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Auto-CLI: Is Discover Run by Aliens?!

ridgebackpilot
Established Contributor

Auto-CLI: Is Discover Run by Aliens?!

Maybe I should just give up trying to figure out how the folks at Discover make decisions. Or maybe they really are from another planet! Here's what happened this week:

 

Last week, I applied for a CLI on my Discover IT card. I've had the card since December 2018 and the SL has grown steadily. My last CLI was in June 2019 and brought me to a SL of $11,500. This is my second Discover IT card; the first one has a SL of about half that.

 

So last week I applied for a CLI as I do occasionally, just to see if Discover is amenable. As you know, it doesn't hurt to ask since Discover uses monthly soft pulls to determine eligibility for a CLI. My request was denied due to the usual "Too many accounts with balances," and "Balances on accounts too high", etc. At the time, the utilization on my card was about 48%.

 

Today, just a few days after receiving the letter from Discover about my latest CLI denial, I was astonished to receive an Email letting me know they'd granted me an auto-CLI to $14,000! The Email said, "Good news! We've increased your credit line. We've noticed your excellent credit management overall and increased your credit line to $14,000." Go figure!

 

Thanks, Discover, for the unexpected and welcome auto-CLI. But I sure wish I could figure out how they make decisions at Discover HQ...!

 

For reference point, FICO 8: EX 714, EQ 711, TU 721

Thick file, high income, low DTI

 

Message 1 of 22
21 REPLIES 21
Brian_Earl_Spilner
Community Leader
Mega Contributor

Re: Auto-CLI: Is Discover Run by Aliens?!

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Message 2 of 22
M_Smart007
Epic Contributor

Re: Auto-CLI: Is Discover Run by Aliens?!

Message 3 of 22
AllZero
Super Contributor

Re: Auto-CLI: Is Discover Run by Aliens?!

Congratulations on your PCLI!

Message 4 of 22
MyFault
Valued Contributor

Re: Auto-CLI: Is Discover Run by Aliens?!

Congrats on your auto CLI!



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Message 5 of 22
CreditAggie
Senior Contributor

Re: Auto-CLI: Is Discover Run by Aliens?!

Congratulations on your Discover auto-CLI!

Current Cards (in order of approval):


Current FICO 8 | 9:

Credit Age:

Inquiries (24 month):

Banks & CUs:

Goal Cards:



Currently: 2/6, 2/12, 5/24
Message 6 of 22
ClassicMan
Valued Contributor

Re: Auto-CLI: Is Discover Run by Aliens?!

Congrats on your CLI.

12/18/19




05/27/20





Cards

Authorized User
Message 7 of 22
gdale6
Moderator

Re: Auto-CLI: Is Discover Run by Aliens?!

LOL, computers making all the decisions, sometimes seems no rhyme or reason. Grats to the auto luv Smiley Happy

Message 8 of 22
AllThingsInTime
Established Contributor

Re: Auto-CLI: Is Discover Run by Aliens?!

@ridgebackpilot  Super Congrats on your Discover CLI to $14,000!!! Smiley Very Happy

 

How Lady Disco grants CLIs truly is a mystery to us all. Thanks for sharing! Smiley Very Happy 

Message 9 of 22
Dogbert
Valued Contributor

Re: Auto-CLI: Is Discover Run by Aliens?!

Congrats on the CLI...

 

and who knows? 

 

 

Translation: WE ARE NOT RUN BY ALIENS.  PROMISE!

 

  
  
---- NAILED IT!

Message 10 of 22
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