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2 SP CLIs - Discover ($76K) & Citi Executive ($61K)

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FinStar
Moderator Emeritus

Re: 2 SP CLIs - Discover ($76K) & Citi Executive ($61K)


@pizza1 wrote:

@FinStar , jeeezz Fin, leave some for the rest of us why dont ya!  Those are cray cray limits! LOL Smiley Wink Super awesome, and congrats! Smiley Happy


Ha!  There's plenty to go around but I don't know why Discover gets like they do.  I so fondly remember the rollercoaster train that @baller4life introduced us several years ago.  Thanks @pizza1!

Message 41 of 54
ZackAttack
Established Contributor

Re: 2 SP CLIs - Discover ($76K) & Citi Executive ($61K)


@FinStar wrote:

@ZackAttack wrote:

76k???? It makes me wonder how far can the SL of that discover card can go up to. 100k maybe???

 

They pull TU right?


I've heard there's some folks who have it near $100K, but I'm sure it may plateau around $80K in my case...maybe Smiley Tongue.   I haven't checked, but I believe the SP was through TU. 


Well sounds like I gotten a SP on my $1200 increase (#1 increase) ... just makes me wonder if the next CLI will be a HP from discover

MSGCU Rewards | $8kDiscover Cash It | $10kAmex BCP | $15kBest Buy Visa | $20kChase Freedom Flex | $8kDCU Platinum | $8kNFCU Plat | $35kNFCU cashRewards | $24kAffinity FCU Cash Rewards | $7kAmazon Prime | 12.5kChase Unlimited | 16.4kUSAA Cashback Rewards Plus Amex | 10kAmex Business Cash | 10k


Loans
Ford Credit Car Loan 2-year 6/22/2023 ($299/month)
Closed
Michigan Schools & Gov't CU Titanium 1/4/2019 - 10/2/2020
Ford Credit Car Loan 3-year 7/31/2018-6/6/2021
$1,500 Discover Card 10/2/2020 - 8/18/2021
$3,500 Citi DC 10/14/2020 - 12/11/2021
$8,000 DCU Personal Loan 5-year 5.99% 10/2/2020 - 4/30/2021
$8,000 NFCU CashRewards 1/2/2021 - 7/30/2022
$5,000 MSGCU Personal Loan 3-year 7.75% 4/22/2022 - 10/30/2022
Ford Credit Car Loan 2-year 6/7/2021 - 6/22/2023
Message 42 of 54
FinStar
Moderator Emeritus

Re: 2 SP CLIs - Discover ($76K) & Citi Executive ($61K)


@ZackAttack wrote:

@FinStar wrote:

@ZackAttack wrote:

76k???? It makes me wonder how far can the SL of that discover card can go up to. 100k maybe???

 

They pull TU right?


I've heard there's some folks who have it near $100K, but I'm sure it may plateau around $80K in my case...maybe Smiley Tongue.   I haven't checked, but I believe the SP was through TU. 


Well sounds like I gotten a SP on my $1200 increase (#1 increase) ... just makes me wonder if the next CLI will be a HP from discover


Nah, I wouldn't think so @ZackAttack.  Typically, if a HP is required, a prompt would follow.  So, it's possible you'd continue to get SP CLIs going forward like the great majority Smiley Happy

Message 43 of 54
credit_is_crack
Valued Contributor

Re: 2 SP CLIs - Discover ($76K) & Citi Executive ($61K)

LOL @FinStar those limits are borderline psychotic lol Congrats on pushing the limits over and over, especially on that Discover. I know some of us know they can be generous but your account really shows it. 

Message 44 of 54
stonedog23
Frequent Contributor

Re: 2 SP CLIs - Discover ($76K) & Citi Executive ($61K)


@AverageJoesCredit wrote:
Congrats @FinStarSmiley Happy. Looks like you could fit my whole profile in your two cards lolSmiley Wink. Id be scared with a 76k Discover, id bt me a whole car🤯

I was thinking the same thing. Go into a dealership and plop down a credit card 

NFCU GoRewards Sig ($40,000), NFCU Cash Rewards ($33,000), PenFed Power Cash ($25,000), FNBO Evergreen Visa ($20,000), Bread Financial Rewards Amex ($19,150), PNC Cash Rewards ($18,400), PNC Cashbuilder ($18,700) , Citi Double Cash ($9600), Discover It Cash ($9000), Walmart MC ($8000), Bank of America Unlimited Cash Rewards ($7500), Fifth Third Unlimited Cash Back Mastercard ($7500), Wells Fargo Active Cash Sig($7000), Apple Card ($6000), Amex BCE($6000), Amex ED($6600), X1 Card ($5000), PNC Points ($8000), Amex Cash Magnet($2000), Fifth Third Truly Simple ($4000), Truist Spectrum Cash Rewards($4500), Truist Bright Card($4500), CapOne Quicksilver(Bucketed @$1500), US Bank Cash+ ($5,000), US Bank Cash+ ($1,000), WF mortgage 195K Fico 8: EQ 766, TU 763, EX 753, FICO 9:EQ 829, TU 812, EX 791, AAoA-97 months, AoOA-28 years
Message 45 of 54
9CLINE
Valued Contributor

Re: 2 SP CLIs - Discover ($76K) & Citi Executive ($61K)

 @FinStar Awesome cli's great to see ya being rewarded for your hard work.....Congratsgiphy 9.gif

Tear 'em up Fin !!!!!!!!!!!!!!!!!!


Message 46 of 54
Anonymous
Not applicable

Re: 2 SP CLIs - Discover ($76K) & Citi Executive ($61K)

Discover is a mystery? You seldom use the card and have the highest CL I have read about anywhere!!! Just amazes me! Seems you need to keep doing what you are doing whatever that may be? Smiley Happy

Message 47 of 54
UncleB
Credit Mentor

Re: 2 SP CLIs - Discover ($76K) & Citi Executive ($61K)

Well, I'm late to the party (as usual... <sigh>) but in any case those are some absolutely amazing CLIs my friend!  screamer.gif

 

Great job!  Smiley Very Happy

 

Message 48 of 54
CreditMagic7
Mega Contributor

Re: 2 SP CLIs - Discover ($76K) & Citi Executive ($61K)

@FinStar-A relevant question that can contribute toward another useful data point in another category given this very nice swell of events for you on those 2 beauties.

 

Do either or both of those cards factor into your FICO utilizations at all?

 

There is been some debate in the past of thresholds where >50K+ are separated (depending on some breakpoint) where they become for FICO scoring purposes vitually almost as a HTL.

 

 

Message 49 of 54
FinStar
Moderator Emeritus

Re: 2 SP CLIs - Discover ($76K) & Citi Executive ($61K)


@credit_is_crack wrote:

LOL @FinStar those limits are borderline psychotic lol Congrats on pushing the limits over and over, especially on that Discover. I know some of us know they can be generous but your account really shows it. 


Thank you @credit_is_crack.  I suppose I'll see how far Discover let's it rise Smiley Tongue

Message 50 of 54
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