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Disco CLI data point at less than 1 year

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ghost-cell
New Contributor

Disco CLI data point at less than 1 year

I opened my Discover IT Miles card on April 19, 2021 for 3k

 

Used it to pay for a hefty medical expense and have been carrying a large balance on it--- once I paid back the medical expense, I put a big car expense on it, then continued using it and my new WF CashWise as daily drivers

 

Some statement cuts were large, others I'd make significant decreases in util

 

This last cut I actually had a pretty high util, but right now it's low. Ironically, it was about to cut in a few days but I was impatient and pulled the trigger before the cut 

 

Was approved despite less than 1 year of statement cuts for a 2.5k CLI, after opening 2 new accounts (WF and FirstTech)

 

Reported an income increase of like 7k, due to scholarships. My work is doing this thing now where they give us scholarships, but it counts as taxable income. I don't know if I reported a housing cost increase or decrease. I'm never quite sure what to put, because I live "free" with my family but often contribute toward living expenses just to help out. This time I put $50 monthly, but I'm not sure what I said last time-- probably $0, $50, or $100. As I hit "submit" it took quite a while to load, as if it was thinking 

See siggy for full history 

Have -





Message 1 of 15
14 REPLIES 14
M_Smart007
Legendary Contributor

Re: Disco CLI data point at less than 1 year

Congrats on your Disco CLISmiley Happy

Message 2 of 15
CreditAggie
Community Leader
Super Contributor

Re: Disco CLI data point at less than 1 year

Congratulations on your Discover CLI!

Current Cards (in order of approval):


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

Message 3 of 15
gdale6
Moderator Emeritus

Re: Disco CLI data point at less than 1 year

Nice, grats on your Disco move on up Smiley Happy

Message 4 of 15
Total80sKid
Senior Contributor

Re: Disco CLI data point at less than 1 year

Congrats on the Disco increase 🎉

Message 5 of 15
cashorcharge
Community Leader
Super Contributor

Re: Disco CLI data point at less than 1 year

That's terrific!! Congratulations on your Discover CLI Approval!! 🥂🎉👏🏻

Message 6 of 15
Trini88
Established Contributor

Re: Disco CLI data point at less than 1 year

Congrats on your credit limit increase!!!

10/19 Quicksilver: $2K
3/21 Americard pc Customized Cash Rewards: $30K
6/21 Target RedCard: $700
6/21 Discover It: $8.5K
6/21 Victoria Secret: $6K
6/21 Savor: $2.3K
7/21 Walmat MC pc VentureOne: $4.1K
8/21 Amex BCP: $25K
11/21 Lowes Advantage: $35K
11/21 FNBO Evergreen: $25K
11/21 GS Apple Card: $4K
4/22 Chase Amazon Prime: $11.2K
7/22 Amex BCE: $8.4K
10/24 Amex Gold: Charge Card
Message 7 of 15
Titans84
Valued Contributor

Re: Disco CLI data point at less than 1 year

Congrats on your Discover CLI!

Current FICO 8:



Message 8 of 15
Rebuild2019
Valued Contributor

Re: Disco CLI data point at less than 1 year

Congratulations 🎈🎊🎉 on your CLI.

CARDS: Discover It | Kohl’s | Truist Spectrum Cash Rewards | Truist Bright | CITI Custom Cash | Chase Freedom Flex | Chase Amazon Prime Visa | VACU Cash Rewards Mastercard | Sam’s Club Mastercard | PenFed Gold Visa | NFCU CashRewards Plus | NFCU More Rewards | NFCU Platinum Visa | AMEX BCE | Verizon Visa | Wells Fargo Active Cash | Amazon Prime | AAA Daily Advantage | US Bank Cash+ | Wells Fargo Reflect | Citi Costco Visa | One Pay Cash Rewards | Wells Fargo Personal Loan | NFCU Auto Loan
>Starting Scores 05/2019: EQ:519, EX:525, TU:574

CLOSED : Capital One Quicksilver One | OpenSky |

BUSINESS CARDS: Amazon Business Prime AMEX
Message 9 of 15
Anonymous
Not applicable

Re: Disco CLI data point at less than 1 year

Congrats for your approval!

Message 10 of 15
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