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$8000 in Discover CLIs within 1 month

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Anonymous
Not applicable

Re: $8000 in Discover CLIs within 1 month


@Anonymous wrote:

@daniki wrote:

I hit the luv button last month and got a $4000 increase and then hit it again today and got another $4000 (both soft pulls). $16,600 is over double the limit of any of my other cards. I think I'll stop for a while. 

 


Why? At $8K a month you could be at $100K by March.


Smiley LOL

Message 11 of 25
Anonymous
Not applicable

Re: $8000 in Discover CLIs within 1 month

Very jealous, congratulations!

Message 12 of 25
revjamesl
Valued Contributor

Re: $8000 in Discover CLIs within 1 month

Very impressive. Congrats!

AMEX Platinum NPSL | Discover It $45.9k | Chase Sapphire Reserved $40.7k |Barclay Arrival+ WEMC $40k | PENFED Platinum Rewards VS $35k | Lowes $35k | BoA Better Balance Rewards $30k | AMEX EDP $25k | Cap 1 QS $23.25k | NASA Platinum $20k | Chase Freedom $15k | Synchrony Haverty's $16.5k | BBVA NBA Rockets AMEX $15k | FNBO AMEX $15k | Citi Diamond Preferred $10.7k | Best Buy $10k | Synchrony Rooms-to-Go $10k | US Bank Cash+ $7.5k | AMEX BCE $6k | Barclay Financing Visa 1k | |

AU on DW Accounts: Discover It $40k I AMEX BCE $30k | Chase Marriot $29.8k |

Credit Scores: 800 EQ/833 TU/831 EX
Message 13 of 25
Kenny
Moderator Emeritus

Re: $8000 in Discover CLIs within 1 month


@Anonymous wrote:

@daniki wrote:

I hit the luv button last month and got a $4000 increase and then hit it again today and got another $4000 (both soft pulls). $16,600 is over double the limit of any of my other cards. I think I'll stop for a while. 

 


Why? At $8K a month you could be at $100K by March.


Nope.. at 20k you've reached manual review aka income verification. (If your income supports it, then maybe you can be.) Smiley Very Happy

Message 14 of 25
Saleen099
Senior Contributor

Re: $8000 in Discover CLIs within 1 month

Congrats!!!!!

Message 15 of 25
Anonymous
Not applicable

Re: $8000 in Discover CLIs within 1 month


@Kenny wrote:

@Anonymous wrote:

@daniki wrote:

I hit the luv button last month and got a $4000 increase and then hit it again today and got another $4000 (both soft pulls). $16,600 is over double the limit of any of my other cards. I think I'll stop for a while. 

 


Why? At $8K a month you could be at $100K by March.


Nope.. at 20k you've reached manual review aka income verification. (If your income supports it, then maybe you can be.) Smiley Very Happy


Good to know. When I get up to that level I'll use their slider thing to drop it to $19,999. Smiley LOL

Message 16 of 25
daniki
New Contributor

Re: $8000 in Discover CLIs within 1 month

Thanks everyone. I've had a couple smaller auto CLIs and I have only hit the luv button those 2xs since I got the card in 2011 because..... well..... everyone else is doing it. I'm going to stop at $16,600. I did put my correct income but I also don't make 6 figures so I feel like this is probably it. Don't want to cause any red flags in their system.

Message 17 of 25
EW800
Valued Contributor

Re: $8000 in Discover CLIs within 1 month

Congratulations!   Smiley Happy

 

It will be interesting to see how long they continue with these CLI's of every 16 days or so! 

 

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Sept 2024: EX8: 847; EQ8: 850; TU8: 848 -- Middle Mortgage Score: 821
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
Message 18 of 25
Anonymous
Not applicable

Re: $8000 in Discover CLIs within 1 month


@EW800 wrote:

Congratulations!   Smiley Happy

 

It will be interesting to see how long they continue with these CLI's of every 16 days or so! 

 

 


Three more would be just right.

Message 19 of 25
EW800
Valued Contributor

Re: $8000 in Discover CLIs within 1 month

They seem to be giving me $1500 each time, so 2 or 3 more times for me would be just perfect as far as staying out of the FR territory. Smiley Happy
Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Sept 2024: EX8: 847; EQ8: 850; TU8: 848 -- Middle Mortgage Score: 821
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
Message 20 of 25
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