topic Re: Auto-CLI: Is Discover Run by Aliens?! in Credit Card Approvals

Auto-CLI: Is Discover Run by Aliens?!

ridgebackpilot — Tue, 09 Jun 2020 02:45:27 GMT

Maybe I should just give up trying to figure out how the folks at Discover make decisions. Or maybe they really are from another planet! Here's what happened this week:

Last week, I applied for a CLI on my Discover IT card. I've had the card since December 2018 and the SL has grown steadily. My last CLI was in June 2019 and brought me to a SL of $11,500. This is my second Discover IT card; the first one has a SL of about half that.

So last week I applied for a CLI as I do occasionally, just to see if Discover is amenable. As you know, it doesn't hurt to ask since Discover uses monthly soft pulls to determine eligibility for a CLI. My request was denied due to the usual "Too many accounts with balances," and "Balances on accounts too high", etc. At the time, the utilization on my card was about 48%.

Today, just a few days after receiving the letter from Discover about my latest CLI denial, I was astonished to receive an Email letting me know they'd granted me an auto-CLI to $14,000! The Email said, "Good news! We've increased your credit line. We've noticed your excellent credit management overall and increased your credit line to $14,000." Go figure!

Thanks, Discover, for the unexpected and welcome auto-CLI. But I sure wish I could figure out how they make decisions at Discover HQ...!

For reference point, FICO 8: EX 714, EQ 711, TU 721

Thick file, high income, low DTI

Re: Auto-CLI: Is Discover Run by Aliens?!

Brian_Earl_Spilner — Tue, 09 Jun 2020 02:36:41 GMT

Re: Auto-CLI: Is Discover Run by Aliens?!

M_Smart007 — Tue, 09 Jun 2020 03:08:25 GMT

Re: Auto-CLI: Is Discover Run by Aliens?!

AllZero — Tue, 09 Jun 2020 03:15:34 GMT

Congratulations on your PCLI!

Re: Auto-CLI: Is Discover Run by Aliens?!

MyFault — Tue, 09 Jun 2020 03:48:43 GMT

Congrats on your auto CLI!

Re: Auto-CLI: Is Discover Run by Aliens?!

CreditAggie — Tue, 09 Jun 2020 04:36:56 GMT

Congratulations on your Discover auto-CLI!

Re: Auto-CLI: Is Discover Run by Aliens?!

Anonymous — Tue, 09 Jun 2020 08:50:32 GMT

Congrats on your CLI.

Re: Auto-CLI: Is Discover Run by Aliens?!

gdale6 — Tue, 09 Jun 2020 10:21:14 GMT

LOL, computers making all the decisions, sometimes seems no rhyme or reason. Grats to the auto luv

Re: Auto-CLI: Is Discover Run by Aliens?!

Anonymous — Tue, 09 Jun 2020 10:41:42 GMT

@ridgebackpilot Super Congrats on your Discover CLI to $14,000!!!

How Lady Disco grants CLIs truly is a mystery to us all. Thanks for sharing!

Re: Auto-CLI: Is Discover Run by Aliens?!

Anonymous — Tue, 09 Jun 2020 11:37:14 GMT

Congrats on the CLI...

and who knows?

Translation: WE ARE NOT RUN BY ALIENS. PROMISE!

Re: Auto-CLI: Is Discover Run by Aliens?!

AverageJoesCredit — Tue, 09 Jun 2020 12:47:30 GMT

Yes....👽👽👽👽👽👽👽👽👽

Re: Auto-CLI: Is Discover Run by Aliens?!

randomguy1 — Tue, 09 Jun 2020 20:54:03 GMT

Congrats on your auto cli.

I'm not sure if their monthly pull affects cli though. Who knows.

Re: Auto-CLI: Is Discover Run by Aliens?!

GApeachy — Tue, 09 Jun 2020 21:17:04 GMT

Congrats on the $oup! .......but Aliens?!? NOoooooo!

"Soup For You!"

"No Soup For You!"

Re: Auto-CLI: Is Discover Run by Aliens?!

DoctorManhattan — Tue, 09 Jun 2020 21:20:02 GMT

Congrats!! one day I hope to be surprised like this as well. For now it's in my sock drawer.

Re: Auto-CLI: Is Discover Run by Aliens?!

tbque — Tue, 09 Jun 2020 21:29:38 GMT

Congrats on the CLI!

Re: Auto-CLI: Is Discover Run by Aliens?!

slickwidit — Tue, 09 Jun 2020 21:31:19 GMT

Disco at it again... congrats!

Re: Auto-CLI: Is Discover Run by Aliens?!

ridgebackpilot — Tue, 09 Jun 2020 21:32:07 GMT

@DoctorManhattan wrote:
Congrats!! one day I hope to be surprised like this as well. For now it's in my sock drawer.

For what it's worth, I suspect my rather heavy use of my Discover IT card had a bearing on their willingness to offer me an auto-CLI.

But hey, who knows?! It's Discover after all!

Re: Auto-CLI: Is Discover Run by Aliens?!

ChazzieT — Tue, 09 Jun 2020 23:21:57 GMT

Re: Auto-CLI: Is Discover Run by Aliens?!

mrcraft — Tue, 09 Jun 2020 23:28:39 GMT

Congratulations on your CLI!!

Re: Auto-CLI: Is Discover Run by Aliens?!

blazerein — Tue, 09 Jun 2020 23:45:01 GMT

Congrats on the CLI. The Alien that handles my Discover Card for Credit Increase has died long time ago.