topic Re: Discover CLI for the Second Time in Credit Card Approvals

Discover CLI for the Second Time

HeavyResist — Fri, 11 Feb 2022 23:23:53 GMT

Was approved for my 1st DiscoverIT in October 2020 , and received an original CL of 3K. Had first CLI of $1000 in June 2021 using the automated method on the app. Used the app the second time as well to avoid a hard pull. This second CLI was approved for $500 which brings me to $4500 on that card. I am now past the first year of double cash back so my use of this card will diminish over time.

Credit Picture @ Time of CLI

CH7 BK August 2012 (Divorce)

Fico 8 Scores January 2022 TU8 - 720

Home Mortgage: M&T Bank - (09/2020) 95K

Personal income: 95K/year (2 Jobs + rental income)

Re: Discover CLI for the Second Time

Reviewers — Fri, 11 Feb 2022 14:12:03 GMT

Congratulations on your second Disco CLI!

Re: Discover CLI for the Second Time

coreyb80 — Fri, 11 Feb 2022 14:19:47 GMT

Congrats on the increase!

Re: Discover CLI for the Second Time

M_Smart007 — Fri, 11 Feb 2022 15:32:51 GMT

Congrats on your Discover CLI 👍

Re: Discover CLI for the Second Time

gdale6 — Fri, 11 Feb 2022 15:43:02 GMT

Grats on your Disco move up

Re: Discover CLI for the Second Time

jonblaze24 — Fri, 11 Feb 2022 23:24:33 GMT

@HeavyResist wrote:
Was approved for my 1st DiscoverIT in October 2020 , and received an original CL of 3K. Had first CLI of $1000 in June 2021 using the automated method on the app. Used the app the second time as well to avoid a hard pull. This second CLI was approved for $500 which brings me to $4500 on that card. I am now past the first year of double cash back so my use of this card will diminish over time.

Credit Picture @ Time of CLI

CH7 BK August 2012 (Divorce)
Fico 8 Scores January 2022 TU8 - 720
Home Mortgage: M&T Bank - (09/2020) 95K
Personal income: 95K/year (2 Jobs + rental income)

Congrats! Discover has been letting the flood gates open for me recently, i've gotten $5k worth of CLI's in the last 9 months alone.

Did just want to note--based on my experiences, whether you are on the app or on the desktop site....requesting a CLI is never a HP. I request usually every 3 months at the least and have not seen anything that came back on my report.

Re: Discover CLI for the Second Time

CreditAggie — Fri, 11 Feb 2022 16:09:51 GMT

Congratulations on your Discover CLI!

Re: Discover CLI for the Second Time

HeavyResist — Fri, 11 Feb 2022 23:25:05 GMT

@jonblaze24 wrote:
@HeavyResist wrote:
Was approved for my 1st DiscoverIT in October 2020 , and received an original CL of 3K. Had first CLI of $1000 in June 2021 using the automated method on the app. Used the app the second time as well to avoid a hard pull. This second CLI was approved for $500 which brings me to $4500 on that card. I am now past the first year of double cash back so my use of this card will diminish over time.

Credit Picture @ Time of CLI

CH7 BK August 2012 (Divorce)
Fico 8 Scores January 2022 TU8 - 720
Home Mortgage: M&T Bank - (09/2020) 95K
Personal income: 95K/year (2 Jobs + rental income)

Congrats! Discover has been letting the flood gates open for me recently, i've gotten $5k worth of CLI's in the last 9 months alone.

Did just want to note--based on my experiences, whether you are on the app or on the desktop site....requesting a CLI is never a HP. I request usually every 3 months at the least and have not seen anything that came back on my report.

I've been trying to keep requests to every six months out of caution. I was curious if I could do them more frequently. So you average requests every 90 days? What amount or percentage of credit line do you target for CLI's? Your advice would be appreciated.

Re: Discover CLI for the Second Time

CloudyWeather1331 — Fri, 11 Feb 2022 16:59:51 GMT

Congrats on your CLI!

Re: Discover CLI for the Second Time

Elpadrino1 — Fri, 11 Feb 2022 19:57:00 GMT

Congratulations on your Disco CLI!!

Re: Discover CLI for the Second Time

cashorcharge — Fri, 11 Feb 2022 23:11:22 GMT

That's terrific!! Congratulations on your Discover Approval!! 🎉🥂👏