topic Re: $4,500 Discover CLI! in Credit Card Approvals

$4,500 Discover CLI!

Anonymous — Thu, 12 Nov 2015 02:22:19 GMT

Whoa! After dithering about it for a while, and reading a ton of stuff about the likelihood of Discover requiring a HP for a CLI request, I went ahead and did it... and they offered me a $4,500 increase, from $6,000 to $10,500! I'll know for sure tomorrow if it was a SP or HP, but since the site specifically said they'd request another approval before doing a HP, it looks like it was soft-pull only. I don't need the increase for anything specific right now, but I'm kind of excited about my first credit limit over $10k, and I'm hoping that helps get me some solid starting lines on new apps going forward. Hooray for Discover!

Re: $4,500 Discover CLI!

Anonymous — Thu, 12 Nov 2015 02:23:41 GMT

Good job, but you should have posted in the approval section.

Re: $4,500 Discover CLI!

Anonymous — Thu, 12 Nov 2015 02:28:13 GMT

Oops--thought that's what I was doing, that's what I get for having multiple tabs open.

Re: $4,500 Discover CLI!

CreditMagic7 — Thu, 12 Nov 2015 02:34:52 GMT

Been noticing this a lot with peeps that have a fairly strong TU.

Do you know yours?

Congrats! on the very nice CLI!

Re: $4,500 Discover CLI!

Anonymous — Thu, 12 Nov 2015 02:35:29 GMT

Cool! Nice cli!

Re: $4,500 Discover CLI!

Anonymous — Thu, 12 Nov 2015 02:35:52 GMT

What's your TU score

Re: $4,500 Discover CLI!

Anonymous — Thu, 12 Nov 2015 02:54:55 GMT

Thanks! TU is 765 as of 10/11.

More datapoints: this card started at $5,000 13 months ago, auto-CLI to $5,500 at 6 months and again to $6,000 at 9 months. I was hoping for/expecting another auto-CLI at 12 months, but then again my use has seriously decreased recently since the 5% bonus categories haven't matched up well with my spending. My TU has gone down about 30 points since opening the card (I blame decreased AAoA), but I also had a very thin file at that point.

Re: $4,500 Discover CLI!

Anonymous — Thu, 12 Nov 2015 02:43:30 GMT

Very nice! Congrats 🎉🎈

Re: $4,500 Discover CLI!

CreditMagic7 — Thu, 12 Nov 2015 03:31:17 GMT

Thanks again for sharing.

One BIG data point we keep seeing over and over again as mentioned is that Discover seems is really bolstering up nice CLI's even better on strong TU scores.

Re: $4,500 Discover CLI!

Anonymous — Thu, 12 Nov 2015 06:42:10 GMT

Congrats on your approval!! If it was a HP, you would know because there's another page between request and approval page.

Re: $4,500 Discover CLI!

B335is — Thu, 12 Nov 2015 07:03:50 GMT

Congrats!!

Re: $4,500 Discover CLI!

Anonymous — Thu, 12 Nov 2015 07:53:31 GMT

Nice cli congratulations

Re: $4,500 Discover CLI!

Anonymous — Thu, 12 Nov 2015 11:12:28 GMT

Congrats

Re: $4,500 Discover CLI!

Anonymous — Thu, 12 Nov 2015 11:33:23 GMT

Congrats!

Re: $4,500 Discover CLI!

NRB525 — Thu, 12 Nov 2015 13:23:32 GMT

Congratulations!

Is your siggy up to date? 4 cards total?

Re: $4,500 Discover CLI!

Jerry45 — Thu, 12 Nov 2015 13:28:50 GMT

Congrats!!

Re: $4,500 Discover CLI!

Country_Feller — Thu, 12 Nov 2015 14:21:45 GMT

Congratulations!!!!

Re: $4,500 Discover CLI!

OmarGB9 — Thu, 12 Nov 2015 14:25:31 GMT

Grats

Re: $4,500 Discover CLI!

Anonymous — Thu, 12 Nov 2015 14:44:01 GMT

@NRB525 wrote:
Congratulations!

Is your siggy up to date? 4 cards total?

Thanks! Yep--those 4 are the only open cards, plus 2 older closed-by-consumer accounts that are still bolstering my reports. I'm currently sitting tight while I consider long-term strategy and decide if I want to apply for a CSP or Freedom before 5/24 starts being a problem.

Re: $4,500 Discover CLI!

Anonymous — Thu, 12 Nov 2015 15:07:15 GMT

@beautifulblaquepearl wrote:
Congrats on your approval!! If it was a HP, you would know because there's another page between request and approval page.

Thanks! I figured re: HP, but I also never trust banks to act transparently... skepticism or paranoia on my part, depending on how you look at it