cancel
Showing results for 
Search instead for 
Did you mean: 

FINALLY got a CLI from Discover and AMEX!!!

Barneygirl
Frequent Contributor

FINALLY got a CLI from Discover and AMEX!!!

So I've had my discover account, in very good standing, for nearly 4 years now.  Small $900 CL.   I finally stopped using it because it was pretty much useless.

 

I got an email from them stating that they were going to cancel my account if it wasn't used in the next 30 days (hadn't used it in 12 months).  AND... to make it easier for me to use, they were giving me a $5000 CLI!!!!

 

So, you want a CLI from Discover.... just stop using it! Smiley Happy

 

 

AMEX on the other hand.... I applied for a CLI a few times over the last 4  years... and was always turned down.  Then one day, after being turned down a month earlier, I open my online account to find they gave me a $6000 CLI!  WTH???

 

 

Not complaining, but these CC companies, and how they make their decisions on CLIs doesnt make ANY sense to me Smiley Happy


Current FICO Scores: EQ749; TU732; EX733
Message 1 of 13
12 REPLIES 12
FiveSeven57
Regular Contributor

Re: FINALLY got a CLI from Discover and AMEX!!!

Sweet! Comgratulations!Smiley Very Happy



Gardening till: Oct 1st 2019!
Huntington Voice 7.5k | Citi Costco 15.5k | Sync JCP 6k | Amex ED 16.5k | Sync Napa Car Care 5k | Chase Amazon 3.5k | Care Credit 7.2k | Amazon Store card 6k | Amex BC ED 3k | Cap 1 QS 1k | Cabelas 1k| Discover 2.5k | |Navy Fed 1.5k | Navy Fed Plat 16.5k | Home Despot 1k| Game Stop 1.25k|
Message 2 of 13
DeeBee78
Valued Contributor

Re: FINALLY got a CLI from Discover and AMEX!!!


@Barneygirl wrote:

 

 

So, you want a CLI from Discover.... just stop using it! Smiley Happy

 

 


*Writes this down* 

 

I'll try this theory out for everyone. My Discover has never seen anything other than a large BT that is almost paid off. We'll see how much they like me when they aren't making any money off of me Smiley LOL


Message 3 of 13
HeavenOhio
Community Leader
Senior Contributor

Re: FINALLY got a CLI from Discover and AMEX!!!

Congratulations!

 

Discover is hard to pin down, but I think you have them pinned down in this case.

 

As far as AMEX goes, I think they've noticed your lower utilization and your markedly improved scores.

Message 4 of 13
bettercreditguy1
Established Contributor

Re: FINALLY got a CLI from Discover and AMEX!!!

DW and I had the same situation. Got a letter stating if the card wasn't used soon, it would be closed. We let it silently fade away. Fast Forward six months after they closed it,  they are now sending me pre qual documents in the mail, so go figure.(spelling correction)

 

Updated scores 3/7/21 TU 849, EQ 829, Ex 818 (all Fico scores) Remember the Three P's: Pay early in Full, Pay on Time, Patience
Message 5 of 13
ridgebackpilot
Established Contributor

Re: FINALLY got a CLI from Discover and AMEX!!!


@Barneygirl wrote:

 

 

Not complaining, but these CC companies, and how they make their decisions on CLIs doesnt make ANY sense to me Smiley Happy


I don't understand it either! After months of refusing to give me a CLI on my Hilton HHonors Surpass card, which I use heavily, AMEX instantly approves me for the Blue Cash Preferred card! Go figure...

 

No doubt the algorithms for CLI and Initial Approval are different. But why would AMEX repeatedly deny me a paltry $1,000 CLI on the Hilton card and then turn around and give me instant approval for a $6,000 SL on the BCP?!

 

Message 6 of 13
BronzeTrader
Valued Contributor

Re: FINALLY got a CLI from Discover and AMEX!!!

Push the Luv button.

Message 7 of 13
drboxing
Established Contributor

Re: FINALLY got a CLI from Discover and AMEX!!!

Maybe I should try it on my Discover card lol stop using it maybe they'll give me an increase. I keep getting denied. Only had my AMEX for 2 months so I'll have to wait on requesting an increase
Message 8 of 13
Meanmchine
Super Contributor

Re: FINALLY got a CLI from Discover and AMEX!!!

Congrats on your recent CLIs


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2020 CCT EX 821 TU 826 EQ 840


"Survival kit contents check. In them you'll find:

- One forty-five caliber automatic
- Two boxes of ammunition
- Four days' concentrated emergency rations
- One drug issue containing antibiotics, morphine,
vitamin pills, pep pills, sleeping pills, tranquilizer pills
- One miniature combination Russian phrase book and Bible
- One hundred dollars in rubles
- One hundred dollars in gold
- Nine packs of chewing gum
- One issue of prophylactics
- Three lipsticks
- Three pair of nylon stockings.

Shoot, a fella' could have a pretty good weekend in Vegas with all that stuff."

Major Kong (Slim Pickens) in Dr. Strangelove 1964
Message 9 of 13
MikeMN
Member

Re: FINALLY got a CLI from Discover and AMEX!!!


@ridgebackpilot wrote:

@Barneygirl wrote:

 

 

Not complaining, but these CC companies, and how they make their decisions on CLIs doesnt make ANY sense to me Smiley Happy


I don't understand it either! After months of refusing to give me a CLI on my Hilton HHonors Surpass card, which I use heavily, AMEX instantly approves me for the Blue Cash Preferred card! Go figure...

 

No doubt the algorithms for CLI and Initial Approval are different. But why would AMEX repeatedly deny me a paltry $1,000 CLI on the Hilton card and then turn around and give me instant approval for a $6,000 SL on the BCP?!

 


Shouldn't you be able to transfer credit from BCP to Hilton Surpass? 



Ex FICO8: 724 (8/28/17) | TU FICO8: 739 (9/05/17)
Message 10 of 13
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.