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Discover Approval + Immediate CLI

Established Contributor

Discover Approval + Immediate CLI

Hey guys,


So I'm happy to report good news today. I was just approved for the one card I was never able to get years ago.. A Discover card!


Here's the scoop.


I submitted the application online and checked the boxes to receive an "Instant Decision." The wheel spun for about a minute and I was then asked to call in. A chat box appeared so I jumped on there to speak with a rep. She needed to verify some info and instantly approved me for $9,000. You guys know Uncle Money wasn't stopping there so I asked her if she can increase the line a little more so I can take advantage of their generous balance transfer offer while using the card for purchases without coming close to my limit. She bumped the limit to $11,000! I asked for more again lol but she said they need to see 3 billing cycles of activity. I have no idea which credit bureau was pulled. I checked my alerts and didn't see any inquiries post yet.


I'm happy with this outcome. I've heard a lot of good things about Discover so looking forward to using this card.


Uncle Money


Initial Approval:

Screen Shot 2017-05-17 at 12.01.07 PM.png


 After Chat:


Message 1 of 15
Super Contributor

Re: Discover Approval + Immediate CLI

Not to shabby ... awesome approval and CLI!!! Talk about love right out of the chute Smiley Happy And, you say Discover did not love you before ... hmm?
Starting Score: 829 Fico TU08
Current Score: 835 Fico TU08
Goal Score: 850

Take the myFICO Fitness Challenge
Message 2 of 15
Established Contributor

Re: Discover Approval + Immediate CLI

Thanks Dinosaur!


It was not until recently they started sending me weekly mailers. I never got them previously and was declined more than once in the past so at one point I just gave up on Discover until now!



Message 3 of 15
Valued Contributor

Re: Discover Approval + Immediate CLI

WOW, Uncle_Money, very nice approval on top of getting a CLI. That's the way to go!

EX 792, TU 809, EQ 805
|| NFCU CashRewards $25K || AmX $15K || Macy's $15K || Discover IT $10.5K || NFCU Platinum $7.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 4 of 15
Valued Contributor

Re: Discover Approval + Immediate CLI

Congrats!! Awesome Disco approval, and even better getting it immediately increased!!
You'll have the thing at 50K in no time
State Farm Rewards (3,000) ~ Marvel MC (8,000) ~ PenFed Power Cash (10,000) ~ PenFed Promise (1,000) ~ PenFed OLOC (500) ~ Discover ($1,100) ~ Citi DC (2,200) ~ NFCU cashRewards (6,200) ~ NFCU Platinum (2,700) ~ NFCU CLOC (15,000) ~ Venture (10,300) ~ DCU Visa (5,000) ~ Chase Freedom (3,000) ~ Amex Hilton Honors (5,000) ~ Amex SPG (1,000) ~ Amex BCE (1,000) ~ Care Credit (15,000)
Current Scores (6/6/18): 697 Transunion, 659 Equifax, 674 Experian
Message 5 of 15
Community Leader
Super Contributor

Re: Discover Approval + Immediate CLI

Uncle Money gonna be rollin in the Disco doughSmiley Wink. Great limit, i definitely envision you cracking 20k within a yearSmiley Wink

Gardening since 6/13/18
Goal: No hps or cli requests at least til 1/1/19, 7/13/20 preferable
Message 6 of 15
Valued Contributor

Re: Discover Approval + Immediate CLI

Congrats uncle money. That's a nice SL. Discover has some great perks and the first year cash back is super sweet. Enjoy. 🍾🎉🎊🐬🎈

Worlds second worst gardener.
Message 7 of 15
Frequent Contributor

Re: Discover Approval + Immediate CLI

Congrats!!!! That beats my 500 CLI I got today from Discover. LOL. . . Not even going to do a post anymore. Congrats! New limit 7,800.

Message 8 of 15
Valued Contributor

Re: Discover Approval + Immediate CLI

Pretty impressive...Congratulations!!

American Express Business Gold(NPSL 10k) AmexPlat (NPSL 35K) Chase CSP (25k) BofA CR Siggy (25k) BofA BBR (25k) Amex BCP(18k) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Pier 1(12.5k) Care Credit (12k) Venture WMC (10.25k) Hilton Honors Ascend (10K) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(9.5k) J Crew( 7.9k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (7K) Overstock (7K) Fidelity® Rewards Visa Signature® Card (6.5K) Citi Diamond (6.5k) PenFed PCR (5K) Kohls (3k) Amex Everyday (1k) Mortgage May 2017 - 2 Penfed auto loans May 2017

FICO 8 Scores EX 690(17) EQ 675(22)TU 705(18) AAOA 2.9yrs TCL=320,550
Message 9 of 15
Established Contributor

Re: Discover Approval + Immediate CLI

Congratulations on the awesome approval!!!!!
In the wallet:
Amex PRG ~ Amex BCE ~ Discover ~ NFCU Cash Rewards Visa Signature ~ NFCU Platinum Visa ~ NFCU Line of Credit ~ Chase Amazon Prime Visa Signature ~ PenFed Cash Rewards Visa ~ PenFed Promise Visa ~ Fairwinds Credit Union Cash Rewards Visa ~ CapOne QS1 ~ Lowes Store Card

Closed on mortgage 8/9/17!! Woot!
Message 10 of 15