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Discover CLI question

micvite
Regular Contributor

Discover CLI question

After going through many phases of denial, most for no understandable reason, they finally said not enough spend(none), put a bit of spend on it last month they're offering me 500 now that statement closed. Should I just take the 500 or wait another month put heavy spend on it and try again? I know cap one you should just take it because they won't change their mind what about disco?

Ex: 742, TU: 726, EQ: 733 03/31/2021
Discover it cashback: $4400
Citi DC: $4000
WF Propel: $2000
Amex BCED: $1000
Amex Gold: $2000
Cap1 QS: $1200
VS CC: $1350
Kohls: $700
Synchrony car care: $800
Message 1 of 6
5 REPLIES 5
FalconSteve
Established Contributor

Re: Discover CLI question

Take whatever they offer and come back after a month. Saying no doesn't help.

SoFi World Elite MC (TBOM) $7000 SL
REDcard (TD Bank) $2500 SL
AmEx Cash Magnet $10k SL, CLI after 36hr to $20k- $30k CL
BB&T Rewards $11k SL- impulse application
BB&T Rewards $11k SL- AU, not on reports- impulse app (wife's card)
Discover $6300 CL- $1k SL- AU, no longer on reports b/c of error (wife's card)
Citi Double Cash WEMC $8400 CL- AU- (wife's card)
AmEx Cash Magnet $27,900 CL (wife's card)
BoA Cash Rewards $11k CL- AU (Dad's card)
BoA Premium Rewards $12.3k CL- AU (Dad's card)
PSECU Founder's Card $30k SL- AU (Dad's card)
AmEx Cash Magnet $30k CL- AU (Dad's card)
Wells Fargo Propel AmEx $3200 CL (AU, wife's card, not on CR b/c I was temporarily removed as an AU)
Wells Fargo Active Cash (2%)- $2k SL- AU (wife's card)
Credit Scores for both of us around 800, depending on what you pull & balances

All PIF, frequently before statement close
Goals: Buy a house & get approved for an AOD VISA Signature card (or other 3% cashback), $250k on CR, $100k NOT including AU accounts
Closed accounts (long period of inactivity): AmEx clear, Citi ThankYou (previously Driver's Edge), Chase Freedom, Cap One, Discover IT, Lowes Charge, my 1st REDcard, Buy.com Visa, Children's Place, Kohl's Charge, Angel Card (AU- wife's), Old Navy card
Message 2 of 6
mark3038
Frequent Contributor

Re: Discover CLI question


@micvite wrote:

After going through many phases of denial, most for no understandable reason, they finally said not enough spend(none), put a bit of spend on it last month they're offering me 500 now that statement closed. Should I just take the 500 or wait another month put heavy spend on it and try again? I know cap one you should just take it because they won't change their mind what about disco?



@micvite wrote:

After going through many phases of denial, most for no understandable reason, they finally said not enough spend(none), put a bit of spend on it last month they're offering me 500 now that statement closed. Should I just take the 500 or wait another month put heavy spend on it and try again? I know cap one you should just take it because they won't change their mind what about disco?


Take it now. You can ask for more in the future. They are not giving out many of these so consider yourself lucky that they offered you this. They are hard to figure out to say the least.

Thanks

Mark

Message 3 of 6
Mr_Mojo_Risin
Senior Contributor

Re: Discover CLI question

Take what you can get from them.

They're not giving it out like they used to it seems.

I took $500 from them earlier this month and ran as fast as I could.

NFCU More Rewards 28K CL
AODFCU Visa Signature 5K CL
Citi Custom Cash 4.5K
NFCU Cash Rewards 8K
Discover IT 2K
Cap 1 600
NFCU auto loan
Message 4 of 6
micvite
Regular Contributor

Re: Discover CLI question


@Mr_Mojo_Risin wrote:

Take what you can get from them.

They're not giving it out like they used to it seems.

I took $500 from them earlier this month and ran as fast as I could.


I took the 500, I maxed out DWs disco and ran through the CL basically twice last statement she went from 1250-3k today😅😅😅. 

Ex: 742, TU: 726, EQ: 733 03/31/2021
Discover it cashback: $4400
Citi DC: $4000
WF Propel: $2000
Amex BCED: $1000
Amex Gold: $2000
Cap1 QS: $1200
VS CC: $1350
Kohls: $700
Synchrony car care: $800
Message 5 of 6
FinStar
Moderator

Re: Discover CLI question

As the Op indicated they accepted the CLI amount/offer, this thread is now locked and closed to new messages.

Message 6 of 6
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