Discover unOfficial Data Points

[Anonymous]

You'll probably see another CLI soon then.  It seems those with lower limits have still been getting CLIs relatively frequently since the last few days of March compared to those with higher limits.  I think we've only seen 2-3 examples of those with > $20k limits receive a SP CLI in the last 2 months.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

It is absolutely confirmed that I am on the 60-day train, or at least I hope it's not a longer train than that! 

Just got an auto-denial, no 2-3 day message, just we cannot increase your credit line at this time, or something to that effect. 

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

3/20/2017            Denied           652                  $  880.00     Instant Denial

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Nope, not on the 60-day train either, apparently:

4/16/17, Instant Denial, TU FICO 8 659, 20% Utilization

So, TU is a little higher, and utilization is a little lower. Welcome to the Disco Doghouse! (Keeping hope alive that they denied me because they are going to give me an auto-increase when my statement cuts next week.)  

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No soup at 93 days. TU 662, Util $350. I'm gonna hit it again after my statement cuts, maybe that will make a diff. Never has before, but maybe it will now. I haven't been using it for a couple of weeks, and won't until I meet my NFCU CashRewards bonus spend, so maybe that will wake them up next month, plus I will have paid off the balance by then. 0% APR ends in July. 

I know they are spooked right now, but hoping Disco hasn't completely lost that loving feeling. 

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My statement cut with no luv. But I just woke up this morning to an email informing me that my CL has been increased to $4200, that is a $900 auto CLI from Disco!!! Exactly 100 days from my last CLI. 

@Justa, you were right, it was just around the corner! 

[Anonymous]

Whoop whoop! Congrats Bella! 

[bigpoppa09]

I tried again today another denial letter in the mail 4 months since last increase.

[Anonymous]

Got my usual We cannot increase your credit limit at this time Monday message today.  I was hoping I'd get a Memorial Day surprise, but no luck.

I'm currently at about 145 days since my last CLI, which seems pretty excessive considering I was getting them every 30 days no problem for the 4-5 months prior.

[Anonymous]

My 7th statement for my secured Discover just cut on the 27th, and the evening of the 29th I got the email that I had graduated to unsecured, with an auto CLI of $1000 (from $1500 to $2500). For FICO 8 reference, my score went from TU 545 when I opened the account, to TU 669 as of the last statement. (due to other actions I've taken with respect to my score).

[Anonymous]

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@Anonymous wrote:

My 7th statement for my secured Discover just cut on the 27th, and the evening of the 29th I got the email that I had graduated to unsecured, with an auto CLI of $1000 (from $1500 to $2500). For FICO 8 reference, my score went from TU 545 when I opened the account, to TU 669 as of the last statement. (due to other actions I've taken with respect to my score).

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Congrats on the graduation and the hefty CLI!  Good to know that even larger security deposit amounts may get a decent CLI at graduation.  I'm on my 2nd statement and putting a ton of usage through but only leaving 8% to report -- hoping for a quick graduation and CLI as well so I can max out my 2% first year cash back.

Have a feeling that card will get the sock drawer after the 12th statement, though, but it's a great rebuilder.

[bizarrocreditworld]

Instant denial for CLI at 61 days

Instant denial for CLI at 91 days (but before third statement has cut)

Will check again on June 20th, when the third statement cuts.

Not a big deal for me, but it would be nice to see some movement since I bought most of the furniture for my new house with the card and have already paid most of it off. I made the last purchase on Saturday, I expect to pay it off before the statement cuts.

[Anonymous]

Just picked up another $1.1k this morning -- 61 days after last CLI. FICO 08 TU 731, Ex 720. 

[Anonymous]

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@Anonymous wrote:

Just picked up another $1.1k this morning -- 61 days after last CLI. FICO 08 TU 731, Ex 720. 

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From what limit to what limit?  I'm assuming your limit isn't > $20k?  Congrats on the increase!