topic Re: 18K+ of CLI from Disco in 4 months in Credit Card Approvals

18K+ of CLI from Disco in 4 months

austinguy907 — Fri, 03 Feb 2017 18:20:12 GMT

So, those that follow what I've been doing on here with Disco since getting the card know I've been trackiing them and coming up with a formula of sorts on the best CLI strategy. Since August of last year I switched from hyper hitting the CLI button to an every other month approach which has yielded better results. I thought this might be a fluke of some sort with them approving something for 6K instead of 3-4K/CLI. Well, after the first 6K I went and did my CLI for Dec and sure enough they did 6K again and even after my call rounded out my CL to 42000 instead of 41600 which was an OCD thing having the odd ending number. Anyway, Feb rolls around and finally putting them to the test hit the button again and bam 2-day like usual and it shows up this morning with 48K.

8/1/2016	Manual CLI (2 Day Message)	$29,600	$4,000
10/1/2016	Manual CLI (2 Day Message)	$35,600	$6,000
12/1/2016	Manual CLI (2 Day Message)	$42,000	$6,400
2/1/2017	Manual CLI (2 Day Message)	$48,000	$6,000

If you've followed my 1st year post about Disco you see several entries where there wasn't a CLI while hitting the button frequently. Finally switching to the every other month method has stopped the blank entries as well. If this continues for 2017 and beyond this card will just explode into a new stratosphere for a CL.

And as some say around here, If there's not a picture of it, it didn't happen.

Re: 18K+ of CLI from Disco in 4 months

AverageJoesCredit — Fri, 03 Feb 2017 19:00:20 GMT

Awesome approval Austinguy! Glad the 3ton Disco train keeps landing on your doorstep How high are you hoping it goes or are you just gonna let it go til it pops( poi).

Re: 18K+ of CLI from Disco in 4 months

Ysettle4 — Fri, 03 Feb 2017 19:27:12 GMT

Wow. Now, that's growth! Wish my discover grew like this. It's going to get SD'd here soon.

Re: 18K+ of CLI from Disco in 4 months

Anonymous — Fri, 03 Feb 2017 19:37:31 GMT

Im in the same boat. Discover hates me... I havent gotten a CLI since the first week of November and got a losey $500 increase...

Re: 18K+ of CLI from Disco in 4 months

Anonymous — Fri, 03 Feb 2017 19:58:49 GMT

Congrats austinguy, that is awesome!!

@ Sean60099, your increases from Disco put you in the rock-star category compared to me lol!! Discover gives me $200-300 at a time but it's all good. At this rate, I'll have a $5K CL by 2030 lol!!

Chapter 7: Discharged November 2015
Total Revolving Credit Lines January 2016: $2600
Total Revolving Credit Lines January 2017: $148K
11/15 Fico 8: EQ-585, TU-550, EX- 551
01/17 Fico 8: EQ-695, TU-703, EX-673
Advantis CU Siggy Visa $25K, NFCU Cash Rewards Visa $4600> $22K, NFCU CLOC $15K, NFCU Go Rewards Visa $5,500, PenFed Promise Visa $10,500, PenFed Platinum Rewards Siggy Visa $5500, Redi+ Siggy Visa $5K, SPGVisa $4,500>$5250, Cap One Platinum $2K>$4K, Cap One Quicksilver $3K, Good Sam Visa $1800, Discover $1800>$2K>$2300, Lowe's $6K>$17K, Overstock $7K>$7300>$7700, Evine $1K>$5K, HSN $3750, PenFed Thrifty $500, That's right...Credit One Visa is G-O-N-E!

Re: 18K+ of CLI from Disco in 4 months

austinguy907 — Fri, 03 Feb 2017 20:05:20 GMT

AJC - once you get rid of that little blemish yours should be growing as well again.

Ysettle - just make sure you're putting something on it every month while it's in the SD like netflix, hulu, cell phone, electric bill.. .autopay the statement balance and hit the button every 2-3 months and it should take off eventually.

Sean - $500 isn't the best but, it's better than nothing. Just keep at it and you'll find some success eventually. If you really want to jumpstart things you can call Lending and take a HP for whatever amount you want it to be and if it's too high they'll counter back with what they're comfortable with.

Everyone just needs to show Disco some love and they'll return the favor eventually. Just keep working on it and eventually the floodgates open with tons of luv. I've seen posts of 15K auto CLI's but, mostly the high watermark for manual CLI's is 6-8K. I guess I'm stuck in the 6K bucket for now and they're right on the heels of AMEX now by only 2K in stepping up to their limit. It's been an amazing journey since popping the question for both AMEX / Disco 7/2015 and watching them blossom since then. Not apping and letting things age has allowed them to grow considerably. Some mention Disco likes to be your primary and not having too many accounts to compete with. I have a total of 10 accounts at this point and they're all well aged besides these two. It seems quality over quantity is at work here when it comes to scoring and growth.

Re: 18K+ of CLI from Disco in 4 months

Ysettle4 — Fri, 03 Feb 2017 20:43:58 GMT

@austinguy907 wrote:
AJC - once you get rid of that little blemish yours should be growing as well again.

Ysettle - just make sure you're putting something on it every month while it's in the SD like netflix, hulu, cell phone, electric bill.. .autopay the statement balance and hit the button every 2-3 months and it should take off eventually.

The spend is there as I've ran over $16K thru this card since June '16. Just some so-so luv in return ($2.5K in increases since opening). I submitted for a CLI today, exactly 60 days from the last request. Flat out denied. Not even the 2 day message but instant denial.

Re: 18K+ of CLI from Disco in 4 months

Anonymous — Fri, 03 Feb 2017 21:16:48 GMT

I actually called into lending a couple weeks ago, as I was at a Menards and spending $6,000 and wanted to get the first year double rewards. Lending told me I was not eilgable for a hard pull as it wasnt credit that was holding my credit line back. He said they just needed to see more activity and more time with the current credit line including payments. My response was that in 8 months ive put $25,000 in both purchases and payments on the card with a $4,500 limit. They said they would like to see more before the system will alow for a manual review for a hard pull increase.

Re: 18K+ of CLI from Disco in 4 months

austinguy907 — Fri, 03 Feb 2017 21:23:13 GMT

@Ysettle4 wrote:
The spend is there as I've ran over $16K thru this card since June '16. Just some so-so luv in return ($2.5K in increases since opening). I submitted for a CLI today, exactly 60 days from the last request. Flat out denied. Not even the 2 day message but instant denial.

16K on a 6500 limit might be a little too much spend. I found with Disco less is more for some reason. Of course it's not a science but, I would pull back to a couple hundred a month or less and then hit it again in April to see if something changes with their response. Instant denials are not the norm with them usually. The other thing they might be spooked by is your total CL being so high unless your income is up there too. Maybe it's time to trim some of the co-brands to free up some room for growth. Without the special sauce recipe they're using though it's hard to pinpoint exactly what they're looking for to maximize the results.

Re: 18K+ of CLI from Disco in 4 months

austinguy907 — Fri, 03 Feb 2017 21:28:33 GMT

@Anonymous wrote:
I actually called into lending a couple weeks ago, as I was at a Menards and spending $6,000 and wanted to get the first year double rewards. Lending told me I was not eilgable for a hard pull as it wasnt credit that was holding my credit line back. He said they just needed to see more activity and more time with the current credit line including payments. My response was that in 8 months ive put $25,000 in both purchases and payments on the card with a $4,500 limit. They said they would like to see more before the system will alow for a manual review for a hard pull increase.

This sounds like the normal 6 month waiting period but, you're showing 8 months of history already. Maybe they're seeing something they view as a flag like opening additional accounts, CL's increasing significantly in a short period of time, or something else. Obviously you're able to do the spend and make the payments. Maybe they're waiting until you hit 720 or higher? Usually if you ask for a HP almost any lender would say sure and not care if it's approved or not. It shows they care and don't just do it to do it upon request. By comparison you setup cable tv these days and it's a HP just to verify ID to setup services.

Re: 18K+ of CLI from Disco in 4 months

Jerry45 — Fri, 03 Feb 2017 21:29:28 GMT

Sweet! congrats

Re: 18K+ of CLI from Disco in 4 months

Anonymous — Sat, 04 Feb 2017 02:03:10 GMT

Haven't seen anything like this. Great job. Congrats!!

Re: 18K+ of CLI from Disco in 4 months

Viva-LV — Sat, 04 Feb 2017 03:29:08 GMT

Quite impressive, I don't remember anyone posting info like yours. Congrats, and yes, many (myself included) are envious. Keep it going!

Re: 18K+ of CLI from Disco in 4 months

Anonymous — Sat, 04 Feb 2017 05:10:13 GMT

@austinguy907 wrote:
So, those that follow what I've been doing on here with Disco since getting the card know I've been trackiing them and coming up with a formula of sorts on the best CLI strategy. Since August of last year I switched from hyper hitting the CLI button to an every other month approach which has yielded better results. I thought this might be a fluke of some sort with them approving something for 6K instead of 3-4K/CLI. Well, after the first 6K I went and did my CLI for Dec and sure enough they did 6K again and even after my call rounded out my CL to 42000 instead of 41600 which was an OCD thing having the odd ending number. Anyway, Feb rolls around and finally putting them to the test hit the button again and bam 2-day like usual and it shows up this morning with 48K.

8/1/2016 Manual CLI (2 Day Message) $29,600 $4,000 10/1/2016 Manual CLI (2 Day Message) $35,600 $6,000 12/1/2016 Manual CLI (2 Day Message) $42,000 $6,400 2/1/2017 Manual CLI (2 Day Message) $48,000 $6,000

If you've followed my 1st year post about Disco you see several entries where there wasn't a CLI while hitting the button frequently. Finally switching to the every other month method has stopped the blank entries as well. If this continues for 2017 and beyond this card will just explode into a new stratosphere for a CL.

And as some say around here, If there's not a picture of it, it didn't happen.

Let me see if I understand this within the context of gaining CLI's at Discover. The goal is to ask only once in 2-3 months and not asking frequently, correct? Is that what I have been doing wrong is asking too often within the 2-3 month space of time?

Re: 18K+ of CLI from Disco in 4 months

Anonymous — Sat, 04 Feb 2017 05:18:01 GMT

Awesome! Congrats on the CLI, it's great to hear. I have experienced similar results with Discover, just not as large as yours

Started at 6500 7/2016 Had been carrying a 50% balance for a couple months due to an emergency. PIF 7/15/2016. Auto CLI of 1200 on 8/2016 statement. Manual CLI request approved for 1500 9/16/2016. Manual CLI request 12/16/2016 approved 1000. 2/2/2017 Manual CLI request - 2 day notice aproved for 6500.

Charged up the card and moved some balances and paid them off quickly a couple times during this. Also paid off almost all my other cards during this time.

My goal is discover to be near 50K in 2-3 years.

Re: 18K+ of CLI from Disco in 4 months

Anonymous — Sat, 04 Feb 2017 05:21:50 GMT

@Anonymous wrote:

@austinguy907 wrote:
So, those that follow what I've been doing on here with Disco since getting the card know I've been trackiing them and coming up with a formula of sorts on the best CLI strategy. Since August of last year I switched from hyper hitting the CLI button to an every other month approach which has yielded better results. I thought this might be a fluke of some sort with them approving something for 6K instead of 3-4K/CLI. Well, after the first 6K I went and did my CLI for Dec and sure enough they did 6K again and even after my call rounded out my CL to 42000 instead of 41600 which was an OCD thing having the odd ending number. Anyway, Feb rolls around and finally putting them to the test hit the button again and bam 2-day like usual and it shows up this morning with 48K.

8/1/2016 Manual CLI (2 Day Message) $29,600 $4,000 10/1/2016 Manual CLI (2 Day Message) $35,600 $6,000 12/1/2016 Manual CLI (2 Day Message) $42,000 $6,400 2/1/2017 Manual CLI (2 Day Message) $48,000 $6,000

If you've followed my 1st year post about Disco you see several entries where there wasn't a CLI while hitting the button frequently. Finally switching to the every other month method has stopped the blank entries as well. If this continues for 2017 and beyond this card will just explode into a new stratosphere for a CL.

And as some say around here, If there's not a picture of it, it didn't happen.

Let me see if I understand this within the context of gaining CLI's at Discover. The goal is to ask only once in 2-3 months and not asking frequently, correct? Is that what I have been doing wrong is asking too often within the 2-3 month space of time?

I don't know if asking matters much. My wife requested a CLI every month for a while and they approved it usualluy after 31 days, somtimes not. They almost always did after 91 days. She did put large purchases and PIF every month. I think they really like that

Re: 18K+ of CLI from Disco in 4 months

austinguy907 — Sat, 04 Feb 2017 06:02:59 GMT

@Anonymous wrote:
@Anonymous wrote:

Let me see if I understand this within the context of gaining CLI's at Discover. The goal is to ask only once in 2-3 months and not asking frequently, correct? Is that what I have been doing wrong is asking too often within the 2-3 month space of time?

I don't know if asking matters much. My wife requested a CLI every month for a while and they approved it usualluy after 31 days, somtimes not. They almost always did after 91 days. She did put large purchases and PIF every month. I think they really like that

What I found is that taking the every other month approach is more productive than requesting more frequently. Although it doesn't hurt to ask more often it just isn't as productive in the amount of the increases.

When requesting more often I was seeing 3-4K/increase which was coming out to 18-24K/yr in increases.

When requesting less often it boosted the amount to 6K which would be 36K/yr in increases.

While everything is different for everyone sometimes less is more when working on bringing up the limit with Disco. Some people from other posts I've suggested a couple of tweaks to the use / CLI pattern have seen more success. For instance in 2016 I spent just shy of 5K on the card and got 29.6K in CLI's and that's almost 5X the amount spent. Some spend 20K in 6 mo's and only bump up $1500. My simple formula has been putting a couple of recurring bills on the card each month and setting it to autopay and forgetting about it other than setting reminders to hit the CLI button. My first year post shows my attempts trying to figure out the timing with Disco with various results depending on timing in a detailed format.

http://ficoforums.myfico.com/t5/Credit-Cards/My-first-year-with-Discover-Data-Points/m-p/4705523

For instance I requested 8/1 10/1 12/1 and now 2/1 and all 4 were successful in comparison to when I was trying to time things out it was more sporadic like a hit 6 weeks or 3 months in between. Trying every other month gives them time enough to report the updated CL and see additional payment / use history which for my profile seems to be enough for them. If you're getting denied at 75 days try 90. If you're hitting on 31 days then that's great too but, spacing things out more might result in more significant rises. There's a sweet spot for each account and you just have to try to figure it out. Another user hits the button on the 9th of every month in the hopes of an auto cli each month and had been getting 2-3K/increase and the last one was only $500.

There are just a lot of variables from person to person and it takes time to get to know each other to find that magic solution.

Re: 18K+ of CLI from Disco in 4 months

Anonymous — Sat, 04 Feb 2017 06:19:58 GMT

Absolutely fascinating and amazing. I just need to find that patience and consistency that has worked for you to also work for me. The numbers are crazy.

Re: 18K+ of CLI from Disco in 4 months

austinguy907 — Sat, 04 Feb 2017 06:27:52 GMT

The biggest issue for most is time. We get used to things that give us immediate gratification and Disco just isn't that quick hit from the pipe. Hopefully with some tinkering with my working method you'll find your own method and achieve similar results this year. If you don't have the time to put into it then there's always the "Lending" route of taking a HP and telling them what you want and see if you get it or a counter back on the request. They're easy to work with when you call and it's painless talking with them about things. I've always been hesistant about calling lenders because they usually try to blow smoke or sell you something you absolutely don't want or need. Yet another reason I called the direct number to bypass the regular reps which I'm sure are great as well but, I wanted to speak with the people that put the check mark in the box for Approve not just someone to tell me it's still pending.

It's not an overnight sort of thing to figure out how to get the most out of them for a limit but, it definitely pays off. Together we've been able to put somewhat of a guide together in one thread from the info we've gotten from trying things with Disco. It's somewhat comprehensive and not quite as overwhelming as the Amex 3X guide. Anything useful I come across usually gets an edit to the first post to keep things at the top of the thread as it grows.

Re: 18K+ of CLI from Disco in 4 months

gdale6 — Sat, 04 Feb 2017 17:22:33 GMT

Grats on the CLI, lets keep the data points in one thread in CCs and not duplicate it here or I will have to close out one of them,