Re: Discover IT auto CLI :)

bk510 · ‎07-02-2014

congrats,

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Burned AECitiChase

BluePoodle · ‎07-03-2014

@Anonymous wrote:
Just wanted to let all of you know about my auto CLI..I have read on here a few times that after paying off a larger balance with Discover that you have been carrying for some time you get a auto CLI, or a good chance of one. Well it was funny i had paid off all of my balances and yesterday i was trying to click on the Luv button and it was telling me I cannot proceed at this time and to call customer service. So when i got home from work i called and requested a sp cli and she said "that may be difficult as we just gave you one 2 days ago" I said WHAT??? I did not notice online..Small bump but ill take it..Went from 1700 to 2300...Love Discover..

PS if it helps I was carrying a balance of $1400ish for over 8 months. As soon as i paid it about 10 days later i received the cli.

Congrats and thanks for sharing. So did you PIF? I have been carrying a balance too. At around $1600 =/-

I have been paying but also putting on anywhere for $100-300 each month, so my balance has been remaining about the same. I just paid down to $1000 for this month and I am curious if I need to pay it down to 0 or 10% util. So I wonder what you did. I will be at my 6 month anniversary date this July. I have seen 6 and 7 months as the dates for auto CLI.

Thanks again for sharing.

Tony275 · ‎07-03-2014

Congrats! And good to know! I'll be completing a balance transfer to my DCU card to save a little money on interest! Hopefully they'll show me some LUV!

nismo350z · ‎07-08-2014

Well I'm trying this out at the moment. It's been 8 months and no cli. I've been carrying a balance of $0-550 of a $1800 limit seeing if either the CLI button works or I get an auto CLI. No luck yet but I just paid in full my balance and I'm going to wait a few days. Hopefully I get the same outcome and finally get a CLI.

Also congrats on yours.

chalupaman · ‎07-08-2014

Congrats! I really need to try that soon and pay the balance I have on it soon.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down

ethan17debttackler · ‎07-08-2014

OP--

Congrats on auto luv!

>

-Wade- · ‎07-08-2014

@Anonymous wrote:
Just wanted to let all of you know about my auto CLI..I have read on here a few times that after paying off a larger balance with Discover that you have been carrying for some time you get a auto CLI, or a good chance of one. Well it was funny i had paid off all of my balances and yesterday i was trying to click on the Luv button and it was telling me I cannot proceed at this time and to call customer service. So when i got home from work i called and requested a sp cli and she said "that may be difficult as we just gave you one 2 days ago" I said WHAT??? I did not notice online..Small bump but ill take it..Went from 1700 to 2300...Love Discover..

PS if it helps I was carrying a balance of $1400ish for over 8 months. As soon as i paid it about 10 days later i received the cli.

Congrats on the auto-luv

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******

Florida1990 · ‎07-08-2014

congrats on the increase.

Pre-CH7 Scores- TU 584 EX 540 EQ 581
Post-CH7 Scores- TU 656 EX 630 EQ 670

Navy Fed Cash Rewards-$4,500, Credit One MC $500, Credit One VS $700 Ollo Platinum MC $900, Avant MC $1,000 Primor Secured Vs. $200, Wayfair $750, Eddie, Jcrew, Boscov $250-$300.

Discover IT auto CLI :)

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