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Discover IT Auto CLI after Denied Requested Increase 3 Days Ago

Citalix
Regular Contributor

Discover IT Auto CLI after Denied Requested Increase 3 Days Ago

1300 --> 1850.  Kind of silly to deny a requested increase, waste paper mailing a denial letter, only to auto increase 3 days later. But I'll take it! 

Personal:
Personal:
Business:
Message 1 of 13
12 REPLIES 12
arunkumarmm
Contributor

Re: Discover IT Auto CLI after Denied Requested Increase 3 Days Ago

Happened to me exactly the same way... Requested for it, they denied it and after 3-4 days I saw the auto CLI of $400
Message 2 of 13
CreditRebuilder2020
Frequent Contributor

Re: Discover IT Auto CLI after Denied Requested Increase 3 Days Ago

Hope that happens to me one of these days haha 

 

Been denied twice since last November on a CLI on my $200 Discover IT Cash Back card.

 

It was a secured card that went unsecured, the reasoning I get in the letter as "Too short amount of time with current credit line" 

 

Even though I've had the $200 for 20 months, both secured and unsecured. 


AMEX Gold / Verizon Visa $1500/ Apple Card $1500 SL / Lowe’s Advantage $1500 / Home Depot CC $3K/ Discover IT Chrome $2K SL / BP Card $1300 / PayPal MC $3K /
BOA BankAmericard $2K / BOA Cash Rewards $1000 / Cap One Savor One $1200 / Cap One QS1 - $850 / Blaze MC $1750 / Credit One $850 / OpenSky $500 / AvantCard $500 / Discover IT Cash Back (Graduated Secured) $200 CLI to $400 / EBAY MC $500
Jan of 2017 Credit Karma: 404 -SEPT OF 2018: EX 652 EQ 626 TU 604
AUGUST OF 2019 1% UTL - EX 681 EQ 667 TU 659
Total Credit Limit: $28000 -
Goal Score: 675 for all FICOS (ACHIEVED EX)
NEW GOAL SCORE: 725 for ALL FICOS
CURRENT MAY of 2021: EX 692 EQ 696 TU 706
Message 3 of 13
AverageJoesCredit
Mega Contributor

Re: Discover IT Auto CLI after Denied Requested Increase 3 Days Ago

Congrats on getting a Disco DoDo cliSmiley Happy
Message 4 of 13
FireMedic1
Super Contributor

Re: Discover IT Auto CLI after Denied Requested Increase 3 Days Ago

Congrats! Better than the mailed Insuff... blah blah blah.............Smiley Very Happy

 






My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. Help fellow members accomplish the rebuild when you do it right and play the FICO Credit Game.
Message 5 of 13
VoltronM
Senior Contributor

Re: Discover IT Auto CLI after Denied Requested Increase 3 Days Ago

Congrats on rare auto luv CLI !!!!!!

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 6 of 13
gdale6
Moderator

Re: Discover IT Auto CLI after Denied Requested Increase 3 Days Ago

Gotta luv computers. Grats OP Smiley Happy
Message 7 of 13
Marz2002
Senior Contributor

Re: Discover IT Auto CLI after Denied Requested Increase 3 Days Ago

Congratulations on your AMAZING experience with Discover!

 

I have hit the LUV button MANY times and I have never received a CLI denial letter followed by an auto CLI.  As a matter of fact, I have only received 1 Discover auto CLI since I apped for the card in April 2018.

AMEX BCP $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $13.7K | Citi Rewards WMC $14K | Citi Costco VS $12K
Citi Custom Cash WEMC $7.8K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) |
BBVA Compass Rewards VS $10.5K | NFCU cashRewards $7K | NFCU More Rewards AMEX $33.5K | NFCU Flagship Rewards VS $19K
Discover IT $21K | BB&T Cash Rewards $4.5K | Macy's AMEX $18K | Apple Card WEMC $6K | PenFed Power Cash Rewards VS $7.5K

Total CL - $226K+
Message 8 of 13
pinkandgrey
Community Leader
Senior Contributor

Re: Discover IT Auto CLI after Denied Requested Increase 3 Days Ago

Either way congrats lol

Discover It: 19.7k
Amex ED: 18k
Citi DC: 7.7k
Fidelity Visa: 2k
Apple Card: 1.5k
Message 9 of 13
ZackAttack
Frequent Contributor

Re: Discover IT Auto CLI after Denied Requested Increase 3 Days Ago


@Citalix wrote:

1300 --> 1850.  Kind of silly to deny a requested increase, waste paper mailing a denial letter, only to auto increase 3 days later. But I'll take it! 


Wished that happen to me. I sent a CLI 5 days and an agent told me I was denied. The agent said I'll get the denial letter in the mail vs sending it through an email as a pdf???

Is someone trying to kill trees?

MSGCU Rewards | $5k | 10/2/2020 | 9.25% APRDiscover Cash It | $4,550 | 1/4/2019 | 12.99% APRAmex 1.5% CB | $3.9k | 7/3/2019 | 20.99% APRBest Buy Store Card | $3kChase Freedom Flex | $1.2k | 4/10/2020 | 14.99% APRDiscover Cash It | $1,500 | 10/2/2020 | 11.99% APRCiti DC | $3.5k | 10/14/2020 | 16.99% APRDCU Platinum | $8k | 10/21/2020 | 8.5% APRNFCU cashrewards | $5.7k | 1/2/2021 | 16.99% APRNFCU Plat | $20k | 4/17/2021 | 10.99%

Loans
Ford Credit Car Loan 3-year 7/31/2018 ($199.26/month)
$8,000 DCU Personal Loan 5-year 5.99% 10/2/2020 ($155.38/month)

Closed
Michigan Schools & Gov't CU Titanium 1/4/2019 - 10/2/2020

Banks
 MI Schools & Gov't CUDCUNavy Federal Credit UnionChase BankAOD FCUDiscover BankGenisys CU
Message 10 of 13
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