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Discover CLI!

jordandhale95
Regular Contributor

Discover CLI!

Applied for a Discover It card back in late September 2018 with a $500 SL. Followed most of the guidelines I saw and didn't request a CLI until 3 months/90 days. Nothing. Requested once every month following and nothing. Took a break for two months, said what the hell and submitted a request via the luv button yesterday (I also changed my income from 85,000 to 120,000. For some reason I was always being generous before, but felt like being realistic) and got a small $300 increase. Accepted it and immediately called in and they increased it an extra $200 to $1,000! Small, but grateful for finally getting an increase. :-)

Current Score (01/13/2020): EXP: 680; TU: 684; EQ: 665
Gardening as of 01/13/2020

Community America CU Cash Rewards - $10000 | Discover It Cash Back - $4000
Nordstrom Credit Card - $4000 | BMO Harris Cash Back MasterCard - $4000
Discover It Cash Back - $2000 | US Bank Cash+ Visa Signature - $2000
Target Red - $1100 | Chase Starbucks Visa - $1000
Capital One Quicksilver - $700

Total Credit: $28800
Message 1 of 13
12 REPLIES 12
HighAchiever
Established Contributor

Re: Discover CLI!

That is awesome!!! Continue using it wisely and your Disco card will grow with time! Congrats!!! Smiley Happy

“Most people work just hard enough not to get fired and get paid just enough not to quit.”
Take the myFICO Fitness Challenge


Message 2 of 13
Aim_High
Senior Contributor

Re: Discover CLI!

Great job!

 

Keep plodding along and before you know it you'll be getting even bigger increases as you get more established. 

 

If you're using that Capital One card some and keeping it in good standing, you can work it up slowly with only soft pulls.  I started with only a $1K limit and was just approved for $22K after several years or hitting the 'luv button'. 



Length of Credit > 35 years; Total Credit Limits > $500K
AoOA > 27 years (Jun 1993); AoYA (Aug 2020); Gardening since 08/15/20.
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 3 of 13
jordandhale95
Regular Contributor

Re: Discover CLI!

I read that Discover loves you utilizing what they give you so I put all my purchases on it and paid it off several times throughout the month! Hoping it continues to grow.

Current Score (01/13/2020): EXP: 680; TU: 684; EQ: 665
Gardening as of 01/13/2020

Community America CU Cash Rewards - $10000 | Discover It Cash Back - $4000
Nordstrom Credit Card - $4000 | BMO Harris Cash Back MasterCard - $4000
Discover It Cash Back - $2000 | US Bank Cash+ Visa Signature - $2000
Target Red - $1100 | Chase Starbucks Visa - $1000
Capital One Quicksilver - $700

Total Credit: $28800
Message 4 of 13
jordandhale95
Regular Contributor

Re: Discover CLI!

@AimHigh, the Cap1 card I have was initially a credit rebuilder card and even though I've been in really good standing with them for going on 2 years now, they don't increase my limit no matter how often I request it. 

Current Score (01/13/2020): EXP: 680; TU: 684; EQ: 665
Gardening as of 01/13/2020

Community America CU Cash Rewards - $10000 | Discover It Cash Back - $4000
Nordstrom Credit Card - $4000 | BMO Harris Cash Back MasterCard - $4000
Discover It Cash Back - $2000 | US Bank Cash+ Visa Signature - $2000
Target Red - $1100 | Chase Starbucks Visa - $1000
Capital One Quicksilver - $700

Total Credit: $28800
Message 5 of 13
RobertJ
Established Contributor

Re: Discover CLI!

Great job.  I love Discover and have been using their card since 2010 with great success and BT offers.  

 

Dwight Congrats.gif



Message 6 of 13
Aim_High
Senior Contributor

Re: Discover CLI!

@ I have heard about a program with Capital One called "Credit Steps" which you should be eligible for even with poor or average credit. 

 

I would call Customer Service and try to get enrolled. 

 

(I did my credit line increases though their regular impersonal online credit line increase request, so I'm not really familiar with Credit Steps but I've heard about it a lot.)



Length of Credit > 35 years; Total Credit Limits > $500K
AoOA > 27 years (Jun 1993); AoYA (Aug 2020); Gardening since 08/15/20.
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 7 of 13
CreditMagic7
Super Contributor

Re: Discover CLI!

Congratulations on your new CLI!!

Message 8 of 13
FireMedic1
Super Contributor

Re: Discover CLI!

Gotta love Disco! Congrats!

Message 9 of 13
pinkandgrey
Community Leader
Senior Contributor

Re: Discover CLI!

Congrats! Nice increase. Don’t worry—Disco has a lot of upward mobility 

Discover It: 19.7k
Amex ED: 18k
Citi DC: 7.7k
Fidelity Visa: 2k
Apple Card: 1.5k
Message 10 of 13
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