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Discover CLI Double Dip - Success!

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Anonymous
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Discover CLI Double Dip - Success!

Hey guys and gals,

 

I have a Discover IT CashBack that I just got approved for in July with a $5k Starting Limit.

 

I hit the Limit Increase button on Discovers website, and got $300 CLI, total of $5300.

 

I then called them to request additional credit.

 

They did it but with a hard inquiry, I said why not. BOOM! $2k more for a total of $7300.

 

They pulled Transunion and I had a bunch of recent inquiries too. I think she manually reviewd it.

 

The card was opened July 18th and I requested the increase around October 6 so it was around 80 days.

 

Also I put like $10k on the card last month and paid in full after balances posted.

 

I also requested a $2k cash advance at a casino, which was paid in full. (Im saying this because someone stated on the forum that a cash advance was preventing him/her from getting a CLI..)

 

Hope this data helps some of you!

Message 1 of 11
10 REPLIES 10
JR_TX
Valued Contributor

Re: Discover CLI Double Dip - Success!

Congrats on the CLI!
Although I wouldn’t exactly call that a DD, still a successful CLI, albeit a HP. Congrats still!! Smiley Happy
New cc TLs : 0/6 ; 0/12 ; 0/24 | HPs EX 3 EQ 3 TU 4 | AAoA 7y10m | UTIL 1% - 4% | $300K+ Total Limits

Message 2 of 11
Anonymous
Not applicable

Re: Discover CLI Double Dip - Success!

Yeah I was going to correct myself lol but oh well. Still happy with any additional credit.

 

I have a good amount of cards but missing high limits. Discover is my highest limit right now.

 

Just got my Cathay Pacific Visa from $2500 to $6000 same day as well.

 

So yeah Smiley Happy

Message 3 of 11
JR_TX
Valued Contributor

Re: Discover CLI Double Dip - Success!

Hey! HP... SP... What’s more important is if you’re happy with the outcome, that’s all that matters!!
Congrats again!
New cc TLs : 0/6 ; 0/12 ; 0/24 | HPs EX 3 EQ 3 TU 4 | AAoA 7y10m | UTIL 1% - 4% | $300K+ Total Limits

Message 4 of 11
Anonymous
Not applicable

Re: Discover CLI Double Dip - Success!

Good stuff, m92. Congrats! on a solid CLI.

Questions: what are your Fico scores like? did you win @ the casino?

Message 5 of 11
AverageJoesCredit
Legendary Contributor

Re: Discover CLI Double Dip - Success!

Very nice. Did you request more and they offered to do a hp and you said yes?
Message 6 of 11
xaximus
Valued Contributor

Re: Discover CLI Double Dip - Success!

Congrats on the CLI and DD!


Scores - All bureaus 770 +
TCL - Est. $410K
Message 7 of 11
19eighty5
Senior Contributor

Re: Discover CLI Double Dip - Success!

Congratulations and thank you for sharing the data points!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:


Message 8 of 11
zerofire
Valued Contributor

Re: Discover CLI Double Dip - Success!

I would say that is a decent haul. Getting the $300 with an SP is considered a good deal. I would question the benifit of using a HP for 2k but considering that it is on your largest card it might make sense for you as it will push the other lenders into the territory as well.

 

Regardless congradulations on the improvement.

TU:837 09/19/23 Bank of America--EX: 841 09/20/23 Experian--EQ:832 09/21/23 myFICO--Gardening since N/A
Active:
Bank of America (Unlimited Cash Rewards WMC, Customized Cash Rewards WMC, Customized Cash Rewards VSC), Capital One Walmart WMC, Chase(Amazon Prime VSC, Freedom Flex WEMC [x2], Freedom Unlimited VC), Citi Dividend MC, Citizens GreenSense MC, Curve WEMC, Discover It C, FNBO Ducks Unlimited VSC, PenFed (Platinum Rewards VSC, Pathfinder Rewards VSC), Synchrony Bank PayPal Cashback MC, UMB Bank Simply Rewards VC[Milford Federal], US Bank (Altitude Go VSC, Cash+ VSC [x2], Pick n Save/Metro Market WEMC)
Wishlist: AAA Daily Advantage Visa, AOD Signature, Bellco Colorado Rewards, Citi Custom Cash, EBates, Nusenda Platinum Cash Rewards, Ollo Optimum, Redstone Signature, Security Service Power Travel Rewards, Vantage West Connect Rewards
Message 9 of 11
Anonymous
Not applicable

Re: Discover CLI Double Dip - Success!

Thanks guys! 

 

Yeah I'm trying to get this card over $10k asap! 

 

BTW guys, how often should I request a Discover CLI?

 

 

Message 10 of 11
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