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First 4 digit Discover CLI! UPDATE - Make that SECOND 4 digit CLI!

Valued Contributor

First 4 digit Discover CLI! UPDATE - Make that SECOND 4 digit CLI!

Opened the card on March 8, 2016 with a SL of $1,800. 

 

Requested CLI's at 48 and 63 days. Both were a no go. Day 91, CLI of $900 ($2,700 CL). Hit the luv button again 31 days after first CLI and received the 2-day message. Log in yesterday and boom, a $1,400 CLI ($4,100 CL). What a sweet surprise! My TU is still a little on the lower side so I certainly did not expect that increase, $500 MAYBE. 

 

I use this card heavily in place of my debit card and I run all my monthly bills through it. I make multiple payments a month (never less than $500). Both CLI's I was carrying a balance. First time was around $100 but this second time I had a $1,200 balance (just back from vacation Smiley Happy Don't judge lol).  

 

Love love love this card!

 

UPDATED INFO: Since last CLI (72 days ago) I've had two "No's" at 32 and 49 days (I made a large payment in between these two requests) and had 2 day messages on both.  72 days after last increase I received the 2 day message again, next day I log in and see my CL was increased by $1,500!  It's still my daily driver and I had just made a $1,000 payment but left a small $250 balance on the card. In 6 months, I've been granted $3,800 worth of CL, and I'm just a month and half shy of being 1 year post BK Discharge. To sayI LOVE my Discover card is a slight understatement.  


CH 7 Filed 7/27/15 Discharged 11/16/15
Starting Score: EQ 620 TU 568 EX 593
Current Score (07/13/16): EQ 674 TU 649 EX 674 (FICO's 08)
Cap1 QS ($5350) (Combined QS and QS1) Discover It ($4100) MilStar ($8,600) Fingerhut ($800)
Off to the garden 05/01/16
Message 1 of 13
12 REPLIES
Moderator

Re: First 4 digit Discover CLI!

Congrats!!
Message 2 of 13
Regular Contributor

Re: First 4 digit Discover CLI!

Congrats!!

Amex ED+++Amex BCE+++Marvel+++Stash+++QS+++QS1+++Discover IT+++GM Buypower+++Walmart+++AE+++VS+++Lowes+++Gamestop
Message 3 of 13
Super Contributor

Re: First 4 digit Discover CLI!


kjm79 wrote:

Opened the card on March 8, 2016 with a SL of $1,800. 

 

Requested CLI's at 48 and 63 days. Both were a no go. Day 91, CLI of $900 ($2,700 CL). Hit the luv button again 31 days after first CLI and received the 2-day message. Log in yesterday and boom, a $1,400 CLI ($4,100 CL). What a sweet surprise! My TU is still a little on the lower side so I certainly did not expect that increase, $500 MAYBE. 

 

I use this card heavily in place of my debit card and I run all my monthly bills through it. I make multiple payments a month (never less than $500). Both CLI's I was carrying a balance. First time was around $100 but this second time I had a $1,200 balance (just back from vacation Smiley Happy Don't judge lol).  

 

Love love love this card!


Very nice Smiley Happy

 

Me, I've only gotten small CLI's from them, all either 300 or 500.

 

They like you Smiley Happy


FICO8 EQ 743 TU 777 EX 752 Total revolving limits 618800 (508800 reporting)
Message 4 of 13
Valued Contributor

Re: First 4 digit Discover CLI!

Thanks!

 

I've ran on average $3-$4k/month through this card in just 4 month's time. I would pay in full pretty much weekly, had to with my lower limit. lol. I've purchased things as small as a drink from a drive thru to a week at the Disneyland Hotel. So, it's hard to say how they figure their increases. Some people have shown little use and get bigger increases but they have higher TU scores. Whereas others show lots of use and get smaller increases, or none. Discover is definitely an odd duck. 

 

My TU score is still recovering from my BK and I honestly did not expext my first 4 digit increase this soon and so quickly after a recent CLI. All I can say is I've used the crap out of this card, I PIF almost weekly, I have not redeemed any rewards, I pay from the Discover app (pull from my bank), and I've not let more than $200 report. That sums up my usage of the card. My overal util hovers between 1-2%. I can only hope that as my scores increase, my CLI will only get better. 


CH 7 Filed 7/27/15 Discharged 11/16/15
Starting Score: EQ 620 TU 568 EX 593
Current Score (07/13/16): EQ 674 TU 649 EX 674 (FICO's 08)
Cap1 QS ($5350) (Combined QS and QS1) Discover It ($4100) MilStar ($8,600) Fingerhut ($800)
Off to the garden 05/01/16
Message 5 of 13
Valued Contributor

Re: First 4 digit Discover CLI!

Congrats on the increase!
                                                                  

Total Credit: $192,100Utilization: 1%AAoA: 5yrs, 4mthsInstallments: Car Lease, Marcus LoanBaddies: 0On Chop Block: Penfed, Citi

             
             
                          DSC-24.1K | NFC-25K | ALI-25k | WAL-10k | BoA-13k | BB-12k | NFL-15k | LOW-25k | AMX-19.3k | CHA-10k | PF-6k | C-TY-3.9k | C-DC-3.8k
Message 6 of 13
Valued Contributor

Re: First 4 digit Discover CLI!


kjm79 wrote:

Opened the card on March 8, 2016 with a SL of $1,800. 

 

Requested CLI's at 48 and 63 days. Both were a no go. Day 91, CLI of $900 ($2,700 CL). Hit the luv button again 31 days after first CLI and received the 2-day message. Log in yesterday and boom, a $1,400 CLI ($4,100 CL). What a sweet surprise! My TU is still a little on the lower side so I certainly did not expect that increase, $500 MAYBE. 

 

I use this card heavily in place of my debit card and I run all my monthly bills through it. I make multiple payments a month (never less than $500). Both CLI's I was carrying a balance. First time was around $100 but this second time I had a $1,200 balance (just back from vacation Smiley Happy Don't judge lol).  

 

Love love love this card!


Congratulations On Your Approval!...Thanks For Sharing.Smiley WinkSmiley Wink

Smiley Happy (BANK OF AMERiCA CA$H REWARD$ ViSA SiGNATURE) (CHASE AMAZON ViSA SiGNATURE) (CAPiTAL ONE QUiCKSiLVER ViSA SiGNATURE) (CiTi DOUBLE CA$H WORLD MASTERCARD) (BARCLAYCARD UPROMiSE WORLD MASTERCARD) (SYNCHRONY MARVEL MASTERCARD) (AMERiCAN EXPRESS BLUE CA$H EVERYDAY) (DiSCOVER iT NHL)
Message 7 of 13
Senior Contributor

Re: First 4 digit Discover CLI!

Very nice, congrats !

Message 8 of 13
Established Contributor

Re: First 4 digit Discover CLI!

congrats

Message 9 of 13
Valued Contributor

Re: First 4 digit Discover CLI!

Congrats on your Discover CLI!
Message 10 of 13