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Discover IT CLI - 2 Day Success

MOMO83
Valued Member

Discover IT CLI - 2 Day Success

I opened my Discover IT card on 4/22/18 after receiving a few of those pretty sparkly mailers. Initially approved for $6,000. I was trying to maximize this quarter's cash back bonus (5% @ grocery stores + cashback match) so I've been using "IT" a lot. After reading the wonderful advice on these boards I saw that Discover was sort-of a mystery in how they operate for SL's and CLI's. I asked for a CLI after each statement cut (month 1, month 2, and month 3). I was denied month 1 and 2 due to insufficient experience. Fast forward to Friday morning, the day after statement 3 cut...I tried for a CLI. To my surprise (my account is still under 90 days old), I was not instantly denied. I received the "Your request is under review" 2 business day notice. Okay, better than NO, right? I checked my account an hour ago and see that I have a new SL: $7,500. Woohoo!  Smiley Happy 

 

Rebuilding credit since July 2017 (Ch7 BK discharge).
Obtained: Capital One Platinum Mastercard $750 - CreditOne Visa $600 - Best Egg Loan $5,000 - DiscoverIT $7,500 - Capital One Quicksilver Visa Signature $5,000.
Desire: Apple Barclaycard Visa
Fico8 07/2018: EX 691, EQ 683, TU 698 - Gardening until December 2018
7 REPLIES 7
burntreality
New Contributor

Re: Discover IT CLI - 2 Day Success

Congrats on the CLI.  

 

Starting score: 513 (Pulled from MyFico)
Current Score: EQ=735 TU=744 EX=746
Message 2 of 8
Hankthetank718
Established Member

Re: Discover IT CLI - 2 Day Success

Very nice, Congrats!









Message 3 of 8
Xiang182838
Established Contributor

Re: Discover IT CLI - 2 Day Success


@MOMO83 wrote:

@I opened my Discover IT card on 4/22/18 after receiving a few of those pretty sparkly mailers. Initially approved for $6,000. I was trying to maximize this quarter's cash back bonus (5% @ grocery stores + cashback match) so I've been using "IT" a lot. After reading the wonderful advice on these boards I saw that Discover was sort-of a mystery in how they operate for SL's and CLI's. I asked for a CLI after each statement cut (month 1, month 2, and month 3). I was denied month 1 and 2 due to insufficient experience. Fast forward to Friday morning, the day after statement 3 cut...I tried for a CLI. To my surprise (my account is still under 90 days old), I was not instantly denied. I received the "Your request is under review" 2 business day notice. Okay, better than NO, right? I checked my account an hour ago and see that I have a new SL: $7,500. Woohoo!  Smiley Happy 

 


Nice!!!!!!Smiley Very Happy




Message 4 of 8
JR_TX
Valued Contributor

Re: Discover IT CLI - 2 Day Success

Congrats! Yeah those 2-day letters have always yielded more positive results than bad! Enjoy your new CL!
Mission Accomplished on Dec 07 2020! Rebuild Complete!

New cc TLs : 1/6 ; 2/12 ; 3/24
HPs EX 3 EQ 3 TU 1
AAoA 5y6m
UTIL 1% - 3%

$236K+ Total Limits











Message 5 of 8
MartyWrite75
Established Contributor

Re: Discover IT CLI - 2 Day Success

Congratulation on your CLI!!

June 2021: Experian 710 Equifax 701 Transunion 723


Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS1: $4,100 || Discover It: $3,400 || Cap One Walmart: $600 (Sock drawer) || AMEX BCP: $1,000 || Amazon Prime Store Card: $6,000 || Overstock Store Card: $6,050 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $2,000

Wishlist Cards:
Citi Double Cash || Paypal Mastercard || Cap One Savor

Gardening from 03/18/2021 to 04/18/2023 (ideally)
Total Utilization: 10%
Message 6 of 8
AverageJoesCredit
Mega Contributor

Re: Discover IT CLI - 2 Day Success

Nice jobSmiley Happy
Message 7 of 8
MOMO83
Valued Member

Re: Discover IT CLI - 2 Day Success

Thanks, Everyone!

 

I am tempted to put through another CLI on day 91 or 92, say July 22nd or 23rd, just to see what happens. Smiley Happy

Rebuilding credit since July 2017 (Ch7 BK discharge).
Obtained: Capital One Platinum Mastercard $750 - CreditOne Visa $600 - Best Egg Loan $5,000 - DiscoverIT $7,500 - Capital One Quicksilver Visa Signature $5,000.
Desire: Apple Barclaycard Visa
Fico8 07/2018: EX 691, EQ 683, TU 698 - Gardening until December 2018
Message 8 of 8
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