cancel
Showing results for 
Search instead for 
Did you mean: 

Disco CLI - 2 months in a row

tag
radfam
Frequent Contributor

Disco CLI - 2 months in a row

Sharing a data point.  Seeing some score movement upwards while also paying down utilization, so I began asking Disco for a cli.  I had been denied for a year until last month.  Originally was at 93-96% UTL as of this time last year on this card, making minimal paydown progress with only minimum monthly payments.  Fast forward to last month.  Asked on 2/5 (sitting at 77.88% utl), approved and this took me to 57.4% utl.  Asked again on 3/7, approved, and this has taken me to 46% utl.  Still working on paying down the remainder of the balance and throwing more cash at it in my debt payoff plan in the next 6 months.

 

CL $4200 > $5700 > $7000 

 

 

Fico 8 as of 03/09/2023:



Message 1 of 22
21 REPLIES 21
JoeRockhead
Community Leader
Super Contributor

Re: Disco CLI - 2 months in a row

Very nice growth, congratulations on your Disco CLI successes! 

Message 2 of 22
Yasselife
Valued Contributor

Re: Disco CLI - 2 months in a row

Congratulations on your approval! @radfam 


Gardening since: August 11, 2025
Message 3 of 22
CYBERSAM
Senior Contributor

Re: Disco CLI - 2 months in a row

Congrats on your Disco CLI 🥂🤑👍

Be cautious of paying minimum monthly payments on Disco account! They don't like that in long run and could CLD you even after CLI! Yah they weird like that...







                
Message 4 of 22
coreyb80
Super Contributor

Re: Disco CLI - 2 months in a row

Congrats on the increases!

Message 5 of 22
JoeRockhead
Community Leader
Super Contributor

Re: Disco CLI - 2 months in a row


@CYBERSAM wrote:

Congrats on your Disco CLI 🥂🤑👍

Be cautious of paying minimum monthly payments on Disco account! They don't like that in long run and could CLD you even after CLI! Yah they weird like that...


Excellent point @CYBERSAM I completely forgot about this Miss Disco quirk.

Message 6 of 22
CreditMagic7
Mega Contributor

Re: Disco CLI - 2 months in a row

Congrats on another new Discover Card Increase!

Message 7 of 22
Rdbeetle
Valued Contributor

Re: Disco CLI - 2 months in a row

Congrats on your Discover CLI for two months straight!!!

SchoolsFirst FCU Rewards WMC $25k
US Bank Cash+ $15k
AMEX BCP $10k
Walmart CashRewards WMC $5k
FICO 8 Scores: EX 796 I TU 800 I EQ 802
Message 8 of 22
Creditwiser
Valued Contributor

Re: Disco CLI - 2 months in a row

Big congrats on two timing Miss Disco. !  Gives me hope as well.Smiley Wink

NFCU Visa 43k | NFCU Platinum 37k | Cap1 QS 14.5K | Cap1 QS 12.5K | Barclay MC 25k | Delta Gold Amex 40K | Discover IT 22K | CFNA FS 3600 | CareCredit 20k| PayPal Credit 10k |
Message 9 of 22
CreditAggie
Community Leader
Super Contributor

Re: Disco CLI - 2 months in a row

Congratulations on your Disco CLI!

Current Cards (in order of approval):


         
Current FICO 8 | 9 (December 2025):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 10 of 22
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.