Discover CLI - Approved

[Anonymous]

Hi I am being approved for $1500. This is my first CLI since I opened the account.

My FICO so far doesn't change so much.

713 TU and 720 EQ since Mar 05, 2020 which I just checked. I have balance utilization of 28% before the CLI and now down to .25. Will try to pay it down to 15% and CLI again next month. Is it possible to CLI every month? Thank you.

[AllZero]

Congratulations on your CLI!

[Anonymous]

Thank you! Planning to apply for PenFed once credit bureaus update my latest payments if they update them. I am planning to apply for SunTrust too. So far I am getting a lot of weird notifications by Capital One by I doubt they will approve me for anything.

[AverageJoesCredit]

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@Anonymous wrote:

Hi I am being approved for $1500. This is my first CLI since I opened the account.

My FICO so far doesn't change so much.

713 TU and 720 EQ since Mar 05, 2020 which I just checked. I have balance utilization of 28% before the CLI and now down to .25. Will try to pay it down to 15% and CLI again next month. Is it possible to CLI every month? Thank you.

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Congrats @Anonymous  Its possible but no probable  every month. Watch them roll in now Enjoy!

[Anonymous]

Congrats on your CLI, are u going for the double dip.

[Anonymous]

Thank you Sir. I guess it wouldn't hurt to request for CLI right? I also have to call them to reduce the high APR.

[Anonymous]

Not really look at something really big. Just hoping it could at least pass $15000 so that my utilization will remain low.

[AverageJoesCredit]

How long have you had the card? If you have less than a year you are probably still in 1st year promo so will need to wait abit. You can smash everyday if you like. 

I just talked to them trying to  get another 0% offer but have to wait 6 months since they just lowered my ap . If i can get one more cli i can combine limits they confirmed but i need to get a cli to start process. Eventually my smash a day will become holiday

[Anonymous]

It has been more than a year. I didn't realized at first my APR has gone up. The montly payment was automatically deducted but the high APR offset my principal. Originally I want to put a request to reduce the APR but there is no option online so instead I tried the CLI. I guess I have to call them for the APR reduction.

[Anonymous]

Two month I paid off over $2500 and last month $350. Next month it would be $200 and $500 monthly in next 4 months. I had over $5900 balance two months ago. My balance was due to my balance transfer.

This is a good site to calculate credit card payments (beside other loans)

http://creditcard.bizcalcs.com/Calculator.asp?Calc=Credit-Card-Minimum-Payment-Plus-Payoff