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Today received a modest $300 Discover CLI bringing my total to $2300
Data:
Opened late 8/2019 - $1000 limit
11/1 - +500 -> $1500.
11/1 - Double dip via phone $400 -> $1900
12/1 - Denial
12/6 - +100 -> $2000
12/6 - Called in for double dip, no go.
1/6 - Denial
1/15 - Denial
2/6 - Denial - > Less than $30 balance - 2 day review message
2/11 - (1 day after statement post date) - Denial - Current $186 balance - Since I was impatenit and didn't see any auto-cli or any sort of response from 2 day message, decided to request another cli. Instant denial.
2/13 - +300 -> $2300 - Current $0 balance. Instant approval.
Pretty heavy use most months, using 60-80% of the credit limit but never nearing the limit as if it is over 60%, I pay it in full, and continue using but never cycle the limit. Last month, used roughly $1800 of $2000.
Why request 3 times this month? Bored mostly, currently gardening due to pending mortgage app so not opening any credit cards anytime soon. Wanted to see if there timing mattered or if there was rhyme or reason to Disco's credit limit increases. Discover's FICO scorecard updates my score the 5th of every month FWIW.
Congrats!
@M_Smart007. Lol. Congratulations on your quicker trigger finger.
Congratulations on your CLI! 👍
Props for being motivated with all that luv button action.. congrats on another increase!
@randomguy1 wrote:Today received a modest $300 Discover CLI bringing my total to $2300
Data:
Opened late 8/2019 - $1000 limit
11/1 - +500 -> $1500.
11/1 - Double dip via phone $400 -> $1900
12/1 - Denial
12/6 - +100 -> $2000
12/6 - Called in for double dip, no go.
1/6 - Denial
1/15 - Denial
2/6 - Denial - > Less than $30 balance - 2 day review message
2/11 - (1 day after statement post date) - Denial - Current $186 balance - Since I was impatenit and didn't see any auto-cli or any sort of response from 2 day message, decided to request another cli. Instant denial.
2/13 - +300 -> $2300 - Current $0 balance. Instant approval.
Pretty heavy use most months, using 60-80% of the credit limit but never nearing the limit as if it is over 60%, I pay it in full, and continue using but never cycle the limit. Last month, used roughly $1800 of $2000.
Why request 3 times this month? Bored mostly, currently gardening due to pending mortgage app so not opening any credit cards anytime soon. Wanted to see if there timing mattered or if there was rhyme or reason to Disco's credit limit increases. Discover's FICO scorecard updates my score the 5th of every month FWIW.
Very nice. Enjoy
Congrats and thank you for the detail!
Congrats !