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DISCOVER CLI OF 6K TO $30,000

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KELSTAR
Regular Contributor

DISCOVER CLI OF 6K TO $30,000

Hi all,

 

Sharing some data points that are not in my signature.

 

Online soft pull. Didn't need the increase but wanted to know if there was another increase on card as I think that my highest balance on the card has been $1500 since opening in October 2017.

Discover asked for standard income, assets, housing payment....submit....increase of 6k.

I had $600 balance and had about 40 swipes during this quarter of 5% bonus at gas stations.

Balances this year have been between $200-$600 monthly.

I was denied an increase 2 times in the last 6 months for length of time with current limit.

My last increase was from 22.5k to 24k about 6 months ago when scores were about 60 points lower.

Opened account with 15k SL 10/17 with Experian score of around 684.

 

I think I am done with requesting more on this card. 30k is a nice feeling number and my goal is to only get 20k on all cards.

 

Take care all!

 

Signature as of 10/01/21. Clean file. MYFICO 3B. I live in Green Bay, Wisconsin for those tracking what credit bureau is pulled by location.
FICO 8 EQ=796 TU=799 EX=801
FICO 9 EQ=816 TU=816 EX=813
MORTGAGE SCORES EQ=773 TU=782 EX=787
AAoA=4Y3M AoOA=11Y4M AoYA=5M
VANTAGE SCORES EQ=825 TU=813 EX=813
BUSINESS CREDIT SCORES. Formed LLC 6/1/18. YEARLY SALES=3M
EXPERIAN BUSINESS CREDIT SCORE=77 EXPERIAN FINANCIAL STABILITY RISK RATING=1 SMALL BUSINESS SCORE SERVICE SCORE=210 D+B=80
HARD PULLS last 12 months EQ=1 TU=1 EX=1 Three new accounts reporting.
HARD PULLS last 24 months EQ=1 TU=2 EX=2 Four new accounts reporting.
INCOME=$290k as of 10/01/21 for income stated on applications. DTI=2.5% Business sales 300k monthly.
MAIN BUSINESS and PERSONAL BANKING=CHASE
MORTGAGE=800K 03/21 2.25%
INSTALLMENT LOAN. Vehicle loan opened 08/18. Zero down. 45K at 0% for 60 months LINCOLN FINANCE.

OPEN PERSONAL ACCOUNTS/OPEN DATE
DISCOVER=34k 10/17 CITI COSTCO VISA=16k 06/18 US BANK CASH+=7k 06/18 PENFED PLATINUM REWARDS=10k 07/18 CHASE FREEDOM=10k 07/19 CHASE SAPPHIRE RESERVE=14.1k 09/20 AMEX PLATINUM= NPSL 04/21 AMEX HILTON SURPASS=10k 05/21

OPEN BUSINESS ACCOUNTS/OPEN DATE
CHASE INK CASH=10k 07/18 AMEX MARRIOT BONVOY=10k 02/19 CHASE INK UNLIMITED=10k 09/19 US BANK BUSINESS CASH=29k 10/19 WELLS FARGO BUSINESS PLATINUM=20k 11/19 AMEX LOWES BUSINESS=15k 11/19 AMEX BLUE BUSINESS PLUS=35k 02/20 CHASE INK PREFERRED=50k 07/20 AMEX BUSINESS GOLD=NPSL 09/20 AMEX BUSINESS PLATINUM=NPSL 05/21 CHASE BUSINESS LINE OF CREDIT= 225k 09/21
Message 1 of 18
17 REPLIES 17
simplynoir
Community Leader
Mega Contributor

Re: DISCOVER CLI OF 6K TO $30,000

Congrats on the increase!

Message 2 of 18
Anonymous
Not applicable

Re: DISCOVER CLI OF 6K TO $30,000

Nice increase, congrats! 

Message 3 of 18
Anonymous
Not applicable

Re: DISCOVER CLI OF 6K TO $30,000

Nice CLI!  Thanks for sharing the dp's!

Message 4 of 18
Anonymous
Not applicable

Re: DISCOVER CLI OF 6K TO $30,000

Congrats 🙂. Lots of big CLI from discover lately.
Message 5 of 18
Anonymous
Not applicable

Re: DISCOVER CLI OF 6K TO $30,000

Congrats on a killer CLI!!
Message 6 of 18
FireMedic1
Community Leader
Mega Contributor

Re: DISCOVER CLI OF 6K TO $30,000

Whoa!!!!!!!!!!! Congrats!!!!!!!!!!!


Message 7 of 18
Marz2002
Senior Contributor

Re: DISCOVER CLI OF 6K TO $30,000

BOOM !!!...You...

awesome congratulations GIF by Slanted Studios

CONGRATS  on your MASSIVE  Disco CLI and Thanks for the DPs!!!

AMEX BCP $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $15.2K | Citi Rewards WMC $15.5K | Citi Costco VS $12K
Citi Custom Cash WEMC $7.8K | Synchrony (PayPal Credit $6K, Care Credit $15K, & PayPal 2% MC $10K, VENMO VS $6.5K)
PNC Cash Rewards VS $10.5K | NFCU cashRewards VS $14K | NFCU More Rewards AMEX $37.5K | NFCU Flagship Rewards VS $23K
Discover IT $22.5K | BB&T Cash Rewards $4.5K | Macy's AMEX $25K | Bloomingdales AMEX $20K | Apple Card WEMC $9K
PenFed Power Cash Rewards VS $7.5K

Total CL - $284K+
Message 8 of 18
MoneyBurns
Frequent Contributor

Re: DISCOVER CLI OF 6K TO $30,000

30k!! Grats!!!!!

My Current Active Credit Cards
Message 9 of 18
Anonymous
Not applicable

Re: DISCOVER CLI OF 6K TO $30,000


@KELSTAR wrote:

 

I was denied an increase 2 times in the last 6 months for length of time with current limit.

 


Nice increase.

 

Can you confirm the exact wording of your previous denial reasons?  Based on what you wrote above, I'm assuming it was the standard "Insufficient experience with current Discover card credit limit" right?

Message 10 of 18
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