topic Re: Disco CLIs (multiple) - inside first year in Credit Card Approvals

Disco CLIs (multiple) - inside first year

mgood — Sun, 17 Oct 2021 14:46:53 GMT

Discover used to be pretty serious about not giving CLIs in less than a year of getting the card. I'd read that some people were starting to get them in less time, so at about 5 months, I starting asking every month. I got an increase at about 7 months . . . and another one at 8 months, and another one at 10 months. I may or may not have posted about the first one or two of those, I can't remember for sure and I'm too lazy to search right now.

Dec 4 SL $2000

Jul 20 CLI to $4500

Aug 28 CLI to $6500

Oct 7 CLI to $7500

I've been putting a couple grand per month on the card since I'm in the double bonus, getting 10% in the bonus categories and 2% on everything else for the first year, it's my go-to card for most things. Making large (for me) payments. I guess they like me.

Re: Disco CLIs (multiple) - inside first year

M_Smart007 — Sun, 17 Oct 2021 14:49:11 GMT

Congrats on the Disco CLi

Re: Disco CLIs (multiple) - inside first year

Anonymous — Sun, 17 Oct 2021 14:50:08 GMT

Great results - ride it til it stops. Disco definitely does seem to play favorites with people so take advantage of her goodwill!

Re: Disco CLIs (multiple) - inside first year

gdale6 — Sun, 17 Oct 2021 15:05:03 GMT

That is a great move up for the first year, grats on getting it done!!

Re: Disco CLIs (multiple) - inside first year

KingRue8500 — Sun, 17 Oct 2021 15:26:23 GMT

Congrats on your Discover CLI's success

Re: Disco CLIs (multiple) - inside first year

Rebuild2019 — Sun, 17 Oct 2021 15:41:58 GMT

Congrats 🎊🎈🍾🎉 on your CLI.

Re: Disco CLIs (multiple) - inside first year

Sub16610 — Sun, 17 Oct 2021 16:10:12 GMT

Congrats on your Discover cli!

Re: Disco CLIs (multiple) - inside first year

GrandBay — Sun, 17 Oct 2021 16:20:06 GMT

Hi @mgood

Did your score or profile change in those months?

HPs; Charge-Offs, collections that fell off

Re: Disco CLIs (multiple) - inside first year

CreditAggie — Sun, 17 Oct 2021 16:38:45 GMT

Congratulations on your Discover CLIs!

Re: Disco CLIs (multiple) - inside first year

mgood — Sun, 17 Oct 2021 16:54:53 GMT

@GrandBay wrote:
Hi @mgood
Did your score or profile change in those months?
HPs; Charge-Offs, collections that fell off

Change, yes. Better or worse right now, I'm not sure. I paid down balances from around 30% utilization to under 2% and my scores shot up. But I've been on a bit of a spending spree lately and the scores have come back down to close to where they were. I did get other cards with much higher limits during that time, so maybe Disco looked at that and decided it was safe to give me more. The only installment loan I had when I first got the card was almost paid off, so it looked really good. Since then that account has been paid off and I have a new loan, which I've paid down very little, so that doesn't look as good. The only negative I had on my account was a 30-day-late that fell off somewhere around December-January, IIRC.

Re: Disco CLIs (multiple) - inside first year

Anonymous — Sun, 17 Oct 2021 16:56:26 GMT

Yes, they like you LOL

Keep up the good work.

Thanks for the post.

Mark

Re: Disco CLIs (multiple) - inside first year

cashorcharge — Sun, 17 Oct 2021 17:06:18 GMT

Nicely done! Congratulations on your Discover CLI approvals!! 👏🏼🎉🍾

Re: Disco CLIs (multiple) - inside first year

Titans84 — Sun, 17 Oct 2021 17:52:03 GMT

Congrats on the multiple CLIs!

Re: Disco CLIs (multiple) - inside first year

manbuckets — Sun, 17 Oct 2021 21:17:38 GMT

Congrats on your CLIs!

Re: Disco CLIs (multiple) - inside first year

Total80sKid — Mon, 18 Oct 2021 03:34:45 GMT

Congrats on the increases 👍🏼