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Discover CLI after denial

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Established Contributor

Discover CLI after denial

Went in for a CLI after my 100 days after getting the card and got the 5day letter. It stated I have too many new account, util, and some older student loan baddies. I figure, get my cards down to zero and don't try for 6 more months. I got an email stating I got a 300 increase to put my limit at 1600. I will take it.
Message 1 of 8
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Regular Contributor

Re: Discover CLI after denial


@Blackswizz750 wrote:
Went in for a CLI after my 100 days after getting the card and got the 5day letter. It stated I have too many new account, util, and some older student loan baddies. I figure, get my cards down to zero and don't try for 6 more months. I got an email stating I got a 300 increase to put my limit at 1600. I will take it.

Congrats on CLI. What was your usage like? From what I have read they are good with CLIs. I am under the impression I can go from 2500 to maybe even 4000 after two months of good usage.

Started in the 600's. Got up to the 700's. Racked up high util so now I'm back down to 600's. Just paid off all cards in full at one time. Waiting to see what that does to my scores.
Message 2 of 8
Established Contributor

Re: Discover CLI after denial

use it as a gas and grocery card see what happens
Message 3 of 8
Established Contributor

Re: Discover CLI after denial

I used it for all kinds of stuff and got a nice comeback. I use my bce for groceries and gas now or my charge card. With my profile, I am still rebuilding and have old lates that are 4-5 years old from student loans. They won't budge. I am not worried about. I may try online since the email came to double dip.
Message 4 of 8
Valued Contributor

Re: Discover CLI after denial

That's something Disco isn't known for and seems to be new.  Deny and then slip you some money on the DL a few days later.  

 

Hopefully they are reviewing denials since they broke the 2-day reviews when they fixed things 3/29.

Message 5 of 8
Established Contributor

Re: Discover CLI after denial

I hope so too. When I got the denial a couple weeks ago, I didn't give it another thought. On the last post, I meant the cash back has been nice. I run a lot through it and I want to try a couple of the discover deals. When I see a company I use regularly I will try it. I tried the doubledip and got the 3-5. So that is not back either.
Message 6 of 8
Valued Contributor

Re: Discover CLI after denial

At least you got some backdoor action with the CLI.  It's a step in the right direction but, something's still wonky if that's how they're going to do it.  

Message 7 of 8
Community Leader
Mega Contributor

Re: Discover CLI after denial

Nice going Blackswizz. Every little bit helpsSmiley Wink

Bluff, good luck on going from 2500 to 4000 in 2 months, i started out with 2500 and 6 months later im at 3000 so....YMMVSmiley Wink
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