Discover it CLI $500 after 4 months!

Royalbacon · ‎09-11-2016

Got approved for the card back in May 2016 for a $3000 credit limit, decided to try for a CLI and got $500! Now it's up to $3500.

Not huge, but I'll gladly take it! Used my discover a bunch after I got it, bought a whole bunch of computer parts at Micro Center around $1200 back in June and paid it in full and have hardly used it at all since.

Chapter 7 Bankruptcy Filed-September 2020 Discharged-December 2020
Kohl's Credit Card $3000 Limit (Opened October 2016) Survived Bankruptcy for whatever reason
Closed Capital One Venture One $3000 Limit (Opened December 2020, Closed by me September 2022 since I wanted the SavorOne and couldn't product change to it)
Capital One Auto Loan (Opened March 2021)
Capital One Cabela's $5000 Limit (Opened December 2021)
America First Credit Union Visa $1000 Limit (Opened December 2021)
Capital One SavorOne $5000 Limit (Opened September 2022)
Sam's Club Mastercard Synchrony Bank $2500 Limit (Opened March 30 2023) (Burned Synchrony in my CH7 BK, One card with a $745 balance)
Idaho Central Credit Union ICCU Visa $10,000 Limit (Opened April 2023)

Anonymous · ‎09-11-2016

Congrats to you on your increase! I'd try again for another one in 31 days! I always take any increases offered to me (might not be there when I check back). Enjoy your card even more!

Anonymous · ‎09-11-2016

Congrats!!!!

Royalbacon · ‎09-11-2016

Thanks! I always take the maximum too I am offered when it comes to any CLI!

Chapter 7 Bankruptcy Filed-September 2020 Discharged-December 2020
Kohl's Credit Card $3000 Limit (Opened October 2016) Survived Bankruptcy for whatever reason
Closed Capital One Venture One $3000 Limit (Opened December 2020, Closed by me September 2022 since I wanted the SavorOne and couldn't product change to it)
Capital One Auto Loan (Opened March 2021)
Capital One Cabela's $5000 Limit (Opened December 2021)
America First Credit Union Visa $1000 Limit (Opened December 2021)
Capital One SavorOne $5000 Limit (Opened September 2022)
Sam's Club Mastercard Synchrony Bank $2500 Limit (Opened March 30 2023) (Burned Synchrony in my CH7 BK, One card with a $745 balance)
Idaho Central Credit Union ICCU Visa $10,000 Limit (Opened April 2023)

Anonymous · ‎09-11-2016

Congrats! Those $500 increases will add up nicely

AverageJoesCredit · ‎09-11-2016

Awesome ! You are on your way

joltdude · ‎09-11-2016

Is there an advantage of refusing the increase on Discover? Have seen that refusing an increase on Cap 1 can sometimes bring a substantial increase offer a few weeks later...

Anonymous · ‎09-11-2016

Congrats on the CLI... I am wondering if Discover train is coming back ? we missed it

austinguy907 · ‎09-11-2016

@joltdude wrote:
Is there an advantage of refusing the increase on Discover? Have seen that refusing an increase on Cap 1 can sometimes bring a substantial increase offer a few weeks later...

I don't think Discover plays the same game.... besides... if you don't explicity decline it they apply it to your limit

OP - just keep using it for small stuff and PIF... It will grow with time and usage!

Anonymous · ‎09-11-2016

Good job on the CLI!