- Walmart ($5000)

FICO Scores: TU 735 EQ 709 EX 740 (Feb 2013, all pulled by lender)

Established Contributor
dyv8914
Posts: 825
Registered: ‎12-28-2011
0

Re: discover CLI :)

nice! what was the CL before?

Valued Contributor
scottwagnon
Posts: 1,344
Registered: ‎02-07-2010
0

Re: discover CLI :)


smc733 wrote:

Just curious, how come your cash line has never increased?  My cash line has always increased as 1/2 of my total CL with Discover.



yes. i know. it went from 300 to 500 a day or two after my first increase last year. it may increase again in a couple of days. i guess it is because i don't ask for cash cli at the time of my request.

 

you and i are in the same boat; be both have the same goals here. :smileyhappy:

EX BankCard 8 FICO 820 (250-900) 04/08/14
TU FICO 806 (350-850) 04/10/14
EX VT 3.0 805 (300-850) TU VT 2.0 891 (501-990)
Credit.com score 798 (300 - 850) TU transrisk 772
card line up here: http://ficoforums.myfico.com/t5/Credit-Cards/How-Many-Credit-Cards-Do-YOU-have/m-p/1034512#M290859
Valued Contributor
scottwagnon
Posts: 1,344
Registered: ‎02-07-2010
0

Re: discover CLI :)

credit limit was 2500 at account opening on sept. 24 2010. went to 4000 with hard pull on july 8 2011. today its 5500. so 1500 each time. i also lowered my standard purchase apr today from 18.24 to 16.24. :smileyhappy:

EX BankCard 8 FICO 820 (250-900) 04/08/14
TU FICO 806 (350-850) 04/10/14
EX VT 3.0 805 (300-850) TU VT 2.0 891 (501-990)
Credit.com score 798 (300 - 850) TU transrisk 772
card line up here: http://ficoforums.myfico.com/t5/Credit-Cards/How-Many-Credit-Cards-Do-YOU-have/m-p/1034512#M290859
Valued Contributor
scottwagnon
Posts: 1,344
Registered: ‎02-07-2010
0

Re: discover CLI :)

bump

EX BankCard 8 FICO 820 (250-900) 04/08/14
TU FICO 806 (350-850) 04/10/14
EX VT 3.0 805 (300-850) TU VT 2.0 891 (501-990)
Credit.com score 798 (300 - 850) TU transrisk 772
card line up here: http://ficoforums.myfico.com/t5/Credit-Cards/How-Many-Credit-Cards-Do-YOU-have/m-p/1034512#M290859
Valued Contributor
trumpet-205
Posts: 2,494
Registered: ‎11-11-2010
0

Re: discover CLI :) Update

I'm so confused, they couldn't approve the full amount but gave you $2,500 CLI anyway?

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: discover CLI :) Update

Congrats

Valued Contributor
scottwagnon
Posts: 1,344
Registered: ‎02-07-2010
0

Re: discover CLI :) Update


trumpet-205 wrote:

I'm so confused, they couldn't approve the full amount but gave you $2,500 CLI anyway?


everyone that gets approved gets this message. it is a generic message, knowing that most people will ask for a larger credit limit then they are willing to approve usually. i know its stupid, but thats how they do it. i wanted to be conservative about the limit to ask for, so they approved the whole amount.

EX BankCard 8 FICO 820 (250-900) 04/08/14
TU FICO 806 (350-850) 04/10/14
EX VT 3.0 805 (300-850) TU VT 2.0 891 (501-990)
Credit.com score 798 (300 - 850) TU transrisk 772
card line up here: http://ficoforums.myfico.com/t5/Credit-Cards/How-Many-Credit-Cards-Do-YOU-have/m-p/1034512#M290859

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