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Discover auto CLI then DD fail

Poppa
Frequent Contributor

Discover auto CLI then DD fail

I was given an auto CLI from 5000 to 6300. I did the double dip and was offered another 500. Then it said my amount was now 5500 instead of 6800 Smiley Sad   They took away my 1300 increase to give me the 500!

 

Update: They looked and couldn't find where I ever had an auto increase. Raised it to 6000. Said they would further review account. 

Update: DW also received an auto increase from 5500 to 6900. I did NOT attempt a DD afterward.

FICO SCORE 08 - TU 778 - EX 785 - EQ 779



12/15 - First Tradeline - 12/17 - 800 Credit Score - 3/18 - Homeowner

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10 REPLIES 10
Poppa
Frequent Contributor

Re: Discover auto CLI then DD fail

I decided to check DW's account for DD this morning and it worked fine for her. Another 500 bringing total from 5500 to 7400. Guess I should have waited. When I did the CLI request for my account it showed the current limit at 6300 with available balance of  3880. It said the new limit would be 5500 but I thought it was a glitch from the DD because it said available balance would be 4380. The available balance was correct if my limit was in fact 6800. I should have canceled but since I've never seen the DD before I thought that's just how it happened. It's embarrasing to post but hopefully it will help someone else not make the same mistake I did.

FICO SCORE 08 - TU 778 - EX 785 - EQ 779



12/15 - First Tradeline - 12/17 - 800 Credit Score - 3/18 - Homeowner

Message 2 of 11
VoltronM
Senior Contributor

Re: Discover auto CLI then DD fail

Congrats on 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 3 of 11
Poppa
Frequent Contributor

Re: Discover auto CLI then DD fail

Received email tonight telling me about auto CLI to 6300. I wonder if that will help my case at all.
FICO SCORE 08 - TU 778 - EX 785 - EQ 779



12/15 - First Tradeline - 12/17 - 800 Credit Score - 3/18 - Homeowner

Message 4 of 11
SomewhereIn505
Valued Contributor

Re: Discover auto CLI then DD fail


@Poppa wrote:

I decided to check DW's account for DD this morning and it worked fine for her. Another 500 bringing total from 5500 to 7400. Guess I should have waited. When I did the CLI request for my account it showed the current limit at 6300 with available balance of  3880. It said the new limit would be 5500 but I thought it was a glitch from the DD because it said available balance would be 4380. The available balance was correct if my limit was in fact 6800. I should have canceled but since I've never seen the DD before I thought that's just how it happened. It's embarrasing to post but hopefully it will help someone else not make the same mistake I did.


It’s brave and appreciated that you shared your experience. I’ve never been able to DD. I recently received auto luv, but I cannot DD because I’m still in escrow. 



9/16/17 FICO 9 TU-661 EQ-648 EX-607
12/27/17 FICO9 TU-706 EQ-672 EX-690
3/16/18 FICO9 TU-700 EQ-669 EX-716
6/26/18 FICO9 TU-750, EQ-672, EX-789


Message 5 of 11
AverageJoesCredit
Mega Contributor

Re: Discover auto CLI then DD fail

They did that to me once then said oops big mistake. Til this day I'll never understand how anyone gets a DD. I just get give us your info sir it's like me typing out my request again.. Congrats thoughSmiley Happy
Message 6 of 11
Poppa
Frequent Contributor

Re: Discover auto CLI then DD fail

@

FICO SCORE 08 - TU 778 - EX 785 - EQ 779



12/15 - First Tradeline - 12/17 - 800 Credit Score - 3/18 - Homeowner

Message 7 of 11
Poppa
Frequent Contributor

Re: Discover auto CLI then DD fail

I called in and had limit increased to 6300. They wouldn't take it up to 6800. I'm ok with that. I'm still irritated with myself for screwing up the DD. 

FICO SCORE 08 - TU 778 - EX 785 - EQ 779



12/15 - First Tradeline - 12/17 - 800 Credit Score - 3/18 - Homeowner

Message 8 of 11
AverageJoesCredit
Mega Contributor

Re: Discover auto CLI then DD fail


@Poppa wrote:

@


No , this was at the begining of my first card back in 16. They sent me an email saying I got a 1k increase but I didnt save it and did not fight for it. I sm'd  them but it was like our bad but with no evidence I was solSmiley Wink

Message 9 of 11
Poppa
Frequent Contributor

Re: Discover auto CLI then DD fail


@AverageJoesCredit wrote:

@Poppa wrote:

@


No , this was at the begining of my first card back in 16. They sent me an email saying I got a 1k increase but I didnt save it and did not fight for it. I sm'd  them but it was like our bad but with no evidence I was solSmiley Wink


AJC It was 2 years ago from this auto CLI that I had to use a HP for a CLI on my first Disco card. They didn't show me much love at all back then. 

FICO SCORE 08 - TU 778 - EX 785 - EQ 779



12/15 - First Tradeline - 12/17 - 800 Credit Score - 3/18 - Homeowner

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