Discover IT - CLI - 4th CLI in 7th months

[randomguy1]

Today received a modest $300 Discover CLI,  opened the card in late August 2019, first CLI was post 3 months and was in November 2019. This is the second month in a row of a $300 increase.

The only month I missed was in January, which I spent the most money on the card since I have opened it in December.

Was hoping for more than a $300 increase but from $1000 to $2600 in less than 7 months isn't bad.

Data:

Opened late 8/2019 - $1000 limit

11/1 - +500 -> $1500.

11/1 - Double dip via phone $400 -> $1900

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 - No word on 2 day review, tried again, denial.

2/13 - +300 -> $2300 - Current $0 balance. Instant approval. - Spent most of the card's limit.

3/15 - +300 -> $2600 - $1200 or so spend, so roughly 50% of card limit.

[randomguy1]

Data:

Opened late 8/2019 - $1000 limit

11/1 - +500 -> $1500.

11/1 - Double dip via phone $400 -> $1900

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 - No word on 2 day review, tried again, denial.

2/13 - +300 -> $2300 - Current $0 balance. Instant approval. - Spent most of the card's limit.

3/15 - +300 -> $2600 - $1200 or so spend, so roughly 50% of card limit.

[AverageJoesCredit]

Congrats thats just not .....RANDOM

[Back2Reality]

Wow congrats!!! I love my Discover card so far, opened at the same time as you (secured $500 8/2019 --> unsecured $2000 2/2020).

What are your other DPs? 

- your FICOs?

- Kind of Discover product(s)?

- you are hitting the CLI button online then calling if denied?

- do you know your monthly utils for the card? and do you PIF before statements cut, or due date or carry a balance month to month?

Thanks I'd be interested to see your numbers...again congrats!

[M_Smart007]

Congrats!

[newfossil]

Congratulations!

[randomguy1]

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@Back2Reality wrote:

Wow congrats!!! I love my Discover card so far, opened at the same time as you (secured $500 8/2019 --> unsecured $2000 2/2020).

What are your other DPs? 

- your FICOs?

- Kind of Discover product(s)?

- you are hitting the CLI button online then calling if denied?

- do you know your monthly utils for the card? and do you PIF before statements cut, or due date or carry a balance month to month?

Thanks I'd be interested to see your numbers...again congrats!

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FICOs are all fall around 710-730ish range across the board.. Haven't applied for credit since November, I don't carry balances on any of my cards.

Only have the Discover IT, the card was unsecured from the start.

Hitting CLI button online. Only double dip that has worked was the first one.

Monthly utils are typically 50% unless otherwise stated (above).

PIF- Depends. With this card, usually PIF by due date. Sometimes this card reports, I would have to say 50% of the time the card reports. Never carry a balance.

This is my daily use card unless due to cash back match unless it falls under restaurants/travel/streaming/VISA only transactions (Costco). During the restaurant 5% category, I use this one.

[Back2Reality]

Awesome! Thanks for this, it's very helpful as I rebuild

[AllZero]

Congratulations on your CLI!

[Meanmchine]

Congrats on all your Disco success

[MyFault]

I'm envious, congrats!