topic Re: Discover CLI in Credit Card Approvals

Discover CLI

Citylights18 — Mon, 06 Mar 2023 18:34:55 GMT

Requested today and they bumped me from $4500 to $5000.

Only had $133 available, 97% utilization.

Credit score: 804

Re: Discover CLI

M_Smart007 — Mon, 06 Mar 2023 18:39:49 GMT

@Citylights18 wrote:
Requested today and they bumped me from $4500 to $5000.

Only had $133 available, 97% utilization.

Credit score: 804

Congrats on your @AverageJoesCredit $500 Disco CLI special ...long live the AJC special

Re: Discover CLI

Citylights18 — Mon, 06 Mar 2023 18:40:41 GMT

They are only giving me $500 at a time as I run this card up.

If I pay it off are they going to balance chase me back down I wonder?

This whole plan to grow my Disco doesn't seem to be working so well IMO.

Re: Discover CLI

M_Smart007 — Mon, 06 Mar 2023 18:46:05 GMT

@Citylights18 wrote:
They are only giving me $500 at a time as I run this card up.

If I pay it off are they going to balance chase me back down I wonder?

This whole plan to grow my Disco doesn't seem to be working so well IMO.

@Citylights18, JMO ..If they were going to balance chase you,

they would probably not be giving you increases. ...just sayin.

It is hard to grow a Discover card, if you already have a bunch of available credit.

On one of my (2) Discover cards ..it took over 3 years to get a CLI

Re: Discover CLI

CreditMagic7 — Mon, 06 Mar 2023 18:47:52 GMT

Congratulations!

Re: Discover CLI

Yasselife — Mon, 06 Mar 2023 18:51:16 GMT

Congratulations on your CLI approval! @Citylights18

Re: Discover CLI

JoeRockhead — Mon, 06 Mar 2023 18:51:29 GMT

500 is better than 0 any day, also agree wouldn't make sense to give you a CLI, then balance chase you, congratulations!

Re: Discover CLI

NoMoreE46 — Mon, 06 Mar 2023 19:00:20 GMT

How long has this utility been this high?

@M_Smart007 wrote:
@Citylights18 wrote:
They are only giving me $500 at a time as I run this card up.

If I pay it off are they going to balance chase me back down I wonder?

This whole plan to grow my Disco doesn't seem to be working so well IMO.
@Citylights18, JMO ..If they were going to balance chase you,
they would probably not be giving you increases. ...just sayin.

It is hard to grow a Discover card, if you already have a bunch of available credit.
On one of my (2) Discover cards ..it took over 3 years to get a CLI

Re: Discover CLI

Citylights18 — Mon, 06 Mar 2023 19:01:46 GMT

@M_Smart007 wrote:
@Citylights18 wrote:
They are only giving me $500 at a time as I run this card up.

If I pay it off are they going to balance chase me back down I wonder?

This whole plan to grow my Disco doesn't seem to be working so well IMO.
@Citylights18, JMO ..If they were going to balance chase you,
they would probably not be giving you increases. ...just sayin.

It is hard to grow a Discover card, if you already have a bunch of available credit.
On one of my (2) Discover cards ..it took over 3 years to get a CLI

Yeah I'm definitely up there in TCL.

The plan was to grow out my Disco with double cash back on gas and groceries during the 0% APR period then take one of those Citi BT offers. The next year transfer back to Disco on one of their promotions and continue to press for credit limit increases.

Re: Discover CLI

Epiki71 — Mon, 06 Mar 2023 19:04:00 GMT

OP,

Congrats on the CLI.

Re: Discover CLI

Rdbeetle — Mon, 06 Mar 2023 20:39:44 GMT

Congrats on your Disco CLI!!!

Re: Discover CLI

CreditAggie — Mon, 06 Mar 2023 20:40:39 GMT

Congratulations on your Discover CLI!

Re: Discover CLI

SUPERSQUID — Mon, 06 Mar 2023 20:41:38 GMT

@M_Smart007 wrote:
@Citylights18 wrote:
Requested today and they bumped me from $4500 to $5000.

Only had $133 available, 97% utilization.

Credit score: 804
Congrats on your @AverageJoesCredit $500 Disco CLI special ...long live the AJC special

CONGRATS to the op, surprising they gave you a cli with 97 pct util since they just turned me down for high util and i was nowhere near 97 pct. they did give me 3 cli's in a row in 3 consecutive months recently so i'm good.

M SMART, -I wonder what happened to AJC, he hasnt posted in eons

Re: Discover CLI

SweetCreditObsession — Tue, 07 Mar 2023 04:58:17 GMT

Congrats on your Disco CLI! 🎊 It's remarkable that you got the CLI with such high utilization. You may be able to double dip by calling in.

Re: Discover CLI

NoMoreDebt — Tue, 07 Mar 2023 11:21:00 GMT

congrats on the cli

Re: Discover CLI

cashorcharge — Tue, 07 Mar 2023 23:03:03 GMT

WooHoo!! Congratulations on your Discover Approval!!👏🏼🍾🥂

Re: Discover CLI

BreakingOldHabits1 — Fri, 17 Mar 2023 00:06:42 GMT

Congratulations on the increase!!

Re: Discover CLI

Citylights18 — Thu, 06 Apr 2023 00:36:49 GMT

Applied again for an increase (29 days from my last one). I had a statement cut on 3/19. Does Discover not like it if you apply less than 30 days apart? Actually this was 30 days since March had 31 days.

Was declined for an increase. Only $75 dollars left on the card. It might be time to move on to another 0% APR card in the stack (Citi, CFU).

Re: Discover CLI

Citylights18 — Fri, 14 Apr 2023 23:19:21 GMT

My reason for decline came back......

"insufficent experience with current credit discover card credit limit"

I'm sure a lot of us on here has seen this one before. I guess I'll have to give it another shot next month.