Disco was sitting at $3000 since 2017 when i had a 30 days late with them which is past 24 months anyway. I kept the util to 90% for almost 2 years after that but was paying minimum and also was few days late in Jan and Feb of this year (not 30 day lates but late by 3 days after due date and rep said that even though they do not report these lates to CRA they still exist in internal record.
Anyway in March 2019 i decided to take care of my credit brought down all balances to $0 and started doing AZEO with one card at 28%.
After trying for Disco cli twice every month and getting denied i stopped requesting CLI in July and thought may be they bucketed my card for a long time based on a 30 day late 2 years ago, keeping a full balance for almost 2 years, and payments past due date with late fee in Feb 2019.
But this morning i logged in to pay down my 28% as the statement has cut and has been reported and saw my fico score update in Disco to 651, so tried a cli and BOOM! was offered $300, accepted and immediately called the CLI specialist to see if can get more and BOOM another $700, making the total line to $4000. I am on the disco cli train again after 2.5 years.
I would like to get a second card but will wait for some prequals to show up, right now i get nothing on their pre qual site.
