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Discover CLI - Now Over $60K

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Valued Contributor

Re: Discover CLI - Now Over $60K

All I can say is wow! That is jaw dropping. Congrats. 


Message 11 of 34
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Valued Contributor

Re: Discover CLI - Now Over $60K

I just noticed this in the quoted response showing your last statement balance of $5.  That's hilarious but, really how it goes with Discover!

Message 12 of 34
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Regular Contributor

Re: Discover CLI - Now Over $60K

Congrats on the $60k limit. This is why I want a Discover card again, once I'm out of the garden in 2017... Their CLIs are even crazier than Navy!
Current scores high 600s on EX/EQ/TU.

Amex Platinum NPSL - NFCU Platinum $17,900 - Chase Ritz $14,000 - PenFed Promise $5000 - Synchrony PayPal MC $5000 - Barclay AA $4000 - Merrick Bank $2400 - USAA Amex $2000 - Local CU Visa Classic $1600 - Cap 1 $1650 - Amex Delta Gold $1000 - Chase Freedom Unlimited $500 + several store cards.
Message 13 of 34
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Established Member

Re: Discover CLI - Now Over $60K

Out of curiosity, did you have to do any verification or phone call when you passed the 50K threshold?

I'm at 43.8K and scared to push the button for fear of crossing the 50K threshold and spooking them.
Message 14 of 34
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Super Contributor

Re: Discover CLI - Now Over $60K

Very impressive discover limit!! Nice job on getting to that level of Amazing limits!!!
Message 15 of 34
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Valued Contributor

Re: Discover CLI - Now Over $60K

@EW800 wrote:

It has been about three months or so since I have hit Discover up for a CLI.  I had already been at $53,700, therefore I was fully expecting a rejection as far as going any higher.  I submitted the request anyway.  About two days later, I received an e-mail asking me to call the New Accounts Team within 7 days - something to the effect of wanting to verify information in regard to my CLI request.  Ah oh...  I went ahead and called, as I was straight-up in regard to income and had nothing to hide.  I called and was asked what my income was and what the source of that income is.  I was then put on hold for about two to three minutes, when the rep came back and said that I had been approved for a whopping $60, 200!

@reedacus25 wrote:
Out of curiosity, did you have to do any verification or phone call when you passed the 50K threshold?

I'm at 43.8K and scared to push the button for fear of crossing the 50K threshold and spooking them.

 

Message 16 of 34
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Established Contributor

Re: Discover CLI - Now Over $60K

Congrats awesome CL.







Starting Score: 520
Goal Score: 750

Message 17 of 34
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Valued Contributor

Re: Discover CLI - Now Over $60K


@jfriend33 wrote:

Wow that is amazing.  What is your APR?  Thanks for all the details, very useful info!


Thanks, jfriend,  My APR is high - I believe it is 17.24%.  Thankfully, I never carry a balance over, therefore I am not paying that rate.  

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
March 2020: EX8: 850; EQ8: 850; TU8: 850 -- Middle Mortgage Score: 824
In My Wallet: Discover $73.7K; Cap1 Venture $42.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $19.5K; Cap1 Plat $8.4K; Barclay $7K; BoA Plat $21.6K; Citi TY Pref $19K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $277K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Message 18 of 34
Valued Contributor

Re: Discover CLI - Now Over $60K


@austinguy907 wrote:

I just noticed this in the quoted response showing your last statement balance of $5.  That's hilarious but, really how it goes with Discover!


That is correct, my statement balance was $5.  I vary the statement balance of this account between $5 and $10, with all other revolvers at $0.  

 

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
March 2020: EX8: 850; EQ8: 850; TU8: 850 -- Middle Mortgage Score: 824
In My Wallet: Discover $73.7K; Cap1 Venture $42.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $19.5K; Cap1 Plat $8.4K; Barclay $7K; BoA Plat $21.6K; Citi TY Pref $19K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $277K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Message 19 of 34
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Valued Contributor

Re: Discover CLI - Now Over $60K


@reedacus25 wrote:
Out of curiosity, did you have to do any verification or phone call when you passed the 50K threshold?

I'm at 43.8K and scared to push the button for fear of crossing the 50K threshold and spooking them.

No, I did not have to do any type of verification or phone call when I went from $47.2 to $53.7.  I did get the standard two or three day review message, however it then came back with an approval.  This was the first time that I have ever had to call in, and even this was not much of a verification, as I pretty much just repeated what was entered into the CLI request form.  

 

I understand your apprehension about hitting the button again.  I was a bit nervous about it as well, but the worst they can do is say no, assuming that you report accurate income.  Let us know if you go for it!  

 

 

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
March 2020: EX8: 850; EQ8: 850; TU8: 850 -- Middle Mortgage Score: 824
In My Wallet: Discover $73.7K; Cap1 Venture $42.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $19.5K; Cap1 Plat $8.4K; Barclay $7K; BoA Plat $21.6K; Citi TY Pref $19K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $277K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Message 20 of 34
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