Another Discover CLI Approval- AU- Wife Primary

FalconSteve · ‎10-15-2022

Just in time for Black Friday (ok, I'm HIGHLY unlikely to use 1% cashback for Black Friday... or, well, ever, I've already maxed out the 5%- With totally reimbusible purchases... free money)

We got a small increase, but they went about a year without giving us anything, I don't think that Discover's masters like you paying off everything except one card (which you leave a token balance on) right before statement close. Or, the monkeys hit the approve part of the dart board again... we'll never know. Regardless, we were approved for an additional $2500 credit line (love that padding). Also, NONE of that was actually stuff that we have to pay for personally, so it's like going from a $15,800 CL to a $18,300 CL for free =)

Does anyone else have a decent credit limit, but their cash advance line is... subpar? It's something I'd never use, so it isn't incredibly important, I just find it odd. It was $300 until August.

1/8/17 Discover $18300 CL- $1k SL- AU, no longer on reports b/c of error (wife's card)
1/26/20 AmEx Cash Magnet $35k CL (wife's card)
2/19/20 BB&T/Truist Rewards $11k SL- impulse application
2/22/20 Citi Double Cash WEMC $17,400 CL, $2900 SL- AU- (wife's card)
3/8/20 Wells Fargo Propel AmEx $5000 CL (AU, wife's card, not on CR b/c I was temporarily removed as an AU)
3/9/20 BB&T/Truist Rewards $11k SL- AU, not on reports- impulse app (wife's card)
3/21/20 REDcard MasterCard (TD Bank) $2500 SL, $6000 CL
11/24/20 AmEx Cash Magnet $10k SL, CLI after 36hr to $20k- $35k CL
6/10/21 SoFi World Elite MC (TBOM) $7000 SL
1/19/22 AppleCard/GS $10k CL, SL $6k SL AU, wife
8/15/22 Chase freedom $10.3k wife (not an AU yet)

Credit Scores for both of us around 800, depending on what you pull & balances. All PIF, frequently before statement close

firefox100 · ‎10-15-2022

Congratulations on the discover credit increase. I have a Discover with 29K limit and cash advace limit of 2.5K, got this account back in june of 2016.

SUPERSQUID · ‎10-15-2022

CONGRATS!!!!!

My 1st disco had a 3000 sl and only a 600 cash advance limit. My 2nd disco has a 6000 sl but has a 3000 cash advance limit.

I never use cash advances anyway.

{ BK7 DC 12/2019 } target 1300/ kohls 3000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 2500 /first savings bank cc 2500/ cap1 QS 5000/ cap 1 savor one 3100 /comenity rewards mc 3k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 15700/bread cashback amex 8000

>/ nfcu platinum 9k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 39k
Total utilization 11 - 14 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 87k
Retired since 2017

FalconSteve · ‎10-15-2022

Thanks @SUPERSQUID

1/8/17 Discover $18300 CL- $1k SL- AU, no longer on reports b/c of error (wife's card)
1/26/20 AmEx Cash Magnet $35k CL (wife's card)
2/19/20 BB&T/Truist Rewards $11k SL- impulse application
2/22/20 Citi Double Cash WEMC $17,400 CL, $2900 SL- AU- (wife's card)
3/8/20 Wells Fargo Propel AmEx $5000 CL (AU, wife's card, not on CR b/c I was temporarily removed as an AU)
3/9/20 BB&T/Truist Rewards $11k SL- AU, not on reports- impulse app (wife's card)
3/21/20 REDcard MasterCard (TD Bank) $2500 SL, $6000 CL
11/24/20 AmEx Cash Magnet $10k SL, CLI after 36hr to $20k- $35k CL
6/10/21 SoFi World Elite MC (TBOM) $7000 SL
1/19/22 AppleCard/GS $10k CL, SL $6k SL AU, wife
8/15/22 Chase freedom $10.3k wife (not an AU yet)

Credit Scores for both of us around 800, depending on what you pull & balances. All PIF, frequently before statement close

FalconSteve · ‎10-15-2022

Thanks @firefox100

1/8/17 Discover $18300 CL- $1k SL- AU, no longer on reports b/c of error (wife's card)
1/26/20 AmEx Cash Magnet $35k CL (wife's card)
2/19/20 BB&T/Truist Rewards $11k SL- impulse application
2/22/20 Citi Double Cash WEMC $17,400 CL, $2900 SL- AU- (wife's card)
3/8/20 Wells Fargo Propel AmEx $5000 CL (AU, wife's card, not on CR b/c I was temporarily removed as an AU)
3/9/20 BB&T/Truist Rewards $11k SL- AU, not on reports- impulse app (wife's card)
3/21/20 REDcard MasterCard (TD Bank) $2500 SL, $6000 CL
11/24/20 AmEx Cash Magnet $10k SL, CLI after 36hr to $20k- $35k CL
6/10/21 SoFi World Elite MC (TBOM) $7000 SL
1/19/22 AppleCard/GS $10k CL, SL $6k SL AU, wife
8/15/22 Chase freedom $10.3k wife (not an AU yet)

Credit Scores for both of us around 800, depending on what you pull & balances. All PIF, frequently before statement close

Jordan23ww · ‎10-15-2022

Congratulations on your limit increase! Regarding the cash advance limit something seems off. It's supposed to be a certain percentage of the card's credit limit. Usually it is 3% or 5% of your credit limit. Here's my limit and cash advance amount.

KingRue8500 · ‎10-16-2022

Congrats on your Discover CLI

cashorcharge · ‎10-16-2022

WooHoo!! Congratulations on your Approval!!👏🏼🍾🥂

PapaTunde · ‎10-16-2022

Congrats on your Disco love

All Fico9 835+ or there abouts

These violent delights have violent ends

MySunset271 · ‎10-16-2022

Congratulations on your Discover CLI🎉🎉🎉

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Another Discover CLI Approval- AU- Wife Primary

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Re: Another Discover CLI Approval- AU- Wife Primary

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Re: Another Discover CLI Approval- AU- Wife Primary

Re: Another Discover CLI Approval- AU- Wife Primary

Re: Another Discover CLI Approval- AU- Wife Primary