topic Re: Discover IT Auto CLI in Credit Card Approvals

Discover IT Auto CLI

blossom_rebuilding — Thu, 01 Oct 2020 15:32:46 GMT

In a surprise notification, I received a $2,000 auto CLI on my Discover It, increasing the limit to $21,000. This is now my highest credit limit! I was pretty surprised because the balance had been around 50%, which I've been working on paying down, so I wasn't expecting any CLIs until the utilization was back to being more reasonable.

Other data points: TU FICO 8 751, overall utilization at 25% at the time that Discover did the last pull according to its credit scorecard, but since then Wayfair has reported closed, so is in actuality 28%. I imagine TU will take a hit the next time they pull because of that, so I'm not going to tempt fate by attempting a double dip. I don't need any more available credit anyway; I just want to focus on getting my balances down and then managing the limits I have.

Re: Discover IT Auto CLI

AllZero — Thu, 01 Oct 2020 15:35:24 GMT

Congratulations on your PCLI!

Re: Discover IT Auto CLI

mrcraft — Thu, 01 Oct 2020 15:38:07 GMT

Congratulations on your CLI!!

Re: Discover IT Auto CLI

Conceptual23 — Thu, 01 Oct 2020 15:41:05 GMT

Nice, congrats on the increase.

Re: Discover IT Auto CLI

GApeachy — Thu, 01 Oct 2020 15:58:05 GMT

@blossom_rebuilding wrote:
the balance had been around 50%,

Congrats on the auto cli. That's an interesting dp, one that I never tried cuz my scores were weak- ^utl. How many months were you at 50% or higher? Ms Disco sure likes your style, congrats on that too.

Re: Discover IT Auto CLI

coreyb80 — Thu, 01 Oct 2020 16:37:36 GMT

Congrats on the CLI!

Re: Discover IT Auto CLI

M_Smart007 — Thu, 01 Oct 2020 16:50:11 GMT

Congratulations on your Auto CLI

Re: Discover IT Auto CLI

CreditAggie — Thu, 01 Oct 2020 17:16:54 GMT

Congratulations on your Discover auto-CLI!

Re: Discover IT Auto CLI

blindambition — Thu, 01 Oct 2020 17:24:28 GMT

Congrats on the autoCLI!! The balance you're carrying, Was that a BT by chance? Ms. Disco is known to reward responsible BT pay down.

Re: Discover IT Auto CLI

TSlop — Thu, 01 Oct 2020 17:59:29 GMT

Congrats on your auto CLI!

Re: Discover IT Auto CLI

fatcomic — Thu, 01 Oct 2020 18:29:33 GMT

Congrats on the auto CLI!! How long have you had your Discover card? Does Discover usually do any auto CLI at a certain point.

Re: Discover IT Auto CLI

Anonymous — Thu, 01 Oct 2020 19:23:18 GMT

Congratulations!

Re: Discover IT Auto CLI

MyFault — Thu, 01 Oct 2020 20:48:06 GMT

Congrats on your Disco auto love!

Re: Discover IT Auto CLI

gdale6 — Thu, 01 Oct 2020 20:57:15 GMT

Love auto CLIs, congrats on it

Re: Discover IT Auto CLI

joltdude — Fri, 02 Oct 2020 00:34:07 GMT

Gonna take a guess that most of the UTI was on the discover card to begin with.....

Even with Miss Disco as unpredictable as usual... Iv gotten a CLI with high util on Discover in the past, with everyone else paid off or negligible amount of reported use........ Also think it was an auto CLI..... Seen doors open when Discover thinks they are the daily driver or hold your balances.... Iv joked about thats what the IT in Discover IT stands for =)

Congrats on the Auto Luv...

-J

Re: Discover IT Auto CLI

cashorcharge — Fri, 02 Oct 2020 03:35:57 GMT

Auto-CLI's are the best! Congratulations!

Re: Discover IT Auto CLI

Meanmchine — Fri, 02 Oct 2020 03:47:51 GMT

Congrat on your Disco luv

Re: Discover IT Auto CLI

blossom_rebuilding — Fri, 02 Oct 2020 17:57:37 GMT

@joltdude wrote:
Gonna take a guess that most of the UTI was on the discover card to begin with.....
Even with Miss Disco as unpredictable as usual... Iv gotten a CLI with high util on Discover in the past, with everyone else paid off or negligible amount of reported use........ Also think it was an auto CLI..... Seen doors open when Discover thinks they are the daily driver or hold your balances.... Iv joked about thats what the IT in Discover IT stands for =)

Congrats on the Auto Luv...
-J

You are correct; Discover IT is indeed my daily driver and has the highest balance in my overall portfolio. I took advantage of a lowered APR offer and plan to continue paying it off. I've had the card since 2017, and most of my increases have been soft pull auto CLIs. I tried and succeeded with the double dip only once. I also think Discover is in its own personal competition with my PNC core card; they've been neck and neck with having my highest CL for the last few years. Every time one gets an increase, the other is soon to follow to match or exceed the limit. Prior to this CLI, they were both at $19,000, so maybe I'll get an auto increase on PNC to keep up with Discover when that card hits its anniversary in December...

Re: Discover IT Auto CLI

Anonymous — Fri, 02 Oct 2020 18:28:55 GMT

Congratulations on your CLI!

Re: Discover IT Auto CLI

joltdude — Fri, 02 Oct 2020 20:58:18 GMT

Making decent progress on your BT or 0% offer in this situation also doesn't hurt matters with gaining the affection of Miss Disco.....

-J