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Discover -- small SP CLI

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cmm89
Frequent Contributor

Discover -- small SP CLI

Opened DiscoverIT in June of this year, been consistently denied. This morning I tried (all bureaus are up 30+ pts), EQ lowest at 656, TU highest at 697, EX in middle. They immediately approved for $300, taking SL of $1,200 to current CL of $1,500.

 

I'll take it!

 

Have a great week folks!

What I use (& strongly recommend): Chase Sapphire Reserve | BofA/ML (Premium Rewards VS, Cash Rewards VS, Merrill+ VS) | AmEx (Amazon Prime Business)

What I have: NFCU | PenFed | General Electric CU | Wright Patt CU | Discover | BBVA | Apple Card (GS)

Total CL with Bank of America = $100,000 (Platinum Honors Merrill Client). I am a CERTIFIED FINANCIAL PLANNER™ practitioner, so feel free to message me if you have any planning/credit questions.

EQ 759, EX 765, TU 771 (06/10/2022)

I started with scores in the 400s in 2016. This forum is a Godsend--focus on the journey, be patient, and you'll definitely get there no matter the circumstances!

Message 1 of 10
9 REPLIES 9
AverageJoesCredit
Legendary Contributor

Re: Discover -- small SP CLI

Positive movement is good movementSmiley Happy
Message 2 of 10
Anonymous
Not applicable

Re: Discover -- small SP CLI

Congrats on your increase!

Message 3 of 10
shoegal
Valued Contributor

Re: Discover -- small SP CLI

Congrats! Smiley Happy


Message 4 of 10
cmm89
Frequent Contributor

Re: Discover -- small SP CLI

Is there a way to double dip with Discover? Should I call in? Any suggestions? Thanks!

What I use (& strongly recommend): Chase Sapphire Reserve | BofA/ML (Premium Rewards VS, Cash Rewards VS, Merrill+ VS) | AmEx (Amazon Prime Business)

What I have: NFCU | PenFed | General Electric CU | Wright Patt CU | Discover | BBVA | Apple Card (GS)

Total CL with Bank of America = $100,000 (Platinum Honors Merrill Client). I am a CERTIFIED FINANCIAL PLANNER™ practitioner, so feel free to message me if you have any planning/credit questions.

EQ 759, EX 765, TU 771 (06/10/2022)

I started with scores in the 400s in 2016. This forum is a Godsend--focus on the journey, be patient, and you'll definitely get there no matter the circumstances!

Message 5 of 10
medicgrrl
Valued Contributor

Re: Discover -- small SP CLI

You can call in. I read your post and tried for a CLI and also received $300. Tried to double dip but the CSR said my account wasn't 3 months old yet so she couldn't attempt it. I think you'll have to wait until next time to try. If you do try, and they proceed with it, please come back and post an update!


EQ 778 EXP 782 TU 729
Message 6 of 10
cmm89
Frequent Contributor

Re: Discover -- small SP CLI


@medicgrrl wrote:
You can call in. I read your post and tried for a CLI and also received $300. Tried to double dip but the CSR said my account wasn't 3 months old yet so she couldn't attempt it. I think you'll have to wait until next time to try. If you do try, and they proceed with it, please come back and post an update!

I called in. I spoke with a Customer Service Rep, she transferred me to the CLI department. The nice gentleman, Danny, said "We can increase your limit to $2,200 without a hard inquiry on your credit profile, adding an additional $700 to the already $300 granted." I immediately accepted. SL when I opened the card in June was $1,200... after online SP CLI and talking to customer service, I'm now at $2,200.

 

Hope this helps folks.

What I use (& strongly recommend): Chase Sapphire Reserve | BofA/ML (Premium Rewards VS, Cash Rewards VS, Merrill+ VS) | AmEx (Amazon Prime Business)

What I have: NFCU | PenFed | General Electric CU | Wright Patt CU | Discover | BBVA | Apple Card (GS)

Total CL with Bank of America = $100,000 (Platinum Honors Merrill Client). I am a CERTIFIED FINANCIAL PLANNER™ practitioner, so feel free to message me if you have any planning/credit questions.

EQ 759, EX 765, TU 771 (06/10/2022)

I started with scores in the 400s in 2016. This forum is a Godsend--focus on the journey, be patient, and you'll definitely get there no matter the circumstances!

Message 7 of 10
medicgrrl
Valued Contributor

Re: Discover -- small SP CLI

Congrats! Have you had 3 statements cut already? I called back and they said it's due to not having 3 statements yet.


EQ 778 EXP 782 TU 729
Message 8 of 10
cmm89
Frequent Contributor

Re: Discover -- small SP CLI


@medicgrrl wrote:
Congrats! Have you had 3 statements cut already? I called back and they said it's due to not having 3 statements yet.

Thanks! And no, my 3rd statement cuts tomorrow according to the website.

What I use (& strongly recommend): Chase Sapphire Reserve | BofA/ML (Premium Rewards VS, Cash Rewards VS, Merrill+ VS) | AmEx (Amazon Prime Business)

What I have: NFCU | PenFed | General Electric CU | Wright Patt CU | Discover | BBVA | Apple Card (GS)

Total CL with Bank of America = $100,000 (Platinum Honors Merrill Client). I am a CERTIFIED FINANCIAL PLANNER™ practitioner, so feel free to message me if you have any planning/credit questions.

EQ 759, EX 765, TU 771 (06/10/2022)

I started with scores in the 400s in 2016. This forum is a Godsend--focus on the journey, be patient, and you'll definitely get there no matter the circumstances!

Message 9 of 10
3se7ens
Frequent Contributor

Re: Discover -- small SP CLI

Nice Congrats!

As of 3/2022


EQ.-721  |  TU.-731  |  EX.-708


Top Cards:


AmEx Gold - $10,000 POT. BofA Americard $17,000 NFCU CR. $16,000 NFCU Plat.$15,000 FNBO Visa $14,800


Disco Miles $14,000 Chase FU $13,900 USAA Signature $13,000  PayPal MC $10,000 


Macy's AmEx $25,000 Macy's AmEx (upgraded) $25,000

Message 10 of 10
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