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Finally above $10K Disco with CLI

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Frequent Contributor

Finally above $10K Disco with CLI

I started out with a secured card from DSC at $500 that graduated into unsecured. Got a 2nd card but was having problems growing the previously secured card. The second card was growing at $500 increments but I capitalized on those double dips.  Been sitting at 4K on the 2nd card and only 3200 on the previously secured.  I finally got a $1500 increase on the $4K card and double dipped to make it $7K.

 

I wanted to combine the limits and get rid of the previously secured card, thinking it was trapped in a secured bucket. I had to wait until the receiving card was eligible for an increase, which it was, so I combined them for a $10,200 cl and axed the previously secured card.

 

Had I been thinking... I should have tried for an increase on the previously secured card and then combined but, I've never been able to get an increase on both at the same time so, who knows. But, my goal was to get over $10K. Now to get it over $20K.

 

Thanks for letting me ramble.

Starting Score (May 2017): 584 TU
Current Scores: 699 TU, 770 EQ, 775 EX

Goal Score: 820+




Message 1 of 27
26 REPLIES 26
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Senior Contributor

Re: Finally above $10K Disco with CLI


@ohjoy wrote:

I started out with a secured card from DSC at $500 that graduated into unsecured. Got a 2nd card but was having problems growing the previously secured card. The second card was growing at $500 increments but I capitalized on those double dips.  Been sitting at 4K on the 2nd card and only 3200 on the previously secured.  I finally got a $1500 increase on the $4K card and double dipped to make it $7K.

 

I wanted to combine the limits and get rid of the previously secured card, thinking it was trapped in a secured bucket. I had to wait until the receiving card was eligible for an increase, which it was, so I combined them for a $10,200 cl and axed the previously secured card.

 

Had I been thinking... I should have tried for an increase on the previously secured card and then combined but, I've never been able to get an increase on both at the same time so, who knows. But, my goal was to get over $10K. Now to get it over $20K.

 

Thanks for letting me ramble.


Awesome! I just got my 1st Discover (not secured) to $10,200. I'm hoping once I get it paid off by May they will give me another decent CLI.








Message 2 of 27
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Senior Contributor

Re: Finally above $10K Disco with CLI

Congrats @ohjoy  on very nice CLI !!!!!

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 3 of 27
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Community Leader
Senior Contributor

Re: Finally above $10K Disco with CLI

Congrats! Our Disco cards are the same color lol (pink)

Discover It: 19.7k
Amex ED: 18k
Citi DC: 6.7k
Citi Rewards+: 3.6k
Bank Americard: 2.8k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 4 of 27
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Community Leader
Super Contributor

Re: Finally above $10K Disco with CLI


@ohjoy wrote:

I started out with a secured card from DSC at $500 that graduated into unsecured. Got a 2nd card but was having problems growing the previously secured card. The second card was growing at $500 increments but I capitalized on those double dips.  Been sitting at 4K on the 2nd card and only 3200 on the previously secured.  I finally got a $1500 increase on the $4K card and double dipped to make it $7K.

 

I wanted to combine the limits and get rid of the previously secured card, thinking it was trapped in a secured bucket. I had to wait until the receiving card was eligible for an increase, which it was, so I combined them for a $10,200 cl and axed the previously secured card.

 

Had I been thinking... I should have tried for an increase on the previously secured card and then combined but, I've never been able to get an increase on both at the same time so, who knows. But, my goal was to get over $10K. Now to get it over $20K.

 

Thanks for letting me ramble.


Well done. Nice strategy. Congratulations. 



DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| NFCU CashRewards $30K || AmX Cash Magnet $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 5 of 27
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Valued Contributor

Re: Finally above $10K Disco with CLI

Congrats on your CLI and combining of both lines!


Scores - All bureaus 756 +
TCL - Est. $275K
Message 6 of 27
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Valued Contributor

Re: Finally above $10K Disco with CLI

YOU...

awesome congratulations GIF by Slanted Studios

CONGRATS on the Success with your Disco CLI Strategy!!!

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $13.7K | Citi AAdvantage WEMC $14K | Citi Costco VS $12K
Discover IT $19K | OpenSky $300 | BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) |
BBVA Compass Rewards VS $10.5K | NFCU cashRewards $3K | NFCU More Rewards AMEX $33.5K | NFCU Flagship VS $19K
Macy's AMEX $10.5K | Apple Card WEMC $6K | PenFed Power Cash Rewards VS $7.5K

TCL - $204K+ | Rebuilding since April 2018
Message 7 of 27
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Regular Contributor

Re: Finally above $10K Disco with CLI

Congrats on the Discover love. 



Starting Score: TU 527, EQ 543, EX 563
Current Score: TU 690, EQ 677, EX 694
Goal Score:725 Across The Board


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Message 8 of 27
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Frequent Contributor

Re: Finally above $10K Disco with CLI

Congratulations on the discooo combooo!! I think you made the right decision.. 20k right around the corner!!!

Starting scores - 480 - 11/05/18
Current Scores -





Message 9 of 27
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Super Contributor

Re: Finally above $10K Disco with CLI

Congrats Ohjoy !

Just crossed the Disco $10k barrier myself




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>06/2020 CCT EX 835 TU 848 EQ 844

I'd get it one piece at a time
And it wouldn't cost me a dime
You'll know it's me when I come through your town
I'm gonna ride around in style
I'm gonna drive everybody wild
'Cause I'll have the only one there is around.

- Johnny Cash One Piece At A Time
Message 10 of 27
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