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Discover CLI

slowbut850sure
Regular Contributor

Discover CLI

cycle just ended 24th.  after reading the plethora of DPs on Discover CLIs I decided to try to get them after a cycle ends and after a FICO increase.  

 

today I got a $3,000 increase to increase my $8,000 CL to $11,000. 

 

DPs - opened account in August @ $7,5000 SL

-had a Discover card from 2000 to 2004.  Was late multiple times. 

-had another discover 2006-2008, was late multiple times.  

-honestly don't remember how I settled, pretty sure I got a 60 or 90 day notice and paid up.  Remember doing a credit rehab program around     2003 and 2005 to get my accounts current, debt paid down, and credit history cleaned up.  

-asked for a credit increase in September and was told "not enough experience with current credit limit"

-TU FICO 8 went up in October by a few points so I asked mid cycle and got a $500 CLI from $7,500 to $8,000

-asked in November after FICO went up but before cycle ended and was declined for 'not enough experience"

-tried again today and succeeded with the timing of another TU FICO increase and a new cycle.  

 

happy holidays to all

started tracking Experian - Starting Score:523 | Current Score:672 | Goal Score:740
now tracking all 3

2/20/19
Take the myFICO Fitness Challenge
Message 1 of 8
7 REPLIES 7
CerebralZulu
Frequent Contributor

Re: Discover CLI

Congratulations! Diligence pays off.



Message 2 of 8
xaximus
Valued Contributor

Re: Discover CLI

Congrats on the CLI! Did you call in and DD?


Scores - All bureaus 756 +
TCL - Est. $275K
Message 3 of 8
19eighty5
Senior Contributor

Re: Discover CLI

Congratulations on your CLI!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 4 of 8
CreditCuriosity
Moderator

Re: Discover CLI

Congrats on the CLI.

 

Rest sounds on par with discover

Message 5 of 8
CreditInspired
Super Contributor

Re: Discover CLI

Welcome OP and congratulations.

I’ve noticed I get my largest CLIs when I have big spend and big payment within 2 stmt periods.


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
Message 6 of 8
slowbut850sure
Regular Contributor

Re: Discover CLI

No I did not do the DD.  I'm an idiot.  Both times I've done it late at night, just before bed and I was too tired to get on the horn and push the issue.  Although I do wonder whether I would have better luck with DD on the $500 increase or the $3000 increase.  oh well, too late now, right?  

started tracking Experian - Starting Score:523 | Current Score:672 | Goal Score:740
now tracking all 3

2/20/19
Take the myFICO Fitness Challenge
Message 7 of 8
awg420
Regular Contributor

Re: Discover CLI

Congrats! Can't get Disco to budge from 4K for me Smiley Mad

Message 8 of 8
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