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
Congratulations on your 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?