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Has anyone gotten a Discover CLI in less than 1 year during 2020?

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FinStar
Moderator Emeritus

Re: Disco it cash back CLIs

When was the last time you requested a CLI?  Are those scores FICO or...? 

Message 21 of 25
noonebutme
Established Member

Re: Disco it cash back CLIs

Yes those are Fico scores, I ask every couple months, but I quit asking because it hasn't been open a year. 

Message 22 of 25
Iusedtolurk
Established Contributor

Re: Disco it cash back CLIs


@noonebutme wrote:

Hey everyone,

 

I was curious about disco's cli's. I know that they have some secret squirrel way of deciding, but what have people been getting after the one year anniversary? 

I started with a limit of $750

my scores were low 600's when approved and now they are high 600's bordering 700. Never late and only carried a balance for maybe two months. 

thanks in advance. 


Seems to be a consensus since the pandemic that Disco will only consider a cli after 1 year of having the account (probably safer to apply after 12th statement cuts and you can also see your new credit scoret that you are working with.

 

No one can really tell you how much you will qualify for due to the increases being profile specific.

 

Some people have said they received 10% or more of current startling limit and if I recall correctly one member stated they received a cli 3x their sl (sl 1000 3x=3000). The only way to really know is to put in the request and see what happens. That will eliminate all guesswork. They are softpulls so will not effect you in anyway negatively.

 

Push the button and let us know what happens. Good Luck!

 

 

Message 23 of 25
lyTENciL
Regular Contributor

Re: Disco it cash back CLIs

I just got confirmation from Discover on when accounts become CLI eligible. It will be Day 1 of the 13th calendar month. For example, I opened my card in January 2020. Therefore I am eligible on Feb 1, 2021.


FICO (12/22): EX8 838. TU8 826. EQ9 837.
Profile: Clean/thick/aged/new. Revolvers: 7 open, 1 closed. 1 Install.
AoOA/RA 20y. AAoA 4.5y. AoYA/RA 6m. TCL $128.3K.
Message 24 of 25
Credit4Growth
Senior Contributor

Re: Disco it cash back CLIs


@lyTENciL wrote:

I just got confirmation from Discover on when accounts become CLI eligible. It will be Day 1 of the 13th calendar month. For example, I opened my card in January 2020. Therefore I am eligible on Feb 1, 2021.


Appreciate the confirmation, thanks on the leg work done! 👍✌🖖

 

 

 

Message 25 of 25
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