topic Re: Discover CLI in Credit Card Approvals

Discover CLI

altstates93 — Sat, 20 Nov 2021 05:38:10 GMT

In late spring of this year I finally paid off the Discover balance I carried for what felt like forever. Just in time for me to maximize the 5% dining during the summer, paying in full before each statement generated.

That got me to consider a CLI from the $2K I've had for what felt like forever. Unfortunately, each of the two online CLI requests got greeted with the sad trombone. I surmised my remaining derog, a 2015 CO, held me back.

Earlier this month TU removed the CO through EE. YAY for acronyms! (Though I made it look like one, YAY is not an acronym BTW.)

Clean TU file results. TU F8 vaults from 672 to 818. Let's try that CLI again.

This time, for no compelling reason, I requested the CLI on the phone instead of online. The representative asks me the same two questions as those asked online. I give the same two answers as I...ehhh....answered online.

Different response this time. "Look at that! You can have $4,000! If you want more, I can transfer you to another department."

"This isn't like Deal or No Deal where going for more means risking my current CLI?"

A generous courtesy chuckle. "No."

"More please."

The second representative added $500 on top, completing a $2,500 CLI.

TL;DR for those who don't want to read a post about a simple CLI that feels like it goes on for what feels like forever: Discover increased my CL from $2,000 to $4,500. *pinky flex*

Re: Discover CLI

Ilinferno — Sat, 20 Nov 2021 05:39:52 GMT

Nice job. Congrats on the solid CLI!

Re: Discover CLI

mrcraft — Sat, 20 Nov 2021 05:40:26 GMT

Congratulations on your Discover CLI!!

Re: Discover CLI

M_Smart007 — Sat, 20 Nov 2021 05:40:49 GMT

Congratulaions on your Discover CLI

Re: Discover CLI

collics — Sat, 20 Nov 2021 05:46:04 GMT

Congratulations!

Geez if they denied your CLI w just one derog, it'll be years before I can get one lol

Re: Discover CLI

Total80sKid — Sat, 20 Nov 2021 05:49:13 GMT

Congrats on your Disco CLI 👍🏼

Re: Discover CLI

CreditAggie — Sat, 20 Nov 2021 15:22:00 GMT

Congratulations on your Discover CLI!

Re: Discover CLI

Titans84 — Sat, 20 Nov 2021 16:43:01 GMT

Congrats on your Discover CLI!

Re: Discover CLI

gdale6 — Sat, 20 Nov 2021 17:17:17 GMT

Grats on your Disco increase

Re: Discover CLI

roughdraff — Sat, 20 Nov 2021 21:03:47 GMT

I got a 500 cli from Discover about a week ago with collections TU 660+

Re: Discover CLI

Rebuild2019 — Sat, 20 Nov 2021 21:11:29 GMT

Congrats 🎉🎈🎊 on your Discover CLI!

Re: Discover CLI

altstates93 — Sat, 20 Nov 2021 21:46:44 GMT

@roughdraff wrote:
I got a 500 cli from Discover about a week ago with collections TU 660+

Speculation: I currently have only two active credit cards. A single CO might weigh more heavily in my thin profile than collections for someone with a thicker profile.

Re: Discover CLI

CreditMagic7 — Sat, 20 Nov 2021 22:06:43 GMT

Congrats on your Discover Card increase!

Re: Discover CLI

KingRue8500 — Sun, 21 Nov 2021 01:00:49 GMT

Congrats on your Discover CLI

Re: Discover CLI

Sub16610 — Sun, 21 Nov 2021 04:31:41 GMT

Congrats on your Discover cli!