topic Re: First-ever CLI! in Credit Card Approvals

First-ever CLI!

rayneyday — Wed, 31 May 2017 19:46:55 GMT

Not sure what possessed me to request it, especially in light of my scores crashing 10 days ago. One minute my FICO 08's were 664 EQ 671 TU 648 EX, then they plummeted an average 15 points across the board after Citi DC posted my statement. All thanks to unexpected car repairs for DD -- util on the card at 51% -- a charge that hung in 'pending' status for FIVE WHOLE DAYS before posting sometime between 6pm and midnight the day my statement cut. Nice.

Anyway, a few days later I hit the Disco luv button (clearly some sort of under-caffeinated senior moment), got the 7-10 day message, and then today: Surprise! $500 CLI!! Not enormous, but it's my first.

I'd been under some sort of notion that any score drops or other CR derogs would've excluded me -- CLI requests a few weeks ago to Walmart and Cap1 were met with immediate refusals prior to my score dropping.

Re: First-ever CLI!

Total80sKid — Wed, 31 May 2017 23:25:09 GMT

Congrats!

Re: First-ever CLI!

AverageJoesCredit — Thu, 01 Jun 2017 01:01:13 GMT

Enjoy that new cli!. It may seem small to some but i always say its 500 more than you had the day before

Re: First-ever CLI!

Anonymous — Thu, 01 Jun 2017 01:21:53 GMT

Congrats on your increase.

Re: First-ever CLI!

rayneyday — Thu, 01 Jun 2017 01:29:50 GMT

@Total80sKid wrote:
Congrats!

Thank you!

Re: First-ever CLI!

rayneyday — Thu, 01 Jun 2017 01:30:58 GMT

@Anonymous wrote:
Congrats on your increase.

Thank you!

Re: First-ever CLI!

rayneyday — Thu, 01 Jun 2017 01:34:20 GMT

@AverageJoesCredit wrote:
Enjoy that new cli!. It may seem small to some but i always say its 500 more than you had the day before

I completely agree! Hoping for the day I can PIF once rather than every few days. It's exhausting lol.

Re: First-ever CLI!

Cashbackjunky — Thu, 01 Jun 2017 02:03:49 GMT

Congrats!! I remember my first CLI like it was yesterday... It's exhilarating!

Cheers!

Re: First-ever CLI!

Anonymous — Thu, 01 Jun 2017 02:16:50 GMT

Congrats, rayneyday!

Just to give you a little encouragement, my first Disco CLI was $500 back in November '16 when my card was 5 months old, TU 655. Since then I got $800 at 6 months TU 652, $1000 at 7months TU 652, and $900 at 10 months TU 662.

It can grow, even with fair scores! Good luck!

Edited to tell you I started with a $1000 SL in July '16.

Re: First-ever CLI!

thummel — Thu, 01 Jun 2017 02:16:21 GMT

Congrats on the first cli! I remember mine just like it was yesterday.

Re: First-ever CLI!

Shogun — Thu, 01 Jun 2017 05:02:38 GMT

Garden that card well, trust me, it will grow. Congrats!

Re: First-ever CLI!

MrsCHX — Thu, 01 Jun 2017 11:43:52 GMT

Yay for progress!! Congratulations!!