topic Re: 3rd CLI on Discover in 32 days in Credit Card Approvals

3rd CLI on Discover in 32 days

epsilon — Mon, 06 Apr 2015 23:55:57 GMT

After statement closing day i got auto increase $3100>$4000, then hit luv button $4000>$5500, yesterday statement closed, today i hit luv button again $5500>$9000. I cannot belive it, i go no increase since 2012 till last month.

Re: 3rd CLI on Discover in 32 days

Creditwiser — Mon, 06 Apr 2015 23:58:52 GMT

WOW !

Re: 3rd CLI on Discover in 32 days

Anonymous — Tue, 07 Apr 2015 00:05:58 GMT

@epsilon wrote:
After statement closing day i got auto increase $3100>$4000, then hit luv button $4000>$5500, yesterday statement closed, today i hit luv button again $5500>$9000. I cannot belive it, i go no increase since 2012 till last month.

Wow thats unreal.... congrats on your CLI

Re: 3rd CLI on Discover in 32 days

Deltadog03 — Tue, 07 Apr 2015 00:06:39 GMT

Speechless...lol

Re: 3rd CLI on Discover in 32 days

Anonymous — Tue, 07 Apr 2015 00:10:21 GMT

@epsilon wrote:
After statement closing day i got auto increase $3100>$4000, then hit luv button $4000>$5500, yesterday statement closed, today i hit luv button again $5500>$9000. I cannot belive it, i go no increase since 2012 till last month.

Congrats on your CLIs!!!! Question... Are you currently carrying a balance on your Discover credit card? Thanks in advance for the information!!!

Re: 3rd CLI on Discover in 32 days

sarahlee7 — Tue, 07 Apr 2015 00:16:42 GMT

Dang....that is pretty flippin' amazin'.

Re: 3rd CLI on Discover in 32 days

gdale6 — Tue, 07 Apr 2015 00:19:42 GMT

@epsilon wrote:
After statement closing day i got auto increase $3100>$4000, then hit luv button $4000>$5500, yesterday statement closed, today i hit luv button again $5500>$9000. I cannot belive it, i go no increase since 2012 till last month.

Grats on all the increases

Re: 3rd CLI on Discover in 32 days

epsilon — Tue, 07 Apr 2015 00:21:08 GMT

@beautifulblaquepearl wrote:
@epsilon wrote:
After statement closing day i got auto increase $3100>$4000, then hit luv button $4000>$5500, yesterday statement closed, today i hit luv button again $5500>$9000. I cannot belive it, i go no increase since 2012 till last month.
Congrats on your CLIs!!!! Question... Are you currently carrying a balance on your Discover credit card? Thanks in advance for the information!!!

Yes I was carrying balance all the time over 90 % thats why i couldnt get CLI in 3 years, i paid in January more than 50 %, last month after second increase i gave a shot Discover IT, they turned me down, called for recon they offered 1 year 0 % BT APR in existing Discover card, i tooked it again my utilization jumped to 89 % last week. Btw my TU FICO score on Discover site was 2/27 was 671, yesterdays statement was 720.

Re: 3rd CLI on Discover in 32 days

Anonymous — Tue, 07 Apr 2015 00:29:12 GMT

@epsilon wrote:
@beautifulblaquepearl wrote:
@epsilon wrote:
After statement closing day i got auto increase $3100>$4000, then hit luv button $4000>$5500, yesterday statement closed, today i hit luv button again $5500>$9000. I cannot belive it, i go no increase since 2012 till last month.
Congrats on your CLIs!!!! Question... Are you currently carrying a balance on your Discover credit card? Thanks in advance for the information!!!
Yes I was carrying balance all the time over 90 % thats why i couldnt get CLI in 3 years, i paid in January more than 50 %, last month after second increase i gave a shot Discover IT, they turned me down, called for recon they offered 1 year 0 % BT APR in existing Discover card, i tooked it again my utilization jumped to 89 % last week. Btw my TU FICO score on Discover site was 2/27 was 671, yesterdays statement was 720.

Okay. Thanks for the information! Your story sounds similar to another post I read earlier today. That person was at 70% utilization and was now getting CLIs. I believe they had a Discover It like me.

Re: 3rd CLI on Discover in 32 days

Anonymous — Tue, 07 Apr 2015 01:46:30 GMT

Congrats! Not comfortable carrying a balance over 20% on this card but I'll hit the button again after Aprils statement closes and see what happens. Worse they can say is no

Re: 3rd CLI on Discover in 32 days

uswala — Tue, 07 Apr 2015 02:32:08 GMT

Congrats on the CLI!

Re: 3rd CLI on Discover in 32 days

MissMoni223 — Tue, 07 Apr 2015 14:31:37 GMT

WoW, apparently Discover LOVES you, CONGRATS!!!

Re: 3rd CLI on Discover in 32 days

Anonymous — Tue, 07 Apr 2015 16:05:34 GMT

AMAZING! Congratulations!

Re: 3rd CLI on Discover in 32 days

Anonymous — Tue, 07 Apr 2015 16:09:08 GMT

You motivated me to try for another one. They just bumped me up to 13.5k last week. My statement cut this morning. Instant denial! Oh well, I am more than happy with 13.5 haha.

Congrats on your success!

Re: 3rd CLI on Discover in 32 days

epsilon — Wed, 08 Apr 2015 04:49:06 GMT

@Anonymous wrote:
You motivated me to try for another one. They just bumped me up to 13.5k last week. My statement cut this morning. Instant denial! Oh well, I am more than happy with 13.5 haha.

Congrats on your success!

I forgot to tell before i received last CLI, i asked one just one week ago, instant denial, i got the letter, they are pulling exactly same TU FICO what it shows on statement, i think there is no big jump like mine( 671>720), i think we shouldnt expect increase. Anyway i will try again after next statement cut

Re: 3rd CLI on Discover in 32 days

blunderer — Wed, 08 Apr 2015 05:08:25 GMT

Congrats on your multiple CLI.

That's awesome!!!

Re: 3rd CLI on Discover in 32 days

JSS3 — Wed, 08 Apr 2015 12:25:54 GMT

@Anonymous wrote:
You motivated me to try for another one. They just bumped me up to 13.5k last week. My statement cut this morning. Instant denial! Oh well, I am more than happy with 13.5 haha.

Congrats on your success!

Did they say they cannot grant an increase or that the request is under review?

Re: 3rd CLI on Discover in 32 days

Anonymous — Wed, 08 Apr 2015 12:52:33 GMT

Great results! Didn't realize Discover could grow that quick.

Re: 3rd CLI on Discover in 32 days

Anonymous — Thu, 09 Apr 2015 02:20:27 GMT

It does happen! In late Feb, Discover raised my limit from $1K to $2.5K after keeping it at 1K for a year. Today, they raised it again from $2.5K to $4K! Makes me love them even more now! It's not 3 CLIs, but the CL is 4 times higher than it was a little over a month ago!

My CK is around 760 and Discover FICO is around 770 - the credit utilization on my Discover has been hovering around 25%, but I did use it to make a fairly large purchase in March (a $1200 Macbook Pro Retina 13" from Best Buy) and paid it off right away.

Re: 3rd CLI on Discover in 32 days

Anonymous — Thu, 09 Apr 2015 02:49:13 GMT

Congrats. That last increase was pretty substantial!

Btw I was motivated by your post to try with my account... Opened the account in October of last year, and got a $1k increase via luv button in early Feb (before 6-month mark). Hit the luv button again on March 20th, but received a letter stating they weren't able to grant CLI because of insufficient experience with current credit limit. Just tried now and got another $1k. Discover is definitely weird! They instantly denied me for the IT, and 2-3 weeks later when I applied again, they instantly approved me using the exact same credit report... I think you really have to show them you want something before they give it to you. haha.