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Discover CLI of 65%

tag
Masterlink
Member

Discover CLI of 65%

Figured I'd poke the CLI button on my Discover card, riding the coat tails of my recent Ally approval. 

 

Got a nice $3000 increase, bringing my CL on it up to $7600. Feels pretty good. Smiley Happy

$1,000 is a lot to owe, yet little to have.
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Message 1 of 19
18 REPLIES 18
youngandcreditwrthy
Senior Contributor

Re: Discover CLI of 65%

congrats! It feels good becaue it is good :-)

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 2 of 19
BigBS
Senior Contributor

Re: Discover CLI of 65%

Congrats on the CLI!

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

Message 3 of 19
CreditMagic7
Mega Contributor

Re: Discover CLI of 65%

Congratulations on the CLI!

Message 4 of 19
JoeRockhead
Community Leader
Super Contributor

Re: Discover CLI of 65%

Congratulations on your Disco love!

Message 5 of 19
citymunky
Established Contributor

Re: Discover CLI of 65%


@Masterlink wrote:

Figured I'd poke the CLI button on my Discover card, riding the coat tails of my recent Ally approval. 

 

Got a nice $3000 increase, bringing my CL on it up to $7600. Feels pretty good. Smiley Happy


Any data points on your approx spend before the CLI?

 

(For example I had to spend about 30% of my current limit, and let a 30% balance report for 3 consecutive months before i granted a CLI with my Disco card. I did PIF every statement).

Rebuilding since 2021


Closed CCs
USAA (Jul 2019| Settled CO), Jasper $1K CL (Jul21-Jul22), Sable $250CL{Secured} (Jan22-Jun23), CreditOne Platinum $750CL (Jul21-Aug23), Prosper $1.9K CL (Jan22-Apr24), Self $625 CL {$350 Secured } (Aug21-Jul24)

Starting FICO 8 Scores:
Current FICO 8 Scores:


Message 6 of 19
ShreksBFF
Contributor

Re: Discover CLI of 65%


@citymunky wrote:

@Masterlink wrote:

Figured I'd poke the CLI button on my Discover card, riding the coat tails of my recent Ally approval. 

 

Got a nice $3000 increase, bringing my CL on it up to $7600. Feels pretty good. Smiley Happy


Any data points on your approx spend before the CLI?

 

(For example I had to spend about 30% of my current limit, and let a 30% balance report for 3 consecutive months before i granted a CLI with my Disco card. I did PIF every statement).


I may need to try this because mine refuses to move lol

 

congrats OP 🥂

June 2022:
Jan 2024:
Message 7 of 19
citymunky
Established Contributor

Re: Discover CLI of 65%


@ShreksBFF wrote:


I may need to try this because mine refuses to move lol


Worked for me for two CLIs.

Rebuilding since 2021


Closed CCs
USAA (Jul 2019| Settled CO), Jasper $1K CL (Jul21-Jul22), Sable $250CL{Secured} (Jan22-Jun23), CreditOne Platinum $750CL (Jul21-Aug23), Prosper $1.9K CL (Jan22-Apr24), Self $625 CL {$350 Secured } (Aug21-Jul24)

Starting FICO 8 Scores:
Current FICO 8 Scores:


Message 8 of 19
CorpCrMgr
New Visitor

Re: Discover CLI of 65%

Very nice increase!

Message 9 of 19
elboullee
Regular Contributor

Re: Discover CLI of 65%


@citymunky wrote:

For example I had to spend about 30% of my current limit, and let a 30% balance report for 3 consecutive months before i granted a CLI with my Disco card. I did PIF every statement).

When you say "let it report" do you mean you let it report after the closing of your statement period, meaning that you let a high utilization report to the credit bureaus, thus affecting your scores?

 

Because the bank/credit card company knows how much you have spent even if you pay it all off within the statement period.

Message 10 of 19
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