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Discover CLI success for anyone?

BrutalBodyShots
Super Contributor

Re: Discover CLI success for anyone?


@Raiderguy8 wrote:

Would like to share my history with Discover CLIs. 

  • I got the card on 12/5/16 with a starting limit of $3000
  • First CLI was 1/10/18 - Raised to $7000
  • Second CLI was 7/11/2018 - Raised to $8500
  • Third CLI was 4/3/2019 - Raised to $12700
  • Fourth CLI was just now - Raised to $19700

 


Looks like 2019 is your best year yet by far and you've still got 5 months to go!

Message 61 of 84
Raiderguy8
New Contributor

Re: Discover CLI success for anyone?

I requested each of the CLIs, no autos.

Message 62 of 84
Clockworkz
New Contributor

Re: Discover CLI success for anyone?

I got my first CLI about 2 weeks ago a couple days after my 3rd statement hit. Will be asking around the 14th of August again.



Starting Score: 588
Current Score: 672
Goal Score: 750


Message 63 of 84
iMacGuy
Regular Contributor

Re: Discover CLI success for anyone?

I just requested an increase and they took me from $4k to 9k. I have been known to use 40% utilization but I pay it off the next month. Also, I’m running about 708 equifax FICO 8 and 689 experian FICO 8. I hope this helps in some way for someone.
Message 64 of 84
devilnic
New Contributor

Re: Discover CLI success for anyone?

I just asked for an increase a few days ago and I was granted an added $1300 although small from others increase . But i have asked numerous times before and always got declined for the last 3 years ive had it. I do think paying it off last month helped with the decision.  My fico 8 scores Equifax 671, Transunion 684, Experian 696

Starting Score: 612
Current Score: 701
Goal Score: 750


Take the myFICO Fitness Challenge

Experian 707
Exquifax 707
Transunion 679

capital one spark visa $600 6/8/2002 18 yrs
Capital one Quicksilver $700 10/3/2004 16 years
CFNA $2800 6/14/2020 10months
Navy Fedearl CU cash rewards $9200 9/24/2014 6 years
Victorias Secret $3525 11/17/2014 6 years
Amazon $5000 12/1/2015 5 years
Discover miles #1 $5300 1/19/2017 4 years
Navy Federal Amex $6500 7/6/2017 3 years
American Express Hilton honors surpass $1000 4/30/2019 1 year
Home Depot $1500 7/06/2017 3 years
Overstock $11350 5/12/2019 1year
Chase SLate $1800 9/24/2019 1 year
Discover IT #2 $5000 9/24/2019 1 year
Message 65 of 84
IslandRain
Member

Re: Discover CLI success for anyone?

Congrats on the increases! I was denied. I waited over a week after the 3rd statement cut and my account is always PIF well before the due date. Guessing I was shot down coz it was my first unsecured card. :-/
|| 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 66 of 84
CreditJourney007
Frequent Contributor

Re: Discover CLI success for anyone?

I got my first one last month. 

Opened the card in February of this year - SL $900

CLI on 7/26 (I think?) - they doubled my SL and my current CL = $1800.

 

I'm going to experiment this month and see if I have opened the flood gates for the 30 day train lol. Likely not though. 

Message 67 of 84
BrutalBodyShots
Super Contributor

Re: Discover CLI success for anyone?

You won't know if you don't try... good luck!

Message 68 of 84
iMacGuy
Regular Contributor

Re: Discover CLI success for anyone?

Don’t be discouraged, Island Rain! I have been denied and granted a lot in these past few years of me focusing on my credit! You got this!
Message 69 of 84
IslandRain
Member

Re: Discover CLI success for anyone?

iMacGuy, thank you so much! I appreciate the encouragement more than anything. I'm still learning a lot. Last week, the weirdest thing happened. My Fako Ck scores jumped up by 18 points bringing my FAKOs to roughly 740. My real FICOs hover around 760. Now I'm kind of in that spot where I don't know if I should apply for another card in about a month so that all of my cards age together or if I should wait. Just have a thin file and I'm really trying to build a dynasty. LOL
|| 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 70 of 84
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