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

SuperFlyEDSguy
New 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!

AMEX Gold Card: NPSL • NFCU Visa Signature Flagship Rewards Card: $12K (PC!) • NFCU More Rewards AMEX: $11.2K • NFCU Platinum Visa: $11K • PayPal Cashback World Mastercard: $8K • Bread 2% Cashback AMEX: $6,650 • Discover it Cash Back: $6.5K • Discover it Miles: $5.5K • Dell Preferred Account: $5.5K • Amazon Prime Store Card: $4K • AAA Visa Signature (Daily Advantage) Card: $2.7K (New!) • PayPal Credit (Synchrony Bank): $2.5K • Merrick Bank Double Your Line MasterCard: $2.5K • Kohl’s Card: $2.5K • Mercury MasterCard: $1.9K • GS Apple Card: $1,750 • AMEX Delta SkyMiles Platinum Card: $1.7K • Walmart Rewards MasterCard: $1.1K • AMEX Delta SkyMiles Blue Card: $1K (PC) • AMEX Blue Cash Everyday (BCE): $1K (New!) • Capital One Quicksilver: $900 • Capital One SavorOne: $500 • Target RedCard: $500
_______
Closed Accounts: Tomo Visa Signature Card (Low SL/CL, High APR!) (Updated!) • Ollo Platinum MasterCard (Subprime, Low SL/CL, 28.49% APR) • Upgrade Card (Low SL/CL, APR was 29.99%!!!) • Aspire MasterCard (Subprime, Account closed due to inactivity!) • Capital One QuicksilverOne ($800 CL not worth the $39/year anymore!) • Capital One Quicksilver ($300 SL was a joke being the “Good Credit” version!)
_______
Wish List (Top 5): AMEX Blue Cash Preferred Card (BCP) • NFCU Visa Signature Flagship RewardsDiscover it Travel Credit Card • Synchrony Premier World Mastercard • MLS Forward Card by Avant (I know, but I want it for the MLS swag!)
_______
Current Scores Range: 665 to 703. (Updated!)
Next Goal: 700+ “All Around.”
Utilization: ~21%. (Updated!)
Permanently Disabled: December, 2020.
Started Rebuilding: August, 2020 (~3 Years!).
BK7 Filed: February, 2017 (Discharged).
_______
“That’s Poppycock!”
“I can’t…” are likely the two most overused words in our vocabulary!
• PSA: Ignorance is far more expensive than any education money will buy!
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
Established 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 (9/7/23) EX 718 EQ 720 TU 844
FICO 9 (9/17/23) EX 751 EQ 774 TU 850
CH 13 DC 1/5/21 -- I practice AZEO - NEVER above 1% utilization across all cards.

Current lineup as of 9/23
American Express Gold | American Express Blue Cash Everyday 6K | American Express Blue Cash Preferred 5K I American Express Marriott Bonvoy Bevy 5K I American Express Gold Delta Skymiles 6K I American Express Hilton Honors Surpass 1K | Bank of America Customized Cash Rewards Visa 15K | Kinecta MyPerks Rewards MC 35K | TD Bank Double Up Visa 4K | USBank Visa 5K | BMO Harris Cash Back MasterCard 12K | Capital One SavorOne MC 3K | Capital One Walmart MC 2K | NFCU Amex 15K | NFCU CashRewards Visa 15K I Citi Best Buy Visa 10K I Macy’s Amex 1.5K I Bread Financial American Express 8K l AAA Daily Advantage Visa Signature 6K I Wells Fargo BILT World Elite MC 30K I BCU Cash Rewards Visa 8K I Chevron Techron Advantage Visa 2.5K I JCPenney Mastercard $6K I UCLA Wescom CU Rewards Visa 7K I Affinity Pure Rewards Visa 5K
Message 34 of 40
SuperFlyEDSguy
New 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! ✌️

AMEX Gold Card: NPSL • NFCU Visa Signature Flagship Rewards Card: $12K (PC!) • NFCU More Rewards AMEX: $11.2K • NFCU Platinum Visa: $11K • PayPal Cashback World Mastercard: $8K • Bread 2% Cashback AMEX: $6,650 • Discover it Cash Back: $6.5K • Discover it Miles: $5.5K • Dell Preferred Account: $5.5K • Amazon Prime Store Card: $4K • AAA Visa Signature (Daily Advantage) Card: $2.7K (New!) • PayPal Credit (Synchrony Bank): $2.5K • Merrick Bank Double Your Line MasterCard: $2.5K • Kohl’s Card: $2.5K • Mercury MasterCard: $1.9K • GS Apple Card: $1,750 • AMEX Delta SkyMiles Platinum Card: $1.7K • Walmart Rewards MasterCard: $1.1K • AMEX Delta SkyMiles Blue Card: $1K (PC) • AMEX Blue Cash Everyday (BCE): $1K (New!) • Capital One Quicksilver: $900 • Capital One SavorOne: $500 • Target RedCard: $500
_______
Closed Accounts: Tomo Visa Signature Card (Low SL/CL, High APR!) (Updated!) • Ollo Platinum MasterCard (Subprime, Low SL/CL, 28.49% APR) • Upgrade Card (Low SL/CL, APR was 29.99%!!!) • Aspire MasterCard (Subprime, Account closed due to inactivity!) • Capital One QuicksilverOne ($800 CL not worth the $39/year anymore!) • Capital One Quicksilver ($300 SL was a joke being the “Good Credit” version!)
_______
Wish List (Top 5): AMEX Blue Cash Preferred Card (BCP) • NFCU Visa Signature Flagship RewardsDiscover it Travel Credit Card • Synchrony Premier World Mastercard • MLS Forward Card by Avant (I know, but I want it for the MLS swag!)
_______
Current Scores Range: 665 to 703. (Updated!)
Next Goal: 700+ “All Around.”
Utilization: ~21%. (Updated!)
Permanently Disabled: December, 2020.
Started Rebuilding: August, 2020 (~3 Years!).
BK7 Filed: February, 2017 (Discharged).
_______
“That’s Poppycock!”
“I can’t…” are likely the two most overused words in our vocabulary!
• PSA: Ignorance is far more expensive than any education money will buy!
Message 35 of 40
SuperFlyEDSguy
New 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! 😂

AMEX Gold Card: NPSL • NFCU Visa Signature Flagship Rewards Card: $12K (PC!) • NFCU More Rewards AMEX: $11.2K • NFCU Platinum Visa: $11K • PayPal Cashback World Mastercard: $8K • Bread 2% Cashback AMEX: $6,650 • Discover it Cash Back: $6.5K • Discover it Miles: $5.5K • Dell Preferred Account: $5.5K • Amazon Prime Store Card: $4K • AAA Visa Signature (Daily Advantage) Card: $2.7K (New!) • PayPal Credit (Synchrony Bank): $2.5K • Merrick Bank Double Your Line MasterCard: $2.5K • Kohl’s Card: $2.5K • Mercury MasterCard: $1.9K • GS Apple Card: $1,750 • AMEX Delta SkyMiles Platinum Card: $1.7K • Walmart Rewards MasterCard: $1.1K • AMEX Delta SkyMiles Blue Card: $1K (PC) • AMEX Blue Cash Everyday (BCE): $1K (New!) • Capital One Quicksilver: $900 • Capital One SavorOne: $500 • Target RedCard: $500
_______
Closed Accounts: Tomo Visa Signature Card (Low SL/CL, High APR!) (Updated!) • Ollo Platinum MasterCard (Subprime, Low SL/CL, 28.49% APR) • Upgrade Card (Low SL/CL, APR was 29.99%!!!) • Aspire MasterCard (Subprime, Account closed due to inactivity!) • Capital One QuicksilverOne ($800 CL not worth the $39/year anymore!) • Capital One Quicksilver ($300 SL was a joke being the “Good Credit” version!)
_______
Wish List (Top 5): AMEX Blue Cash Preferred Card (BCP) • NFCU Visa Signature Flagship RewardsDiscover it Travel Credit Card • Synchrony Premier World Mastercard • MLS Forward Card by Avant (I know, but I want it for the MLS swag!)
_______
Current Scores Range: 665 to 703. (Updated!)
Next Goal: 700+ “All Around.”
Utilization: ~21%. (Updated!)
Permanently Disabled: December, 2020.
Started Rebuilding: August, 2020 (~3 Years!).
BK7 Filed: February, 2017 (Discharged).
_______
“That’s Poppycock!”
“I can’t…” are likely the two most overused words in our vocabulary!
• PSA: Ignorance is far more expensive than any education money will buy!
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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