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Discover CLI Approved: 3rd Statement seems crucial

ThisMightWork41c3
New Contributor

Discover CLI Approved: 3rd Statement seems crucial

This is most facinating.

 

My Discover card was issued 6/25/2018

All the research says wait for 6 months for an auto CLI. But then I see some people trying at 61 days, kinda like AMEX. So I tried on 8/30. ResultSmiley Very Happyenied. Letter came about a week later with the reason:

"INSUFFICIENT EXPERIENCE WITH CURRENT DISCOVER CARD CREDIT LIMIT"

 

I love how they have to put the reason in all caps. They  should put hand claps inbetween each word as well. But I wont dwell on typography for now.

Also, FICO from denial letter was 723 from an 8/5/2018 pull.

 

So I figure im in the garden why not just be patient and wait for an auto in 6 months. Now Im not known for my patience, and seeing another few posts about waiting for a 3rd statement cut, I started to consider another try. Well my 3rd statement posted just a few days ago. I did have concerns about a recent balance transfer over $1k that just posted to DISCOVER. Maybe they'd deny it saying "rising limit."  I know, over thinkin' it again. So I had a credit balance that was a hair over 1/3 of my entire credit limit.

 

I went for the online increase and I was pleasantly surprised to get the magic slider of love ( I hope thats not vulgar), and they offered $1,500 for an increase. I took it! yay!

 

I hope there are enough data points here so this post is useful to anyone with similar experience.

 

Thanks Forum Folks Smiley Happy

 

PS

Do you think there is still money on the table?  Smiley Wink


In the garden till Nov 19, 2020 07:38:06 GMT....maybe

Message 1 of 15
14 REPLIES 14
NaaryalHead
Regular Contributor

Re: Discover CLI Approved: 3rd Statement seems crucial

Magic slider of love does wonders - or so I'm told. Smiley Very Happy

Congrats on the nice CLI.

 

I got shot down for my CapOne CLI request in my 3rd month as well; I'm waiting for 3rd statement to cut as I was told a similar thing by CO (min 3 statements for CLI request to work)

 

 

BofA Cash Rew: 16k+
Amex Cash Magnet: 14k+
Citi DC: 8k+
Barclays Uber: 8k+
Citi Premier: 7k+
Chase Saphire Pref 6k+
Chase Amazon: 4k+
Cap1 QS1: 2k+
Cap1 Savor1: 1k Smiley Sad





Next App in: Late Oct 2019

Torch bearer of the Bucketeers' Society. Shamefully carrying a bucketed Cap One QS1 with AF & zero chance of a PC.

Message 2 of 15
ThisMightWork41c3
New Contributor

Re: Discover CLI Approved: 3rd Statement seems crucial


@NaaryalHead wrote:

Magic slider of love does wonders - or so I'm told. Smiley Very Happy

Congrats on the nice CLI.

 

I got shot down for my CapOne CLI request in my 3rd month as well; I'm waiting for 3rd statement to cut as I was told a similar thing by CO (min 3 statements for CLI request to work)

 

 


Thanks, Good luck with Cap1


In the garden till Nov 19, 2020 07:38:06 GMT....maybe

Message 3 of 15
AnikinsDarling
Frequent Contributor

Re: Discover CLI Approved: 3rd Statement seems crucial

Congrats on your increase!

tenor.gif

Message 4 of 15
Doigt_dor
Frequent Contributor

Re: Discover CLI Approved: 3rd Statement seems crucial

Congrats!!!

 

Thanks for the DPs .. What was your SL?

 

Apparently Discover usually leaves some $ on the table and some folks on this forum have double dipped by calling to take the $ off the table (YMMV).








Les murs ont des oreilles .
Message 5 of 15
James_A
Valued Contributor

Re: Discover CLI Approved: 3rd Statement seems crucial


@ThisMightWork41c3 wrote:

 

... Do you think there is still money on the table?  


I think many members have had success with the DD & it certainly does not hurt to ask. 

And Congrats! TMW on your CLI.

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (11/11/2020): FICO 08 EXP: 747; TU: 762; EQ: 782
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
Message 6 of 15
DCnDC
Contributor

Re: Discover CLI Approved: 3rd Statement seems crucial

Congrats! I'm waiting for my 3rd statement to post also. I was approved for mine on 6/8 and I'm still on my 2nd statement.
FICO 8 (as of 8/23/2019) | EX: 823 | TU: 824 | EQ: 831
Inquiries (Total) | EX: 2 | TU: 1 | EQ: 1
Inquiries (Less than 1 year) | EX: 0 | TU: 0 | EQ: 1

PenFed Promise Visa $39,000 | Bank Americard Mastercard $35,000 | NFCU More Rewards Amex $25,000 | Macy's $25,000 | NFCU Go Rewards Visa $24,300 | Citi Simplicity Mastercard $21,000 | Synchrony Home (Mohawk) $17,600 | NFCU CLOC $15,000 | Citi Costco Visa $12,300 | PenFed Gold Visa $11,000 | Discover It $10,000 | Citi Diamond Preferred Visa $8,000 | Kohl's $3,000

Message 7 of 15
ThisMightWork41c3
New Contributor

Re: Discover CLI Approved: 3rd Statement seems crucial


@Doigt_dor wrote:

 

Thanks for the DPs .. What was your SL?

 

 


SL was $7500


In the garden till Nov 19, 2020 07:38:06 GMT....maybe

Message 8 of 15
ThisMightWork41c3
New Contributor

Re: Discover CLI Approved: 3rd Statement seems crucial


@DCnDC wrote:
Congrats! I'm waiting for my 3rd statement to post also. I was approved for mine on 6/8 and I'm still on my 2nd statement.

So anyday now. Good luck!


In the garden till Nov 19, 2020 07:38:06 GMT....maybe

Message 9 of 15
ThisMightWork41c3
New Contributor

Re: Discover CLI Approved: 3rd Statement seems crucial

thanks everyone


In the garden till Nov 19, 2020 07:38:06 GMT....maybe

Message 10 of 15
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