Discover unOfficial Data Points

[Anonymous]

Thanks for the response! It being a secured Discover I'm hoping they automatically flip it to non next month. I guess I can wait and see or maybe I'll call them and see what happens. Just sucks having to make multiple payments every month because the CL is low.  Hopefully next month all that will change!!  Thanks again!

[austinguy907]

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@rmm140 wrote:

Thanks for the response! It being a secured Discover I'm hoping they automatically flip it to non next month. I guess I can wait and see or maybe I'll call them and see what happens. Just sucks having to make multiple payments every month because the CL is low.  Hopefully next month all that will change!!  Thanks again!

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No need to call since that won't really do much with Disco.  If they like what they have seen for the past several months then it will happen.  If not then every month is a new chance to make it happen.  If they don't like what they say then pull back and only use 10% each month and it should trigger the right reaction you're looking for.

[Anonymous]

Will do!! Thanks!!

[Anonymous]

Here is an update on my Discover CLI journey showing my recent $1000 increase, with some prior data points added just to provide more data for those starting out with Discover. I also added some rough balances to the last few requests just to give an idea. 

It appears I am on the 60-day Disco train. 

Date	Outcome	TU FICO 8	Balance	Reason/Description
7/9/2016	$1000 SL			Discover It approved, EQ 659, EX 668
8/25/2016	Denied	625		Insufficient Experience with Current Discover Card Credit Limit
9/26/2016	Denied	638		Insufficient Experience with Current Discover Card Credit Limit
10/4/2016	Denied	638		Serious Delinquency, and Public Record or Collection Filed
10/22/2016	Denied	650		Serious Delinquency, and Public Record or Collection Filed
11/13/2016	$     500.00	650	$  250.00	Instant approval
11/19/2016	Denied	655	$  175.00	2-Day Review: Insufficient Experience with Current Limit on Discover Card
12/15/2016	$     800.00	655	$    70.00	2-Day Review: Approved
1/15/2017	Denied	654	$  425.00	2-Day Review: Insufficient Experience with Current Limit on Discover Card
2/15/2017	$  1,000.00	652	$  920.00	2-Day Review: ApprovedH

[AverageJoesCredit]

Nice Bella! Your scores coming along nicely as is that zesty cl

[AverageJoesCredit]

My journey briefly:

9 Oct16 approved $2500 Fico score 694
25 jan 17 ( 2days after statement cut) Fico score 716
$500 cli

Current limit $3000.

Have hit button probably too many times but just get message cant increase limit at this time, have never received any papers in mail. Time to take a break and check back in a couple months

[kugel]

Austinguy I have my card 90 days just did CLI got a sp from 10kto 13k is the double dip CLI still works with them and how do I do it ?

[austinguy907]

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@kugel wrote:
Austinguy I have my card 90 days just did CLI got a sp from 10kto 13k is the double dip CLI still works with them and how do I do it ?

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Just give this # 800-347-4856 a call and ask them for a CLI.  They may come back and say something about a HP and that's your clue you don't have more $$ waiting on the table.

[Anonymous]

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@kugel wrote:
Austinguy I have my card 90 days just did CLI got a sp from 10kto 13k is the double dip CLI still works with them and how do I do it ?

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The double dip is only if you received an automatic CLI.  If you requested it yourself via hitting the button online for a SP CLI, which you got, you can't get another one right away.

[kugel]

Thanks
it didn't work called and he said I just got a$3000 increas
Wen is my next time I can try again is it 90 days more ? Or less for the SP