topic Re: Discover CLI in Credit Card Approvals

Discover CLI

randomguy1 — Thu, 13 Feb 2020 17:56:59 GMT

Today received a modest $300 Discover CLI bringing my total to $2300

Data:

Opened late 8/2019 - $1000 limit

11/1 - +500 -> $1500.

11/1 - Double dip via phone $400 -> $1900

12/1 - Denial

12/6 - +100 -> $2000

12/6 - Called in for double dip, no go.

1/6 - Denial

1/15 - Denial

2/6 - Denial - > Less than $30 balance - 2 day review message

2/11 - (1 day after statement post date) - Denial - Current $186 balance - Since I was impatenit and didn't see any auto-cli or any sort of response from 2 day message, decided to request another cli. Instant denial.

2/13 - +300 -> $2300 - Current $0 balance. Instant approval.

Pretty heavy use most months, using 60-80% of the credit limit but never nearing the limit as if it is over 60%, I pay it in full, and continue using but never cycle the limit. Last month, used roughly $1800 of $2000.

Why request 3 times this month? Bored mostly, currently gardening due to pending mortgage app so not opening any credit cards anytime soon. Wanted to see if there timing mattered or if there was rhyme or reason to Disco's credit limit increases. Discover's FICO scorecard updates my score the 5th of every month FWIW.

Re: Discover CLI

M_Smart007 — Thu, 13 Feb 2020 17:54:01 GMT

Congrats!

Re: Discover CLI

AllZero — Thu, 13 Feb 2020 17:54:35 GMT

Congratulations on your CLI!

Re: Discover CLI

M_Smart007 — Thu, 13 Feb 2020 17:58:22 GMT

@M_Smart007 wrote:
Congrats!

Felt weird getting a congrats in before @AllZero

Re: Discover CLI

AllZero — Thu, 13 Feb 2020 18:00:39 GMT

@M_Smart007. Lol. Congratulations on your quicker trigger finger.

Re: Discover CLI

Anonymous — Thu, 13 Feb 2020 18:24:56 GMT

Congratulations on your CLI! 👍

Re: Discover CLI

Cred4All — Thu, 13 Feb 2020 19:17:35 GMT

Props for being motivated with all that luv button action.. congrats on another increase!

Re: Discover CLI

AverageJoesCredit — Thu, 13 Feb 2020 21:03:52 GMT

@randomguy1 wrote:
Today received a modest $300 Discover CLI bringing my total to $2300

Data:
Opened late 8/2019 - $1000 limit
11/1 - +500 -> $1500.
11/1 - Double dip via phone $400 -> $1900
12/1 - Denial
12/6 - +100 -> $2000
12/6 - Called in for double dip, no go.
1/6 - Denial
1/15 - Denial
2/6 - Denial - > Less than $30 balance - 2 day review message

2/11 - (1 day after statement post date) - Denial - Current $186 balance - Since I was impatenit and didn't see any auto-cli or any sort of response from 2 day message, decided to request another cli. Instant denial.

2/13 - +300 -> $2300 - Current $0 balance. Instant approval.

Pretty heavy use most months, using 60-80% of the credit limit but never nearing the limit as if it is over 60%, I pay it in full, and continue using but never cycle the limit. Last month, used roughly $1800 of $2000.

Why request 3 times this month? Bored mostly, currently gardening due to pending mortgage app so not opening any credit cards anytime soon. Wanted to see if there timing mattered or if there was rhyme or reason to Disco's credit limit increases. Discover's FICO scorecard updates my score the 5th of every month FWIW.

Very nice. Enjoy

Re: Discover CLI

Anonymous — Fri, 14 Feb 2020 00:01:37 GMT

Congrats and thank you for the detail!

Re: Discover CLI

Meanmchine — Fri, 14 Feb 2020 00:46:26 GMT

Congrats !

Re: Discover CLI

Anonymous — Fri, 14 Feb 2020 01:07:40 GMT

Congrats on your increase!

Re: Discover CLI

Traveler101 — Fri, 14 Feb 2020 01:08:36 GMT

Congrats!

Re: Discover CLI

randomguy1 — Fri, 14 Feb 2020 17:46:52 GMT

Thanks all. Creeping up slowly but surely. Hope more to come soon.