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Disco CLI

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Disco CLI

I got my Disco mid November with a $7,000 SL. I opened it for a balance xfer, and used it pretty heavily for purchases these past few months to maximize my cash back match. Since I've got 0% APR on purchases and BT, while I've been making 2-3x the minimum payment, I've been keeping most of my cash in interest bearing accounts until I need to pay off the purchases before the 0% expires. As a result, my utilization is pretty high right now (69%). 

 

I tried the love button 31 days in, but got a "need more experience at this credit limit" response. No real surprise. Just tried again, and honestly wasn't expecting anything because of the high utilization but got a $500 increase! I'd have loved a little more to help with the utilization until I pay off the purchases in a couple of months (that APR promotion ends in May), but I'll take it!

Message 1 of 9
8 REPLIES 8
Frequent Contributor

Re: Disco CLI

At least they were willing to throw you a bone!  Congrats!  Discover has been giving some crazy love in the CLIs recently from what folks have been posting... keep them happy and they'll keep you happy!

  
(Sigh, farewell dear CSR. Though we only were together briefly, you'll be missed....)

  
  

Formerly GrowOrDie
Message 2 of 9
Community Leader
Super Contributor

Re: Disco CLI

Congrats on the increase despite how small it is. Think once you pay that balance off you might get a different response.

Message 3 of 9
Valued Contributor

Re: Disco CLI

Congrats on the CLI! I'm hoping to get some sort of increase on mines soon as well!


Scores - All bureaus 750 +/-
TCL - Est. $275K
Message 4 of 9
Regular Contributor

Re: Disco CLI

Congrats on the CLI. I can not seem to break Discover. Stuck at a $2000 SL. Tried heavy use, tried light use, tried no use. Still nothing in almost a year. I guess they just dont like my profile. LOL  



Starting Score: TU 527, EQ 543, EX 563
Current Score: TU 690, EQ 677, EX 694
Goal Score:725 Across The Board


Take the myFICO Fitness Challenge
Message 5 of 9
Community Leader
Super Contributor

Re: Disco CLI

Nothing wrong with a little AJC SpecialSmiley Happy Even i cant one, go figureSmiley Wink
#ChaseCreditCardHobby Enthusiast
2022
!
Message 6 of 9
Senior Contributor

Re: Disco CLI

COngrats on CLI !!!

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 7 of 9
Frequent Contributor

Re: Disco CLI

Congratulations on your CLI don’t worry if everything goes as you plan there’s a pot of gold at the end of the rainbow 🌈. When did you app for your 2 attempt at a CLI? Just curious cause I plan on doing the same. I just got mine and did a BT. Good luck with it nonetheless 👍.
Capital One Quicksilver 6,300
5/3 Truly Simple 2,300
5/3 Trio 3,200
Barclay Apple 1k
Citi Rewards+ 6,100
Citi Double Cash 8,300
Citi Simplicity 1,500
Home Depot 1,000
Discover 7,500
BB&T Rewards 4,500 BB&T Bright Card 4,500 Fico 8 Scores EQ=690 EX=670 TU=666 Scores and CL current as of 7/24/19 AAoA=7yr6months AoOA=17yrs
Message 8 of 9
Senior Contributor

Re: Disco CLI

Congratulations on your CLI!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 9 of 9
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