topic Re: 1st 4-figure Discover CLI the Hard Way in Credit Card Approvals

1st 4-figure Discover CLI the Hard Way

SouthJamaica — Thu, 21 Jul 2016 14:28:39 GMT

Ever since I got my Discover card 17 months ago I've been locked into frequent, but tiny, luv button credit limit increases, each either $300 or $500.

Today I got another one, $300.

So I called the CLI recon number which baller4life told us about. The rep told me the only way they could do better would be if they took a hard pull and a manual review.

Just to clear up my logjam with Discover, I gave her the go ahead for a hard pull.

She put me on hold for awhile, and when she came back added an additional $1000 to my limit.

Was it worth a HP? Yes if it means future CLI's will be better, no if future CLI's are like the past ones.

Re: 1st 4-figure Discover CLI the Hard Way

CreditCuriosity — Thu, 21 Jul 2016 14:35:17 GMT

Congrats on your small SP CLI and your HP CLI.. Personally 1k isn't worth it for me, but each person is different. If you are happy with it than that is what is important.

Re: 1st 4-figure Discover CLI the Hard Way

SouthJamaica — Thu, 21 Jul 2016 14:42:28 GMT

@CreditCuriousity wrote:
Congrats on your small SP CLI and your HP CLI.. Personally 1k isn't worth it for me, but each person is different. If you are happy with it than that is what is important.

I'll be satisfied with having taken the HP if and only if it removed my small-CLI barrier. If they revert to small CLI's I'll feel it was a wasted HP.

Re: 1st 4-figure Discover CLI the Hard Way

baller4life — Thu, 21 Jul 2016 14:53:18 GMT

Congratulations South. Odd they wanted a hp. They gave me more with just a sp.

Re: 1st 4-figure Discover CLI the Hard Way

SouthJamaica — Thu, 21 Jul 2016 14:55:02 GMT

@baller4life wrote:
Congratulations South. Odd they wanted a hp. They gave me more with just a sp.

You're a lot more personable than I am

Re: 1st 4-figure Discover CLI the Hard Way

B335is — Thu, 21 Jul 2016 14:59:50 GMT

Congrats! I was due for my 91 day CLI and they asked to do a HP so I declined.

Re: 1st 4-figure Discover CLI the Hard Way

redpat — Thu, 21 Jul 2016 15:03:57 GMT

With a 194k in CL I would have to say it was a waste of a HP.

I'm just wondering why needing a CLI from discover was so important it seems you have enough limits with all your other cards.

Also, 1k could be a sign that you have peaked with open credit.

Good luck.

Re: 1st 4-figure Discover CLI the Hard Way

Anonymous — Thu, 21 Jul 2016 15:07:21 GMT

Congratulations!

Re: 1st 4-figure Discover CLI the Hard Way

Anonymous — Thu, 21 Jul 2016 15:16:11 GMT

Congrats on your CLI success OP!

Re: 1st 4-figure Discover CLI the Hard Way

SouthJamaica — Thu, 21 Jul 2016 15:29:47 GMT

@redpat wrote:
With a 194k in CL I would have to say it was a waste of a HP.

I'm just wondering why needing a CLI from discover was so important it seems you have enough limits with all your other cards.

Also, 1k could be a sign that you have peaked with open credit.

Good luck.

baller4life got me interested in playing the Discover gravy train game it's as simple as that... no other reason

Re: 1st 4-figure Discover CLI the Hard Way

redpat — Thu, 21 Jul 2016 15:43:35 GMT

@SouthJamaica wrote:
@redpat wrote:
With a 194k in CL I would have to say it was a waste of a HP.

I'm just wondering why needing a CLI from discover was so important it seems you have enough limits with all your other cards.

Also, 1k could be a sign that you have peaked with open credit.

Good luck.
baller4life got me interested in playing the Discover gravy train game it's as simple as that... no other reason

My bad I guess, I didn't know a "gravy train" included HPs. I thought they were free rides(SP), lol!

Re: 1st 4-figure Discover CLI the Hard Way

baller4life — Thu, 21 Jul 2016 16:14:10 GMT

Gravy train was all sp clis. South I wouldn't have taken a hp if they couldn't give you more without one. Discover has a rep for not giving clis worth a hp. Let's hope it puts you on track for higher sp clis in the future.

ETA: I do understand your logic of doing so.

Re: 1st 4-figure Discover CLI the Hard Way

SouthJamaica — Thu, 21 Jul 2016 15:50:32 GMT

@redpat wrote:
@SouthJamaica wrote:
@redpat wrote:
With a 194k in CL I would have to say it was a waste of a HP.

I'm just wondering why needing a CLI from discover was so important it seems you have enough limits with all your other cards.

Also, 1k could be a sign that you have peaked with open credit.

Good luck.
baller4life got me interested in playing the Discover gravy train game it's as simple as that... no other reason

My bad I guess, I didn't know a "gravy train" included HPs. I thought they were free rides(SP), lol!

As I said in above posts I took the HP on the chance that it would get me unstuck from the low-CLI rut I was in with them and get me on the 'gravy train'.

If it doesn't work, it will not have been worth it to me. If it does work, it will have been worth it to me.

Re: 1st 4-figure Discover CLI the Hard Way

baller4life — Thu, 21 Jul 2016 15:52:35 GMT

Here's to hoping you get $4k+ sp clis in the future. With your high TU I am really surprised they have been so stingy with you!

Re: 1st 4-figure Discover CLI the Hard Way

SouthJamaica — Thu, 21 Jul 2016 16:58:05 GMT

@baller4life wrote:
Here's to hoping you get $4k+ sp clis in the future. With your high TU I am really surprised they have been so stingy with you!

Thanks, baller, me too. Maybe they didn't know that I know you

Re: 1st 4-figure Discover CLI the Hard Way

baller4life — Thu, 21 Jul 2016 17:40:36 GMT

@SouthJamaica wrote:
@baller4life wrote:
Here's to hoping you get $4k+ sp clis in the future. With your high TU I am really surprised they have been so stingy with you!
Thanks, baller, me too. Maybe they didn't know that I know you

Re: 1st 4-figure Discover CLI the Hard Way

CreditMagic7 — Thu, 21 Jul 2016 19:34:28 GMT

Well for better or worse it doesn't matter anyway now.

They pulled, you were approved, and that's that.

Congrats! SJ

Re: 1st 4-figure Discover CLI the Hard Way

SouthJamaica — Thu, 21 Jul 2016 19:38:20 GMT

@CreditMagic7 wrote:
Well for better or worse it doesn't matter anyway now.

They pulled, you were approved, and that's that.

Congrats! SJ

Thanks CM

Re: 1st 4-figure Discover CLI the Hard Way

RonM21 — Thu, 21 Jul 2016 20:46:51 GMT

Congrats on your increase. But SJ, I'm curious what your limit is, or if it'very high already? I just wonder because your scores certainly don't appear to be the issue.

Re: 1st 4-figure Discover CLI the Hard Way

Pway — Thu, 21 Jul 2016 21:16:10 GMT

Congrats on the increase.