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Discover $1,000 CLI Approval - A BIG deal for me!!

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SuperFlyEDSguy
Contributor

Re: Discover $1,000 CLI Approval - A BIG deal for me!!


@Anonymous wrote:

Now I'm curious: how old is that C1 $900 card, did it get any cli? 😈 I really should've started, even if secured, with Disco.


First, I wish I knew how awesome Discover was when I started my rebuild. It was not until later that I found out and was like "why am I so late to the party?!" I'm just glad I decided to get in with them at all as they're probably tied with AMEX & NFCU for my favorite bank/issuer! You live and learn, right?!

 

That Cap 1 was my very first card in my rebuild and started it's life on 8/24/2020 as an unsecured Platinum Card with their standard $300 limit. After not yet being handed a CLI, I requested one on Pi Day 2021 and received a sole Benjy bringing my new limit to $400! I received my first and only auto-CLI in November 2021, but it was a bit more promising as this one more than doubled the limit bringing it to $900!

 

Now, the day I got upset and was already up to two canceled cards, they offered to "upgrade" it to the Quicksilver (for Good Credit) that I just canceled (with the $300 limit causing me to lose it like a chimp throwing a screaming fit). This "upgrade" did nothing for my credit line or APR, but I got Unlimited 1.5% Cash Back, which was at least something the Platinum didn't have.

 

As this was my very first card since rebuilding, I am hanging onto it as I need something to age my accounts even a little bit! It was about loyalty, but when your oldest card has your second lowest credit line, well, forget loyalty as it's a two way street! This is why Cap 1 raises my blood pressure, it seems the more you should be rewarded for using your credit wisely, the less favorable you are to them as you're not making them fees and interest like it's nobody's business!

Open Accounts: AMEX Platinum Card: NPSL • AMEX Gold Card: NPSL • PayPal Cashback World Mastercard: $24K • NFCU More Rewards AMEX: $23K • NFCU Platinum Visa: $23K • NFCU Visa Signature Flagship Rewards Card: $20K • Fidelity Rewards Visa Signature Card: $15K • Bread 2% Cashback AMEX: $11,650 • U.S. Bank Altitude Go Visa Signature Card: $10K • Verizon Visa Signature Card: $10K • Amazon Prime Store Card (Synchrony Bank): $10K • Discover it Miles: $9.5K • AAA Visa Signature (Daily Advantage) Card: $6.7K • Discover it Cash Back: $6.5K • Target Circle Mastercard (AU): $6K • PayPal Credit (Synchrony Bank): $5,650 • Dell Pay Credit: $5.5K • Truist Bank Future Visa Card: $5K • My GM Rewards Mastercard: $4.5K • GS Apple Card: $3,250 • Capital One Savor Mastercard: $3.1K • AMEX Blue Cash Preferred (BCP): $3K • Kohl’s Card: $3K • Merrick Bank Double Your Line MasterCard: $2.5K • AMEX Blue Cash Everyday (BCE): $1.3K • AMEX Delta SkyMiles Blue Card: 1.1K

Open Loans: BestEgg Personal Loan (Signature): $22,000 @ 16.15% • Capital One Auto Loan: $9,358 @ 9.78%

Closed Accounts: Target RedCard (Please sir, may I have some more? NO!) • AMEX Delta SkyMiles Cards (Platinum, Gold, & Blue) Various PCs • Walmart Rewards Mastercard (EOL, PC to Capital One Savor Mastercard) • Mercury Mastercard (APR hit 34.24%! Ouch!) • Tomo Visa Signature Card (Low SL/CL, High APR!) • Ollo Platinum MasterCard (Subprime, Low SL/CL, High APR!) • Upgrade Card (Low SL/CL, High APR!) • Aspire MasterCard (Subprime, “Account closed due to inactivity!”) • Various Capital One Cards (Platinum, QuicksilverOne, Quicksilver, & SavorOne) (Buckets!!!)

“I can’t…” are likely the two most overused words in our vocabulary!
100% On Time / 0% Lates!
Last Updated on 1/13/2025.

Message 31 of 40
Anonymous
Not applicable

Re: Discover $1,000 CLI Approval - A BIG deal for me!!

That good version wich u canceled was your 3rd C1 card? Wonder if I would get such low limit too. My 2nd one, Savor One was opened way later, Jan this year and did get 2k. Just canceled my 1st cc, C1 secured plat(500 to 700), waiting for the deposit refund mail.

Message 32 of 40
Anonymous
Not applicable

Re: Discover $1,000 CLI Approval - A BIG deal for me!!

My grudge is actually vs Chase, 3rd of 8 cards and after a year, still stuck at 500 SL. Citi DC was my 2nd and they already gave me 2 clis, from 1000 to 3000. The latest one Disco CB, opened  Feb this year, 3000 to 4500.

Message 33 of 40
Jeffster1
Valued Contributor

Re: Discover $1,000 CLI Approval - A BIG deal for me!!

@805orbust Congrats, buddy! In my previous life, I had a Discover. I think it started as a Discover Gas card, kind of a translucent brown. It has a decent CL but never budged. A CL from them is like a compliment, hard to come by and all too rare!

 

FICO 8 EX 829 EQ 824 TU 844
American Express Blue Cash Preferred 30K I American Express Blue Cash Everyday 20K I American Express Cash Magnet 5K I Bank of America Customized Cash Rewards Visa 20K | Kinecta MyPerks Rewards MC 35K | Wells Fargo BILT World Elite MC 30K I BMO Harris Cash Back MasterCard 12K | Capital One QS MC 12.5K I NFCU Flagship Rewards Visa 32K I NFCU Amex 28K | NFCU CashRewards Visa 20K I America First CU Cash Visa 20K I Citi Best Buy Visa 10K I Macy’s Amex 20K I Bread Financial American Express 13K I AAA Daily Advantage Visa Signature 8.5K I Saks Fifth Avenue World Elite MC 8.3K I JCPenney Mastercard 6K I UCLA Wescom CU Rewards Visa 7K I Pottery Barn Visa 5K I PayPal Cash Back Visa 9K I TD Bank Double Up Visa 5K I USBank Cash Visa 5K I
Message 34 of 40
SuperFlyEDSguy
Contributor

Re: Discover $1,000 CLI Approval - A BIG deal for me!!


@805orbust wrote:

wow... thats a good point @SuperFlyEDSguy .  You could just embed images in your sig... Gotta try that... stir some stuff up around here Smiley LOL


Sounds like fun — Count me in! This book of a sig (below) was only intended to be a placeholder until I got around to creating something a bit more more visually appealing, BTW!

 

Here, you'll want to use the <img> tag. You'll likely need to include the width, height or both attributes. You shouldn't use the inline CSS attribute! The alt attribute should allow you to put an actual description in, e.g. a credit limit along with the name! Read this for more details on using the tag:


https://www.w3schools.com/tags/tag_img.asp

 

Another thing that you should immediately recognize are Shields.io, which lets you create these things using simple links!

 

Example


Just scroll down the Shields.io page and it will hopefully be self-explanatory... Hopefully! 😆

 

Enjoy! ✌️

Open Accounts: AMEX Platinum Card: NPSL • AMEX Gold Card: NPSL • PayPal Cashback World Mastercard: $24K • NFCU More Rewards AMEX: $23K • NFCU Platinum Visa: $23K • NFCU Visa Signature Flagship Rewards Card: $20K • Fidelity Rewards Visa Signature Card: $15K • Bread 2% Cashback AMEX: $11,650 • U.S. Bank Altitude Go Visa Signature Card: $10K • Verizon Visa Signature Card: $10K • Amazon Prime Store Card (Synchrony Bank): $10K • Discover it Miles: $9.5K • AAA Visa Signature (Daily Advantage) Card: $6.7K • Discover it Cash Back: $6.5K • Target Circle Mastercard (AU): $6K • PayPal Credit (Synchrony Bank): $5,650 • Dell Pay Credit: $5.5K • Truist Bank Future Visa Card: $5K • My GM Rewards Mastercard: $4.5K • GS Apple Card: $3,250 • Capital One Savor Mastercard: $3.1K • AMEX Blue Cash Preferred (BCP): $3K • Kohl’s Card: $3K • Merrick Bank Double Your Line MasterCard: $2.5K • AMEX Blue Cash Everyday (BCE): $1.3K • AMEX Delta SkyMiles Blue Card: 1.1K

Open Loans: BestEgg Personal Loan (Signature): $22,000 @ 16.15% • Capital One Auto Loan: $9,358 @ 9.78%

Closed Accounts: Target RedCard (Please sir, may I have some more? NO!) • AMEX Delta SkyMiles Cards (Platinum, Gold, & Blue) Various PCs • Walmart Rewards Mastercard (EOL, PC to Capital One Savor Mastercard) • Mercury Mastercard (APR hit 34.24%! Ouch!) • Tomo Visa Signature Card (Low SL/CL, High APR!) • Ollo Platinum MasterCard (Subprime, Low SL/CL, High APR!) • Upgrade Card (Low SL/CL, High APR!) • Aspire MasterCard (Subprime, “Account closed due to inactivity!”) • Various Capital One Cards (Platinum, QuicksilverOne, Quicksilver, & SavorOne) (Buckets!!!)

“I can’t…” are likely the two most overused words in our vocabulary!
100% On Time / 0% Lates!
Last Updated on 1/13/2025.

Message 35 of 40
SuperFlyEDSguy
Contributor

Re: Discover $1,000 CLI Approval - A BIG deal for me!!


@Jeffster1 wrote:

@805orbust ... A CL from them is like a compliment, hard to come by and all too rare!

 


That sounds A LOT like my old boss! 😂

Open Accounts: AMEX Platinum Card: NPSL • AMEX Gold Card: NPSL • PayPal Cashback World Mastercard: $24K • NFCU More Rewards AMEX: $23K • NFCU Platinum Visa: $23K • NFCU Visa Signature Flagship Rewards Card: $20K • Fidelity Rewards Visa Signature Card: $15K • Bread 2% Cashback AMEX: $11,650 • U.S. Bank Altitude Go Visa Signature Card: $10K • Verizon Visa Signature Card: $10K • Amazon Prime Store Card (Synchrony Bank): $10K • Discover it Miles: $9.5K • AAA Visa Signature (Daily Advantage) Card: $6.7K • Discover it Cash Back: $6.5K • Target Circle Mastercard (AU): $6K • PayPal Credit (Synchrony Bank): $5,650 • Dell Pay Credit: $5.5K • Truist Bank Future Visa Card: $5K • My GM Rewards Mastercard: $4.5K • GS Apple Card: $3,250 • Capital One Savor Mastercard: $3.1K • AMEX Blue Cash Preferred (BCP): $3K • Kohl’s Card: $3K • Merrick Bank Double Your Line MasterCard: $2.5K • AMEX Blue Cash Everyday (BCE): $1.3K • AMEX Delta SkyMiles Blue Card: 1.1K

Open Loans: BestEgg Personal Loan (Signature): $22,000 @ 16.15% • Capital One Auto Loan: $9,358 @ 9.78%

Closed Accounts: Target RedCard (Please sir, may I have some more? NO!) • AMEX Delta SkyMiles Cards (Platinum, Gold, & Blue) Various PCs • Walmart Rewards Mastercard (EOL, PC to Capital One Savor Mastercard) • Mercury Mastercard (APR hit 34.24%! Ouch!) • Tomo Visa Signature Card (Low SL/CL, High APR!) • Ollo Platinum MasterCard (Subprime, Low SL/CL, High APR!) • Upgrade Card (Low SL/CL, High APR!) • Aspire MasterCard (Subprime, “Account closed due to inactivity!”) • Various Capital One Cards (Platinum, QuicksilverOne, Quicksilver, & SavorOne) (Buckets!!!)

“I can’t…” are likely the two most overused words in our vocabulary!
100% On Time / 0% Lates!
Last Updated on 1/13/2025.

Message 36 of 40
805orbust
Valued Contributor

Re: Discover $1,000 CLI Approval - A BIG deal for me!!

Niiiiiiiice. Ima have to check that out!



Message 37 of 40
720orBust
Member

Re: Discover $1,000 CLI Approval - A BIG deal for me!!

Congrats. I am excited to see your next post. I am just starting out with discover but secured. But in a year I hope to move to an unsecured card. 

Starting Score: 577EQ / 590 TU / 568EX 10/01/22
Current Score: 577EQ / 590 TU / 568EX
Goal Score: 720






Message 38 of 40
805orbust
Valued Contributor

Re: Discover $1,000 CLI Approval - A BIG deal for me!!

@720orBust ditto my friend. Next up for me is FNBO in November... unless I figure something else out before then 😁

 

 



Message 39 of 40
720orBust
Member

Re: Discover $1,000 CLI Approval - A BIG deal for me!!

Good luck. to you Smiley Very Happy


@805orbust wrote:

@720orBust ditto my friend. Next up for me is FNBO in November... unless I figure something else out before then 😁

 

 


 

Starting Score: 577EQ / 590 TU / 568EX 10/01/22
Current Score: 577EQ / 590 TU / 568EX
Goal Score: 720






Message 40 of 40
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