Discover CLI

HHH71 · ‎01-20-2022

Discover has been so stingy the last few years. It has been my slowest CLI card along with Cap One. If it's not a flat denial, it's a very small CLI. So the other night I thought I would just try for a CLI. To my surprise it came back with a $4,500 increase. That takes it from $7,000 to $11,500.

'It was a SP if anything and my Ficos are all around 760.

Curious Note: Also, maybe just something I didn't know. Everytime I have asked Discover for a CLI, I selected the box that said I just generally want more credit to meet my longterm needs. Usually a denial or a small increase. This time I decided to hit a different button. I selected I was going to need it to make some short term purchases and boom, a $4,500 increase. Is that a thing? They approve you for more believing you are going to spend more immediately. If so, makes sense. I would imagine there is a coorelation with people needing to spend more now and end up carrying a balance where they can make a lot of money on interest.

CreditMagic7 · ‎01-20-2022

Congratulations on your Discover CLI!!

mgood · ‎01-20-2022

Congratulations!

$17,500 Chase Sapphire Preferred Visa Signature 01/23

$17,500 Chase Amazon Prime Rewards Visa Signature 05/23

$12,000 Chase Freedom Flex World Elite Mastercard 05/21

$17,500 PenFed Power Cash Rewards Visa Signature 01/21

$15,000 PenFed Platinum Rewards Visa Signature 01/21

$25,000 FNBO Evergreen Rewards Visa Signature 01/22

$22,000 Wells Fargo Autograph Visa Signature 10/21

$10,000 US Bank Cash+ Visa Signature 03/23

$7,000 US Bank Shopper Cash Rewards Visa Signature 12/23

$13,900 Citi Custom Cash World Elite Mastercard 07/22

$5,850 Capital One SavorOne World Elite Mastercard 11/15

$4,300 Capital One Cabela's World Mastercard 10/15

$4,000 Eddie Bauer (Comenity Bank) 05/16

$1,000 American Express Blue Cash Preferred 04/24

Starting Score: EQ8 680, TU8 713, EX8 701
Current Score: EQ8 778, TU8 766, EX8 770 as of April 23
Goal Score: EQ8 780, TU8 780, EX8 780
Take the myFICO Fitness Challenge

AZE4 - 2% Utl - New Accts: 3/6, 4/12, 7/24

SUPERSQUID · ‎01-20-2022

{ BK7 DC 12/2019 } target 1600/ kohls Visa 7000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 3000 /first savings bank cc 3000/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 40k
Total utilization around 20 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 110k
Retired since 2017

Total80sKid · ‎01-20-2022

Congrats on your Discover CLI 👍🏼

M_Smart007 · ‎01-20-2022

Nice CLI for Disco 👍

Elpadrino1 · ‎01-20-2022

Congratulations on your Disco CLI!!

Reviewers · ‎01-20-2022

Congratulations on your Discover CLI @HHH71

Trini88 · ‎01-20-2022

That's great!!!! Congratulations 🥳🎉🎊

Happy I read this because it reminded me to check and see if they unsecured my card tonight and they did 🤣

Goal Cards:

SUPERSQUID · ‎01-21-2022

@Trini88 wrote:
That's great!!!! Congratulations 🥳🎉🎊
Happy I read this because it reminded me to check and see if they unsecured my card tonight and they did 🤣

{ BK7 DC 12/2019 } target 1600/ kohls Visa 7000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 3000 /first savings bank cc 3000/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 40k
Total utilization around 20 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 110k
Retired since 2017

Discover CLI

Re: Discover CLI

Re: Discover CLI

Re: Discover CLI

Re: Discover CLI

Re: Discover CLI

Re: Discover CLI

Re: Discover CLI

Re: Discover CLI

Re: Discover CLI

Discover CLI

Get your FICO® Score for free

Discover CLI

Re: Discover CLI

Re: Discover CLI

Re: Discover CLI

Re: Discover CLI

Re: Discover CLI

Re: Discover CLI

Re: Discover CLI

Re: Discover CLI

Re: Discover CLI

Get your FICO Score for free