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Discover cli train

dtk6802
Established Contributor

Discover cli train

So after 6 months into my second year with discover the cli train picked me up.
First my newest card sl of 2000 was increased x2- 4000 on December 1st, then around xmas got another 500-4500, today I accepted another 500 to make it 5000 cl.
My older card wich was unsecured after 7 months last year from 200-2000, got its first cli 2 weeks ago, this was only 300 bringing my cl to 2300(total 7300 both cards)
Utilization is at 2%, was around 5 until the 1st of January.
I've been approved for 5-6 other cards after discover.
I do usually max out the categories with my newer card.
Scores in sig.
I've noticed they only soft pull experian every 5 weeks or so. Unlike amex who seems to do it weekly sometimes almost daily.
I'm happy with the cli.
I'll try to combine limits onto older card next time I see a cli. If not possible to combine I'll most likely make Discover my next application in May.
Wich I would hope would help with a healthy starting limit and a decent apr. Currently my older card has 19% wich isn't close to my dcu 10% but I still want to keep that card open if possible since it's my oldest open credit card. My newer disco has a 23% apr. I dont carry balances but obviously I'm trying to get all APR's as low as I can.
I hope if I close my older card (if they wont combine limits) and apply for a 3rd discover I'd get a better apr.
When discover moves limits will they do it all at once? Do both cards have to be open for a year?
I'd rather not close the card w/o moving limits
Starting score(February 2018)-520Current Score: FICO 8- 748EX, 768TU, 770EQ, Goal Score: 780 by (05/2020)
BUISNESS CREDIT
Citi AAdvantage p.s. 11,000 SL

Amex Hilton-3000
Amex SimplyCash Plus® -1300-
Amex Blue Business Plus Card - 10,000.
Amex green charge card- NPSL

inquiries scoreless. Ex, Tu, Eq=1,1,1
TOTAL PERSONAL CL 100,000+
Amex Green
BJs perks World Mastercard-14,000
HILTON HONORS-2000
Cap1 Venture(Downgraded to V1)-VS-5,500
Sams Club MC 20000
Citi® - AAdvantage® Platinum Select® WEMC-10,500CL, Citi Premier(WMC)(upgraded from rewards+)9750
1st Disco It- 4200 , 2nd Disco it- 5500CL
Dcu-3000-
12/18 Amazon SC- 10,000 cl AND-Walmart SC-7500cl, Home depot- 2000cl-
- Auto loan(80% paid off)
Goal score 800


5 REPLIES 5
AllZero
Super Contributor

Re: Discover cli train

Congratulations on your CLI!
Message 2 of 6
Bbcatcher
Valued Contributor

Re: Discover cli train

Congratulations!



Message 3 of 6
M_Smart007
Epic Contributor

Re: Discover cli train

Congrats!

popcorn eating emoticon.gif
Message 4 of 6
Steve891
Senior Contributor

Re: Discover cli train

Congrats on your Disco increase!




Message 5 of 6
Pro-X
Frequent Contributor

Re: Discover cli train

Congrats!!


Message 6 of 6
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