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Finally a Disco DD CLI after being few days late on 2 occasions

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Anonymous
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Finally a Disco DD CLI after being few days late on 2 occasions

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.

6 REPLIES 6
M_Smart007
Legendary Contributor

Re: Finally a Disco DD CLI after being few days late on 2 occasions

 

Congrats on yer long awaited increase!

 

Message 2 of 7
Marz2002
Senior Contributor

Re: Finally a Disco DD CLI after being few days late on 2 occasions

CONGRATS  on your long awaited Discover DD CLI and Thanks for the DPs!

AMEX BCP $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $15.2K | Citi Rewards WMC $15.5K | Citi Costco VS $12K
Citi Custom Cash WEMC $7.8K | Synchrony (PayPal Credit $6K, Care Credit $15K, & PayPal 2% MC $10K, VENMO VS $6.5K)
PNC Cash Rewards VS $10.5K | NFCU cashRewards VS $14K | NFCU More Rewards AMEX $37.5K | NFCU Flagship Rewards VS $23K
Discover IT $22.5K | BB&T Cash Rewards $4.5K | Macy's AMEX $25K | Bloomingdales AMEX $20K | Apple Card WEMC $9K
PenFed Power Cash Rewards VS $7.5K

Total CL - $284K+
Message 3 of 7
AllZero
Mega Contributor

Re: Finally a Disco DD CLI after being few days late on 2 occasions

Congratulations on your CLI!
Message 4 of 7
Meanmchine
Super Contributor

Re: Finally a Disco DD CLI after being few days late on 2 occasions

Congrats!

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>5/2023 All 3 reports 840ish (F8) F9s = 850 but my app finger is still twitching
Message 5 of 7
MyFault
Valued Contributor

Re: Finally a Disco DD CLI after being few days late on 2 occasions

Congrats!








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Message 6 of 7
Medic981
Valued Contributor

Re: Finally a Disco DD CLI after being few days late on 2 occasions



Congrats ! ! !







Your FICO credit scores are not just numbers, it’s a skill.
Message 7 of 7
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