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First Discover auto CLI?

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Senior Contributor

First Discover auto CLI?

Did a CLI request literally yesterday that was denied.

 

Was secured March 2017 at $2500.  Graduated on the dot at 7 months in October and $2500 refunded to me.

 

CLI request in November, December and January just after statement cut at $0 were denied.

 

Just made a big charge of $1100 on my card online because it was 1.5% fee but first year CBM is 2% so I did it.  Logged in to see my current balance and noticed available credit left is $2400, which of course is wrong because $2500-$1100 = $1400.

 

But there it is, $3500 credit limit.

 

So either my manually denied CLI was overridden in the back end, or I had an auto CLI coming at the 3rd month after graduation.

 

Either way, it's nice to see.

Message 1 of 10
9 REPLIES 9
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Senior Contributor

Re: First Discover auto CLI?

Hmmm if it was an auto CLI I wonder if I should double dip, lol.

Message 2 of 10
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Valued Contributor

Re: First Discover auto CLI?

Congrats! I’ll roll with auto-love. Nice.


Beginning Journey April 2017 – FICO 8

Current Scores May 2018 – FICO 8

Started this credit game with $8400 TCL in 04/17 now I'm at $150K+.
Message 3 of 10
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Senior Contributor

Re: First Discover auto CLI?

Congratulations on the auto CLI!

Message 4 of 10
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Moderator

Re: First Discover auto CLI?


@ABCD2199 wrote:

Hmmm if it was an auto CLI I wonder if I should double dip, lol.


Congrats.. Of course try to double dip lol

Message 5 of 10
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Senior Contributor

Re: First Discover auto CLI?

Just tried 2 minutes ago, denied, lol.

 

So maybe it wasn't auto CLI but one based on my prior request.  Next CLI request goes in 2/18 just in case instead of 2/17 (my birthday).

 

Still nice to see a CLI from a previously secured card that isn't even a year old.  Can't fault them for not giving me more since they're pulling TU and I still have an 8 year old unpaid tax lien on there.  But considering my spend in 2017 (I think I put $60,000ish from March through December?) and never paid a dime in interest, it's frustrating.  At least 3 things I could have put on there had to go on someone else's card because couldn't break the payments into $2500 chunks.

 

 

Message 6 of 10
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Senior Contributor

Re: First Discover auto CLI?

Feels good to be updating my FICO-vs-limits graph, though!

 

credit limits vs fico vs time jan 18 2018.png

Not much else ahead other than maybe Amex 3X in July although might hold off until August for that one as I should see a 10-15 point EX boost waiting a month.  $25,800 from $0 in 10 months and possibility of $40,000 TCL in 2018.  Thanks, MyFicoers.

Message 7 of 10
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Frequent Contributor

Re: First Discover auto CLI?

Congratulations on you becoming unsecured and getting a CLI!!!

Message 8 of 10
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Established Contributor

Re: First Discover auto CLI?

Congratulations, ABCD!!!

~~~Rebuilding Score History~~~
Starting Ficos: EX 541, EQ 493, TU 523 (07/02/2016)
Latest Ficos: EX 762, EQ 784, TU 764 (03/28/2020)
Goal Ficos: EX 800, EQ 800, TU 800 (12/31/2020)
~~~Credit lines~~~~
Total Open Credit Limit: $83000
Lowe's: $20000
Discover It: $15000
PenFed Pathfinder: $15000
BofA Platinum Plus: $9100
Chase Sapphire Preferred: $9000
Chase Freedom Unlimited: $6400
Amazon Prime Store Card: $5000
BofA Cash Rewards: $1500
Capital One Platinum: $1500
Home Depot: $500

My Credit Rebuild


Take the myFICO Fitness Challenge
Message 9 of 10
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Community Leader
Mega Contributor

Re: First Discover auto CLI?

Was a recent post on Boa being sneaky with an auto, lol. No, its Discover, they seem to give luv when you arent looking but when you call her, all she wants to do is text Smiley Wink
Message 10 of 10
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