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Disco CLI & Combine 2 Cards

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Valued Contributor

Disco CLI & Combine 2 Cards

Disco1 (SL 8k) was originally issued 5+ years ago.

Disco2 (SL 3k) came 1 1/2 years ago, not long after I had discovered this place.

 

Disco1 has been sockdrawered until very recently. The 1st year 10% category cashback on Disco2 was too hard to pass up. It's even a decent 2% on non-category spend. No reason to use Disco1.

 

But I learned last year that to combine the two cards the receiving one needs to be eligible for a CLI. The donor card does not. So last month I used Disco1 some after literally zero use for almost 18 months. I tried for a CLI two weeks ago after the statement cut = denied.

 

Today I was idle and tried again = 2000 CLI. I called in for the DD and was offered another 500. Then I asked to combine the credit limits and to close Disco 2, the newer card. CSR said, "Sure, no problem." She came back about five minutes later with a problem: to combine the cards would cost me the extra 500 CLI. She wasn't sure why. Thought it might be a new process. I thought of HUCA , but decided against. My account has since been updated reflecting the changes.

 

DPs:

New CL = $27,500

CLI: $2000

SP TU: 748

4th CLI since 8/2019

Had a recent run of CLI 3 straight months detailed here.

 

Disco Luv is real Smiley LOL

 

EDIT: Now 5 hours later and I checked the Disco pre-approval site -- I'm good to go if I want to add a 2nd card again. If only it showed the SL. What to do what to do what to do?

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (05/20/2020): FICO 08 EXP: 743; TU: 751; EQ: 759
2020 Goal Score: 760 across the board


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Message 1 of 13
12 REPLIES 12
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Community Leader
Mega Contributor

Re: Disco CLI & Combine 2 Cards

Luvin da DiscoSmiley Happy so...only $500 to combine?Smiley Wink The anti SUB😂
Message 2 of 13
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Mega Contributor

Re: Disco CLI & Combine 2 Cards

Congratulations!

Message 3 of 13
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Super Contributor

Re: Disco CLI & Combine 2 Cards

Congratulations on your CLI and account combination!

Message 4 of 13
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Frequent Contributor

Re: Disco CLI & Combine 2 Cards

Congrats!
Message 5 of 13
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Established Contributor

Re: Disco CLI & Combine 2 Cards

Congrats on your CLI.

12/18/19




05/27/20





Cards

Authorized User
Message 6 of 13
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Community Leader
Mega Contributor

Re: Disco CLI & Combine 2 Cards

@JamesA, go for another disco! We need data points on whether you'll be asked for a 4506-T Smiley Wink.
Message 7 of 13
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Valued Contributor

Re: Disco CLI & Combine 2 Cards


@AverageJoesCredit wrote:
@JamesA, go for another disco! We need data points on whether you'll be asked for a 4506-T Smiley Wink.

You would have me be the canary in the mine shaft, eh? And here I thought we were becoming pals! 

 

I can't take credit for the CLI/Combine/Close/Open idea. Another poster did this a few months back -- in fact, got the new 2nd card minutes after closing the old 2nd card. Hopefully there would be an update if this caused problems.

 

But I don't see why this action would too ruffle Discover's feathers. Especially if is offset by regular responsible use and on-time payments. 

 

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (05/20/2020): FICO 08 EXP: 743; TU: 751; EQ: 759
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
Message 8 of 13
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Frequent Contributor

Re: Disco CLI & Combine 2 Cards

Congrats on the Disco Marriage
I guess $500 was the cost of their wedding documents SMH 🤦‍♂️ Disco still luvs to dance to their own songs...aww Disco Disco 😆

Nonetheless you are
🦇🦇🦇🥊💥🥊💥🥊💥✅✅✅


2018 Dec Starting Score: 700
Current Score: 768
Achieved Goal Score 2020: 800


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Message 9 of 13
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Valued Contributor

Re: Disco CLI & Combine 2 Cards

Congratulations! 👍




My Cards:






Profile Type: New, Thick, 100% Clean
INQ's: EQ: 0 TU: 1 EX: 3 (last 12 mo.)
Recent Accounts: 4 (last 24 mo.)
Total CL: 28.95k Util. 3% AAoA: 1yr, 8mo.
AoOA: 2 yrs, 8 mo. AoYA: 0 mo. 100% PIF.





myFICO Member since: July 21, 2018 | Joined Community: Aug. 17, 2018 | Starting Scores: EQ: 716 TU: 738 EX: 698
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