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Discover IT CLI

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Established Contributor

Discover IT CLI

Hit the 91 day mark...  We kind've hesitant since I just got the several INQ's from NFCU during my approval process, but since the account han't posted to my credit reports yet, I figured what the heck?

 

+$1,000 for my frist CLI.  Used it heavily for three months, then PIF before the closing date and waited until the balance updated on my CR.

 

Now I will have all my CC debt at 0% AND I can close yet another low-limit card...  I've got a couple of stupidly-obtained Comenity store cards that will go bye bye when they hit 1 year.

 

NFCU MR: $25K | Venture: $21K | Amex ED: $18K | NFCU CR: $18K | Amex BCE: $15K | IT #1: $15K | PNC Core: $15K | PPMC:  $12K | Wells Fargo: $11K | Savor: 12K | Cap1 QS: $8.5K | Barclays Rewards: $7.75K | IT #2: $6.8K | MLife: $6.5K | Sportsman's Guide: $8.7K | NRA: $5.5K | Elan Plat: $2.3K | Cap1 PS: 2K | TRV: $2.8K | Cabela's: $1K |



 


 


 


Current FICO 8 Scores: EQ: 735 | TU: 741 | EX: 733

Message 1 of 10
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Contributor

Re: Discover IT CLI

Dalmus

 

Congrats on the Discover cli, I'm still waiting for one and I've learned to not carry a balance so hopefully that increase is in my near future. I plan on closing some of my comenity cards that I haven't used in a year as well. Wishing you the best on your journey.

Message 2 of 10
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Senior Contributor

Re: Discover IT CLI

Congratulations on a nice Discover CLI, Dalmus! Well done. Smiley Happy


Favorite Cards : ~ Citi Double Cash World Elite MasterCard ~
~ American Express Blue Cash Preferred ~ Chase Hyatt Visa Signature ~
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Message 3 of 10
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Frequent Contributor

Re: Discover IT CLI

Congrats! Can't wait for my first Disco CLI!

FICO 8 Scores: EX 706 (11/3/2016) EQ 696 (11/17/16) TU 708 (11/17/2016)

"Use your Credit wisely, don't let it use you!"~Me Smiley Very Happy

Message 4 of 10
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Established Contributor

Re: Discover IT CLI


@Maxi11510 wrote:

Dalmus

 

Congrats on the Discover cli, I'm still waiting for one and I've learned to not carry a balance so hopefully that increase is in my near future. I plan on closing some of my comenity cards that I haven't used in a year as well. Wishing you the best on your journey.


 In months 1-3, I let about 50% usage post.  I think what they like to see is that DECREASE in average balance right before a CLI request.

 

 I say that that because  I tried last month and my denial reason was "History of increasing balance," instead of "Not enough experience at current credit limit."

NFCU MR: $25K | Venture: $21K | Amex ED: $18K | NFCU CR: $18K | Amex BCE: $15K | IT #1: $15K | PNC Core: $15K | PPMC:  $12K | Wells Fargo: $11K | Savor: 12K | Cap1 QS: $8.5K | Barclays Rewards: $7.75K | IT #2: $6.8K | MLife: $6.5K | Sportsman's Guide: $8.7K | NRA: $5.5K | Elan Plat: $2.3K | Cap1 PS: 2K | TRV: $2.8K | Cabela's: $1K |



 


 


 


Current FICO 8 Scores: EQ: 735 | TU: 741 | EX: 733

Message 5 of 10
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Regular Contributor

Re: Discover IT CLI

Dalmus...I think you might be on to something there...another member posted something about being declined for CLI because of no balance history...or something to that effect. Oh, if only we knew the algorithms they use...

 

Congrats!!

Message 6 of 10
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Super Contributor

Re: Discover IT CLI

Congrats!

Message 7 of 10
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Valued Contributor

Re: Discover IT CLI

Dalmus, Congratulations on your CLI!! Looking forward to my first one in the next couple of months! 

"Hover mouse over cards to see CL and APR info"


Message 8 of 10
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Established Contributor

Re: Discover IT CLI

Congrats!

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Community Leader
Super Contributor

Re: Discover IT CLI

not a bad CLI for your first! Im stuck on $500/91 day train. Congrats to youSmiley Happy

My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013
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