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Discover CLI - Now Over $60K

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Valued Contributor

Discover CLI - Now Over $60K

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!

 

Not sure if this helps, but as a reference point, I put about $1,000 a month of spend on the card and allow between $5 and $10 a month to report on my statement.  This is my one account that I allow to show a balance, with all others being $0.  THe account has been open since about 2009.  

 

With my ugliness from a few years ago, I would have never thought they would allow me a CL in this range, however I am sure in reality they would never allow my balance to get anything near that limit.  

 

 

Discover 090216.jpg

 

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
May 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 1 of 34
33 REPLIES 33
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Frequent Contributor

Re: Discover CLI - Now Over $60K

That is quite some limit! Congratulations on your success! 


FICO 8 August 2016 TU: 720/ EQ: 697/ EX: 705 Gardening Until 2017
Message 2 of 34
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Super Contributor

Re: Discover CLI - Now Over $60K

Message 3 of 34
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Senior Contributor

Re: Discover CLI - Now Over $60K

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

EQ 730, TU 730, EX 720. INQs EQ-1, TU-9, EX-7 AAOA 4yrs Util 6% Inspiration: Themanwhocan's Cash Back Charts
Message 4 of 34
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Valued Contributor

Re: Discover CLI - Now Over $60K

With a painless phone call like that you just set the bar higher for Discover CL's.  Congrats on the increase and time with Discover!  7 years with a single lender is impressive around here Smiley Happy

Message 5 of 34
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Regular Contributor

Re: Discover CLI - Now Over $60K

Discover never fails to amaze. I simply do not understand their underwriting. However, they have the BEST dashboard (recently made even better) and customer service in the business. AMEX has just outsourced the customer service off shore and I don't like it. And I am tired of being recoreded on every AMEX call I have. It's worse than Richard Nixon!!

 

I believe that these companies makde billions FROM Americans. They need to hire Americans. Discover does that. It's too bad that they don't compete in the miles category. I don't want cash back. I want to fly to Europe in business class. I want free hotel rooms.  I don't need cash back to buy more things I don't need or want. Paris or bust.

Message 6 of 34
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New Member

Re: Discover CLI - Now Over $60K

Congrats Smiley Happy * Celebrate*

Message 7 of 34
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Frequent Contributor

Re: Discover CLI - Now Over $60K

Superb!!! Way to go!!!

FICO 8: TU-787 EX-768 EQ-757 Total Credit Limit: $647,750
Message 8 of 34
Highlighted
Valued Contributor

Re: Discover CLI - Now Over $60K

Woah! That's a huge credit limit!

I also agree that Discover has the BEST dashboard.
Message 9 of 34
Highlighted
Frequent Contributor

Re: Discover CLI - Now Over $60K

Congrats! Smiley Surprised


@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!

 

Not sure if this helps, but as a reference point, I put about $1,000 a month of spend on the card and allow between $5 and $10 a month to report on my statement.  This is my one account that I allow to show a balance, with all others being $0.  THe account has been open since about 2009.  

 

With my ugliness from a few years ago, I would have never thought they would allow me a CL in this range, however I am sure in reality they would never allow my balance to get anything near that limit.  

 

 

Discover 090216.jpg

 

 


 

CL $408,200
Message 10 of 34
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