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Discover CLI Ch13 milestone

seanny
Valued Member

Discover CLI Ch13 milestone

Early last year I applied for a Discover IT expecting to be denied with the hopes of being offered a secured card.  Well, I was approved instantly for a unsecured card with a lousy $800 CL.  I tried to get more but they wouldn't budge.  I had heard that Discover likes lots of usage so that is what I did.  The double cashback offer was definitely an incentive.  Well, Discover did reward me with regular CL increases after month 3 and today I crossed the $10K line in less than 18 months!  Oh and did I mention that I'm still in BK?  Yay!!

Ch13 filed 3/30/2012 discharged 5-4-2017 | FICOs: EQ-08 684 0hps, EX-08 674 2hps, TU-08 668 1hp | AMEX Blue Cash Everyday $15,000 | Barclay Rewards $2,800 | BOA Cash Rewards $5,000 | Chase Freedom Unlimited $2,000 | Discover IT $10,800
Message 1 of 12
11 REPLIES 11
Gluvsc
Frequent Contributor

Re: Discover CLI Ch13 milestone

That's awesome! Congratulations!

Message 2 of 12
alextercero
Super Contributor

Re: Discover CLI Ch13 milestone

Congrats



EX08 658 EQ08 664 TU08 672 Total Credit Line: 63,550Utilization: 19.4%Inquiries: EQ8 EX11 TU11
Message 3 of 12
Loquat
Moderator

Re: Discover CLI Ch13 milestone

That's awesome!  Congrats!  Discover won't even toss a glance my way...they have no luv for me.  But it's okay...they will one day...hopefully...  Smiley Wink

Message 4 of 12
Vegas4Play
Valued Contributor

Re: Discover CLI Ch13 milestone

You got BoA while in BK 13???? Say Whaaaaaattt !!!! Very Nice!!

Fico 8's TU 756/ EQ 754/ EX 743- 8/2020// AAoA 5.7 years // Lines August 2020 = 619k Personal - Business 61k // Inquiries 6 TU - 0 Exp - 0 Eq.
Message 5 of 12
seanny
Valued Member

Re: Discover CLI Ch13 milestone

Yup and burned them for $14K 2 years prior.
Ch13 filed 3/30/2012 discharged 5-4-2017 | FICOs: EQ-08 684 0hps, EX-08 674 2hps, TU-08 668 1hp | AMEX Blue Cash Everyday $15,000 | Barclay Rewards $2,800 | BOA Cash Rewards $5,000 | Chase Freedom Unlimited $2,000 | Discover IT $10,800
Message 6 of 12
elegua01
Frequent Contributor

Re: Discover CLI Ch13 milestone


@seanny wrote:

Early last year I applied for a Discover IT expecting to be denied with the hopes of being offered a secured card.  Well, I was approved instantly for a unsecured card with a lousy $800 CL.  I tried to get more but they wouldn't budge.  I had heard that Discover likes lots of usage so that is what I did.  The double cashback offer was definitely an incentive.  Well, Discover did reward me with regular CL increases after month 3 and today I crossed the $10K line in less than 18 months!  Oh and did I mention that I'm still in BK?  Yay!!


Congratulations!.

 

Question, do you mind to tell me how you do it?, my Disc has now $3950, i use it a lot, mean a lot and after 9 months i went from $1000 to $3950, its true that this month i got 2 CLI for $500 but still, my usage is high but i only let it report max 3% of the total CL, do you use it and let it report high balance as well?, just trying to get the idea.

 

Thank you in advance.

Message 7 of 12
seanny
Valued Member

Re: Discover CLI Ch13 milestone

I always pay off my balance right away soon as it gets over $200. Also, I hit the Luv button 2 days after every 2 statements.
Ch13 filed 3/30/2012 discharged 5-4-2017 | FICOs: EQ-08 684 0hps, EX-08 674 2hps, TU-08 668 1hp | AMEX Blue Cash Everyday $15,000 | Barclay Rewards $2,800 | BOA Cash Rewards $5,000 | Chase Freedom Unlimited $2,000 | Discover IT $10,800
Message 8 of 12
elegua01
Frequent Contributor

Re: Discover CLI Ch13 milestone


@seanny wrote:
I always pay off my balance right away soon as it gets over $200. Also, I hit the Luv button 2 days after every 2 statements.

Thank you seanny, last question, do you let balance report or you PIF before ?.

 

 

Message 9 of 12
seanny
Valued Member

Re: Discover CLI Ch13 milestone

I always PIF but sometimes the reporting caught me.
Ch13 filed 3/30/2012 discharged 5-4-2017 | FICOs: EQ-08 684 0hps, EX-08 674 2hps, TU-08 668 1hp | AMEX Blue Cash Everyday $15,000 | Barclay Rewards $2,800 | BOA Cash Rewards $5,000 | Chase Freedom Unlimited $2,000 | Discover IT $10,800
Message 10 of 12
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