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1st Discover CLI (Luv button)

Senior Contributor

Re: 1st Discover CLI (Luv button)

Congrats on your CLI !!!!


8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 11 of 21
Senior Contributor

Re: 1st Discover CLI (Luv button)


FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:

On the chopping block:

Message 12 of 21
Frequent Contributor

Re: 1st Discover CLI (Luv button)

😂😂 @FireMedic1
I love it!
BK CH7--Filed September 25, 2018--D/C Jan.4, 2019
{FICO8 Feb.12, 2019--TU 580--EX 600--EQ 626}

Credit One Visa CLOSED by me May 2020!! :-)($500 now $700) Nov. 2018
SelfLender (2 year) Nov. 2018
Capital One Platinum MC ($2000 now $2500) Jan. 2019
Target RedCard ($500 at 4 months $800 six months later $1900) April 2019
Venus Comenity ($500 now $1500) May 2019 no HP
Ann Taylor Loft MC ($1000) June 2020 no HP
Overstock ($350 now $2350) June 2020 no HP

FICO 8 SCORES: 06-04-2020633 TU656 EX652 EQ
Message 13 of 21
Valued Contributor

Re: 1st Discover CLI (Luv button)

@Outsiderdf wrote:

... I just called and got $500 more ...

^^^^ = forum knowledge producing tangible results.

Congratulations! O on your 1st DD.

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (3/12/2021): FICO 08 EXP: 748; TU: 755; EQ: 773
2020 Goal Score: 760 across the board

Take the myFICO Fitness Challenge
Message 14 of 21
Valued Contributor

Re: 1st Discover CLI (Luv button)

Congrats on your CLI!  Smiley Happy



Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Jan 2021: EX8: 850; EQ8: 850; TU8: 850 -- Middle Mortgage Score: 824
In My Wallet: Discover $73.7K; Cap1 Venture $42.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $21K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $19K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $285K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Message 15 of 21
Regular Contributor

Re: 1st Discover CLI (Luv button)

That's awesome. Congrats on the double dip as well.
Message 16 of 21
Valued Contributor

Re: 1st Discover CLI (Luv button)

@Outsiderdf wrote:

AJC, I hate to say this, I really do......I just called and got $500 more Smiley Very Happy.

Way to work it. Good job and congratulations. I have personally never been able to DD.....Smiley Happy

American Express Business Gold(NPSL 10k) Chase CSP (25k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(4.1k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (1k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(4.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (500✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until June 2021

FICO 8 Scores EX 700 EQ 696 TU 703
AAOA 5.2yrs TCL=268,700
Message 17 of 21
Regular Contributor

Re: 1st Discover CLI (Luv button)

@FireMedic1 wrote:

Above poster is correct. Its called the DD or double dip. I got 4700 total after 40, 80, and 120 days recently. Use it a lot. But with Discover the moon and the stars have to be aligned and the groundhog has to see his shadow or something like that first. YMMV. Congrats! Smiley Very Happy

is that the secret?!  Let me go find the groundhog first!

Message 18 of 21
Frequent Contributor

Re: 1st Discover CLI (Luv button)

Congatulaions!.  Out of all of my cards Discover IT is my favorite.  Started out about a year and 1/2 ago with $4,000 and it is now at $15,500. They just recently offered me the Chrome with a $3k limit.  So, will see how that one does for me.  I know they will be good to you.

Homeowner Again as of July 17, 2014. Thanks NFCU
FICOs EQ - 720/EX - 717/TU - 720/Quicksilver $3,500 / Cred 1 $2,375 / 1st Natl $3,750/ Kohl's $5k / Barclay Rew $2,250 / Mercury MC $4,400 / NFCU Visa Sig Cash Rew $19,500 / Lowes $12k / Best Buy Visa $9,400/ NFCU LOC $15k / Walmart MC $7.5k / Chase Freedom $1,500 /, Discover IT $16,500k / Discover IT Chrome $6k /Citi DC $7,200 / AMEX Everyday Preferred $2k / Citi Simplicity $7,600 / AMEX Gold/Citi Rewards $3k/Care Credit $5,750
Message 19 of 21
Established Contributor

Re: 1st Discover CLI (Luv button)

Congratulations on your CLI!

May 2021: Experian 710 Equifax 698 Transunion 715

Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS1: $4,100 || Discover It: $3,400 || Cap One Walmart: $600 (Sock drawer) || AMEX BCP: $1,000 || Amazon Prime Store Card: $6,000 || Overstock Store Card: $6,050 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $2,000

Wishlist Cards:
Citi Double Cash || Paypal Mastercard || Cap One Savor

Gardening from 03/18/2021 to 04/18/2023 (ideally)
Total Utilization: 11%
Message 20 of 21
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