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Discover pulled through!! CLI

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aurelie00
Regular Contributor

Discover pulled through!! CLI

I am so incredibly happy and thankful to Discover. 

I requested a credit line increase online with Discover and was denied.  After reading on the forums, I wasn't sure how it would go.  Called the recon number and answered a couple of questions and was given an CLI! 

 

Stats:

Member since 2001

Initial CL:  $1300

CL until today:  $1800

CL as of today:  $2750

CS:  580

HP

 

I know this isn't a huge increase, but it's now my highest CL, and considering that it's been at $1800 for over 7 years, I'm happy with the outcome. I went through a super rough patch last year...had SL's with 90day lates and an old collection. 


Starting Score: 524
Current Score: 715
Goal Score: 720


Take the myFICO Fitness Challenge


Message 1 of 14
13 REPLIES 13
john398
Senior Contributor

Re: Discover pulled through!! CLI

when you do it online is it a hard pull?

Message 2 of 14
aurelie00
Regular Contributor

Re: Discover pulled through!! CLI

No, the online request was soft....the recon was hard.


Starting Score: 524
Current Score: 715
Goal Score: 720


Take the myFICO Fitness Challenge


Message 3 of 14
eddie84
Valued Contributor

Re: Discover pulled through!! CLI

Congrats!  You've been with them long enough that they ought to show you some love. lol  Otherwise, I'd be like "I'm outta here!!". Smiley Tongue

Message 4 of 14
john398
Senior Contributor

Re: Discover pulled through!! CLI


@aurelie00 wrote:

No, the online request was soft....the recon was hard.


ok thanks

Message 5 of 14
kevinjjc
Valued Contributor

Re: Discover pulled through!! CLI

Congrats! You deserved the CLI based on your history with Discover.

Message 6 of 14
determinedchick
New Contributor

Re: Discover pulled through!! CLI

Wow, you give me hope.  Ive been with them since 2004 and have never been increased, still at $700!  

 

2/18/15 via Discover's FICO 649
3/11/15 via Walmart's FICO 692
Cap One Platinum $2250 Discover $700 VS $2350 Belk $700 Care Credit $6,200-co-app w/ husband Walmart $650 Cap One $2250 Plat Prestige $1,000 Chase Freedom $7000 AmEx $1500
Message 7 of 14
Rhaeny
Valued Contributor

Re: Discover pulled through!! CLI


@determinedchick wrote:

Wow, you give me hope.  Ive been with them since 2004 and have never been increased, still at $700!  

 


$700 since 2004????  I would be calling in and requesting a CLI now!  That is provided you've paid them well and don't have any recent baddies.

Cap1 Quicksilver 20K | Chase Amazon Visa 10K | Citizens Bank MC 8K | Citibank MC 5.2K | Discover 5.5K | Home Depot 6K | Bank of America Visa 12K | Best Egg Visa 3.8K | Dell 3.5K |Ally MC 2.9K | Apple 4.5K | Merrick Visa 2.3K | Verizon Visa 250 | Amazon Store 1.8K



Fico Score 8: Equifax 725 | Transunion 742 | Experian 734
Message 8 of 14
09Lexie
Moderator Emerita

Re: Discover pulled through!! CLI

Message 9 of 14
09Lexie
Moderator Emerita

Re: Discover pulled through!! CLI

I just checked ops siggy, double congrats that you received a CLI with a sub 600 CS! Discover obviously weighed your pyt history with them over the SL's and did not hold it against you!

I like it when lenders see past numbers! Well done
Message 10 of 14
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