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Discover CLI success for anyone?

Hockeypnc1
Established Contributor

Re: Discover CLI success for anyone?

I hope so! 

Message 41 of 84
ImTheDevil
Community Leader
Super Contributor

Re: Discover CLI success for anyone?

I’ve read that getting that manual review notice is about a 50/50. For me it was a denial the one time I got it. I’ve read several members’ posts that attested to it being granted.


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Message 42 of 84
Hockeypnc1
Established Contributor

Re: Discover CLI success for anyone?

I guess I will find out in a few days. 

Message 43 of 84
ItsPossible
Valued Contributor

Re: Discover CLI success for anyone?


@Hockeypnc1 wrote:

I guess I will find out in a few days. 


I've gotten the manual review notice and did receive an increase. I can't remember how much, as it was about 1 1/2 to 2 years ago. But I was happy with it. 

"Hover mouse over cards to see CL and APR info"


Message 44 of 84
DentGodil
Established Member

Re: Discover CLI success for anyone?

I am mostly an observer here but this thread motivated me.  I paid down my credit cards, but my scores arent updated yet. My scores were down at 650s when I first got my discover IT with SL $2500 two years ago. I asked for CLI after 2 months and was given $500, jumping to $3000 credit limit. Its been a year and a half since then that I have been receiving denials only(only asked 4 times lol). 

It took me a year of gardening and paying down my credit cards from $29000 to $6500 . All my cards were maxed out but now all are paid down to zero except just one card left to pay off.  I apped for Amex blue cash preferred and was approved for $15000 a month ago. I tought let me try getting CLI on my Discover. Today my Experian FICO 8 is 744, the rest aren't updated yet. I called in the customer service and asked for CLI and got $900 making it $3900. I was hoping for better but hey, something is better than nothing. 

Ill try to do it again in two to three months. 

 

Starting Score: TU: 740 EX: 755 EQ: 755
TU: 691 EX: 682 EQ: 685
Goal Score: 750 across all boards


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Message 45 of 84
Boisvert
Frequent Contributor

Re: Discover CLI success for anyone?

I’m at $1,000 CL since 2004. Yes. 15 years ago. Same CL. Every time I get denied. I’m debt free in Nov so let’s see if that helps. Was close to closing the account but it’s my oldest.

My signature is only for inspiration.
  
  
Credit Repair Tracker: Don't get discouraged: 220pts gained to 800!


MYFICO Proud Garden Club Member: 

Message 46 of 84
Saeren
Mega Contributor

Re: Discover CLI success for anyone?

15 years with no CLI?! Someone filled that bucket with cement and threw it in the river! 😳 





Message 47 of 84
AverageJoesCredit
Community Leader
Mega Contributor

Re: Discover CLI success for anyone?

Lol, luck would be they would apply for a new It and get a 30k slSmiley Wink
NN7! Fico math 1 HP = 20 CG LIEr Club Plankowner
Message 48 of 84
M_Smart007
Epic Contributor

Re: Discover CLI success for anyone?


@Boisvert wrote:
I’m at $1,000 CL since 2004. Yes. 15 years ago. Same CL. Every time I get denied. I’m debt free in Nov so let’s see if that helps. Was close to closing the account but it’s my oldest.

That is just not right!!

Message 49 of 84
IslandRain
Member

Re: Discover CLI success for anyone?

Discover is an interesting lender. I've heard people have luck ignoring the card a bit. Pay down the balance of course like you are while refraining from using it too much. I know two people who got auto CLIs by doing that.
|| Disc $2K || AMEX $2K || CU secured cc $1K || 1 car lease || FICO 8 TU 751 || FICO 8 EXP 760 || FICO 8 EQ No idea || File est 2017 || No baddies/missed payments || Overall util 1-5% ||
Message 50 of 84
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