Discover CLI, Don't get your hopes up ^__^

[Anonymous]

300$ increase from Disco. My second CLI on a 1 year 3 months card. EX: 730 at the moment. I have 3 recent inquiries last month and no lates, no baddies. My first increase was 700$ 60 days ago. I really do not know how you guys build limits so high with this company. I read people mentioning Disco likes thin files and new profiles but for some reason they don't like mine even though it was my second credit card.

[gdale6]

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@Anonymous wrote:

300$ increase from Disco. My second CLI on a 1 year 3 months card. EX: 730 at the moment. I have 3 recent inquiries last month and no lates, no baddies. My first increase was 700$ 60 days ago. I really do not know how you guys build limits so high with this company. I read people mentioning Disco likes thin files and new profiles but for some reason they don't like mine even though it was my second credit card.

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When I got mine in 2012 I had derogs and a dismissed BK on file, my CLIs were 1K at a time until I became totally clean in 2015 then at the end of this year my regular Fico 8 moved past 760 thats when I got big bites of over 5K multiple times. Patience is the name of the game with this creditor, they will come with time and use of the card. All I have ever used the card for is the 5% categories and it has sat for 6 months at a time when I could not use the categories.     Grats on your CLI

[VanderSnoot]

Was denied this week. I have had the card more than 10 years, CL = 5k (my lowest except for store CCs), I've never asked for a CLI (though they gave me one several years ago anyway), scores in the 730s, 1 inquiry. Waiting for the letter.

[M_Smart007]

CLI Congrats!!

[Anonymous]

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@VanderSnoot wrote:
Was denied this week. I have had the card more than 10 years, CL = 5k (my lowest except for store CCs), I've never asked for a CLI (though they gave me one several years ago anyway), scores in the 730s, 1 inquiry. Waiting for the letter.

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That's totally bananas! I want to analyze their algorithm so badly!

[pinkandgrey]

Congrats all the same! A CLI is a CLI. AJC is a charter member of the Disco No CLI club. He probably put in a good word for you. 

[VanderSnoot]

Got my letter: insufficient experience with current CL. I only use it for the categories, which amounts to a lot during the supermarkets quarter and not much at other times. Are phone calls helpful? It probably cant hurt.

[Anonymous]

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@VanderSnoot wrote:
Got my letter: insufficient experience with current CL. I only use it for the categories, which amounts to a lot during the supermarkets quarter and not much at other times. Are phone calls helpful? It probably cant hurt.

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I tried calling when I wasn't getting any CLI for the first year. They took the same info as the online tool and said it was not approved. I assume they use the same algorithm. She asked if I want to request a hard pull CLI, I said no.

[VanderSnoot]

I guess I'll wait until my scores are above 760 to request a CLI. Still happy to have the card.

[M_Smart007]

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@VanderSnoot wrote:
Got my letter: insufficient experience with current CL

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I think that Verbage only has to do with time, I believe another Savvy poster (BBS) pointed that out to Me.

I used to interpret it differently or should i say "wrong interpretation"