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Discover CLI after 2 day message

dragontears
Valued Contributor

Discover CLI after 2 day message

So I was bored and decided to hit the cli link on my Discover miles card just after I made a payment to bring the balance to 0. After entering the info I got the "2 day" message like I did a few months ago. Figured it was a denial like last time and didn't think any more about it.

I then get an email from Discover with the subject "regarding your recent credit line request".
Upon opening the email it says congratulations your new credit line is $15,700. My CL was $10,500 so that was a $5,200 CLI!
Scores hover around 800
Haven't been AZEO in over a year
Rome was not built in a day, neither is a good credit profile
Message 1 of 15
14 REPLIES 14
macinjosh
Senior Contributor

Re: Discover CLI after 2 day message

Awesome CLI!






Samsung Financing TD Bank $3,200




Message 2 of 15
19eighty5
Senior Contributor

Re: Discover CLI after 2 day message

Congratulations!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Aug 2021):EX- 689, TU- 671, EQ- 671
What's in my wallet:



On the chopping block:

Message 3 of 15
pizza1
Community Leader
Super Contributor

Re: Discover CLI after 2 day message

Finally, a success post after the 2-day message! We use to see those quite a bit, (years ago), and then we didn't. So glad it worked out for you! CongratsSmiley Happy

My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013
Message 4 of 15
dragontears
Valued Contributor

Re: Discover CLI after 2 day message

I just realized, with my Discover It sitting at $35,500 and the new CL on the miles card of 15,700 that brings my total exposure with Discover to $51,200 with $75,000 reported income (I didn't include annual bonus in my income) or ~68% of my annual income.
I am now wondering how high could it go......
Scores hover around 800
Haven't been AZEO in over a year
Rome was not built in a day, neither is a good credit profile
Message 5 of 15
Pikaboo-icu
Valued Contributor

Re: Discover CLI after 2 day message

WoWeeee!!!

 

Nice cli Congrats!!!

 

000AAACheerleaders.gif

 

I can't get Disco to budge for me but then again, it's one of my least used cards../oh well

It's nice to see they actually do give out substantial increases! Well done YOU!

  


Message 6 of 15
trusty
Frequent Contributor

Re: Discover CLI after 2 day message


@dragontears wrote:
I just realized, with my Discover It sitting at $35,500 and the new CL on the miles card of 15,700 that brings my total exposure with Discover to $51,200 with $75,000 reported income (I didn't include annual bonus in my income) or ~68% of my annual income.
I am now wondering how high could it go......


What is the strategy that has worked for you guys, insofar as, timeframe between increases, etc?

Message 7 of 15
wingennis
Established Contributor

Re: Discover CLI after 2 day message

Congratulations.  That is huge.

Message 8 of 15
doinit1
Valued Contributor

Re: Discover CLI after 2 day message

I can only wish...happy for you...congrats on your increase!!

American Express Business Gold(NPSL 10k) Chase CSP (25k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(4.1k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (1k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(4.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (500✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until June 2021

FICO 8 Scores EX 700 EQ 696 TU 703
AAOA 5.2yrs TCL=268,700
Message 9 of 15
Prestige4
Frequent Contributor

Re: Discover CLI after 2 day message

Fantastic CLI..congrats.


Feb - May 2017

Current Fico 8
Message 10 of 15
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