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Discover CLI

Valued Contributor

Re: Discover CLI

What a great rebuild! Congratulations and thanks for the DPs!😊

(+76) | (+92) | (+124) | TU Fico 9: 704 | Exp Fico 9: 737

Goal: Min. 740 w/all CRAs - Met
Next Goal: Amex BCE
Subsequent Goal(s): Min. 780 w/all CRAs
Gardening Until: ??/??/202?| Last App: 7/21/2021
Message 11 of 19
Frequent Contributor

Re: Discover CLI

@totallymytravis wrote:

Wonderful news today was making a payment online and decided to hit the Credit Line Increase option. Was approved for an additional $2,500 bringing the total credit line to $6000.


Filed for Ch 7 DC 2017

discover was IIB

was approved for a discover with $3500 limit in late 2018 used the 0% for 18 mos

0% expired in December 2020 paid larger payments until I was at about 50% utl 

started to use the card (even with a balance ugh) for the rewards and to prevent balance chasing and figured the 5% cash back would help offset interest charges. Would pay off any additional over the last standby balance that was spent plus about $250 more of the previous statement balance.

did this for about 3 months finally got the increase Smiley Happy 

Congrats! Did you double dip or was the $2500 online? I stopped requesting increases since the Pandemic and assumed they were not increasing. Good to hear.

Starting Score (May 2017): 584 TU
Current Scores: 752 TU, 717 EQ, 750 EX

Goal Score: 820+

Message 12 of 19

Re: Discover CLI

Doing well with Disco considering the IIB burn, grats on it Smiley Happy

Message 13 of 19
Regular Contributor

Re: Discover CLI

Congrats on CLI , you Discovered method

Message 14 of 19
Valued Contributor

Re: Discover CLI

Congrats on your Disco CLI!

Message 15 of 19
Valued Contributor

Re: Discover CLI


Congrats on your Discover CLI!


|| DTI 8% || Mortgage Scores: EQ724, Tu694, EX726 ||
Inquiries: EQ/TU/EX (0 / 2 / 1) - 0/6 - 0/12 - 3/24 ||

Next App on the list is ???
Last apps: (2) August 18, 2019
Garden goal - Unknown date, 2021
Going for Sapphire spade - May 18th 2021

Dirty/ Thick/ Aged/
Message 16 of 19
Established Contributor

Re: Discover CLI

Congrats! Discover seems to be loosening up lately.

SoFi World Elite MC (TBOM) $7000 SL
REDcard (TD Bank) $2500 SL
AmEx Cash Magnet $10k SL, CLI after 36hr to $20k- $30k CL
BB&T Rewards $11k SL- impulse application
BB&T Rewards $11k SL- AU, not on reports- impulse app (wife's card)
Discover $8800 CL- $1k SL- AU, no longer on reports b/c of error (wife's card)
Citi Double Cash WEMC $8400 CL- AU- (wife's card)
AmEx Cash Magnet $27,900 CL (wife's card)
BoA Cash Rewards $11k CL- AU (Dad's card)
BoA Premium Rewards $12.3k CL- AU (Dad's card)
PSECU Founder's Card $30k SL- AU (Dad's card)
AmEx Cash Magnet $30k CL- AU (Dad's card)
Wells Fargo Propel AmEx $3200 CL (AU, wife's card, not on CR b/c I was temporarily removed as an AU)

Credit Scores for both of us around 800, depending on what you pull & balances. All PIF, frequently before statement close
Goals: Buy a house, AOD VISA Signature card (or other 3% cashback), Chase Freedom Flex, $250k on CR, $100k NOT including AU accounts
Closed accounts (long period of inactivity): AmEx clear, Citi ThankYou (previously Driver's Edge), Chase Freedom, Cap One, Discover IT, Lowes, 1st REDcard, Visa, Children's Place, Kohl's, Angel Card (AU- wife's), Old Navy, Wells Fargo Active Cash (2%)- $2k SL- AU (wife's card)
Message 17 of 19

Re: Discover CLI

Congratulations !!!

Message 18 of 19
Established Contributor

Re: Discover CLI

Congrats @totallymytravis on your Disco CLI and continued success! Smiley Wink

Message 19 of 19
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