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Discover CLI

Auto Loans for ANY Credit Situation. Immediate Response.
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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
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Super Contributor

Re: Discover CLI

Congrats!

Message 2 of 13
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Senior Contributor

Re: Discover CLI

Congratulations on your CLI!
Message 3 of 13
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Super 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
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Senior Contributor

Re: Discover CLI

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

Message 5 of 13
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Established Contributor

Re: Discover CLI

Congratulations on your CLI! 👍





INQ's: EQ: 0 TU: 0 EX: 0 (last 12 mo.)
Recent Accounts: 1 (last 24 mo.)
Total CL: 14.95k Util. 0% AAoA: 2 yrs, 1 mo.
AoOA: 2 yrs, 6 mo. AoYA: 1 yr, 5 mo. 100% PIF.





Goal Cards:


myFICO Member since: July 21, 2018 | Joined Community: Aug. 17, 2018 | Starting Scores: EQ: 716 TU: 738 EX: 698
Message 6 of 13
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Valued Contributor

Re: Discover CLI

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


Message 7 of 13
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Community Leader
Mega 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
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Frequent Contributor

Re: Discover CLI

Congrats and thank you for the detail!



Starting Score: (Nov 13) EQ 650, EXP 750, TU 750
Score: (Aug 2, 2014) EQ 722, EXP 780, TU 777
Score: (Aug 11, 2014) EQ 781, EXP 784, TU 779
Score(Nov 22, 2014) EQ 814, EXP N/A, TU 781
Score(Dec 16, 2017) EQ > 720, EXP ?, TU > 730
Score(Mar 10, 2018) EQ 736, EXP 740, TU 724
Score(Apr 7, 2018) EQ 752, TU 750, EXP 753
Score(Jun 14, 2018) EQ 784, TU 771, EX:777
Score(Feb 20, 2019) EQ , TU 713 , EX:
Goal Score: EQ 800, EXP 800, TU 800 | Take the myFICO Fitness Challenge



Message 9 of 13
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Super Contributor

Re: Discover CLI

Congrats !




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>01/2020 CCT EX 832 TU 848 EQ 842
It's just a jump to the left
And then a step to the right
Put your hands on your hips
You bring your knees in tight
But it's the pelvic thrust that really drives you insane
Let's do the Time Warp again!
Let's do the Time Warp again!

Message 10 of 13
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