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Discover CLI

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randomguy1
Valued Contributor

Discover CLI

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.

 

 

Message 1 of 13
12 REPLIES 12
M_Smart007
Legendary Contributor

Re: Discover CLI

Congrats!

Message 2 of 13
AllZero
Mega Contributor

Re: Discover CLI

Congratulations on your CLI!
Message 3 of 13
M_Smart007
Legendary Contributor

Re: Discover CLI


@M_Smart007 wrote:

Congrats!


Felt weird getting a congrats in before @AllZero screamer emoticon.gif

WooHooSmileyWave-vi.gif

Message 4 of 13
AllZero
Mega Contributor

Re: Discover CLI

@M_Smart007.  Lol. Congratulations on your quicker trigger finger. 

Message 5 of 13
Anonymous
Not applicable

Re: Discover CLI

Congratulations on your CLI! 👍

Message 6 of 13
Cred4All
Valued Contributor

Re: Discover CLI

Props for being motivated with all that luv button action.. congrats on another increase!


Message 7 of 13
AverageJoesCredit
Legendary Contributor

Re: Discover CLI


@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 niceSmiley Happy. EnjoySmiley Happy

Message 8 of 13
Anonymous
Not applicable

Re: Discover CLI

Congrats and thank you for the detail!

Message 9 of 13
Meanmchine
Super Contributor

Re: Discover CLI

Congrats !

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>5/2023 All 3 reports 840ish (F8) F9s = 850 but my app finger is still twitching
Message 10 of 13
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