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First-ever CLI!

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Valued Member

First-ever CLI!

Not sure what possessed me to request it, especially in light of my scores crashing 10 days ago.  One minute my FICO 08's were 664 EQ 671 TU 648 EX, then they plummeted an average 15 points across the board after Citi DC posted my statement.  All thanks to unexpected car repairs for DD -- util on the card at 51% -- a charge that hung in 'pending' status for FIVE WHOLE DAYS before posting sometime between 6pm and midnight the day my statement cut. Nice.

 

Anyway, a few days later I hit the Disco luv button (clearly some sort of under-caffeinated senior moment), got the 7-10 day message, and then today:  Surprise! $500 CLI!!  Not enormous, but it's my first. Smiley Happy

 

I'd been under some sort of notion that any score drops or other CR derogs would've excluded me -- CLI requests a few weeks ago to Walmart and Cap1 were met with immediate refusals prior to my score dropping.

>
Feb '17: EQ 644/TU 615/EX 632 >> Mar '19: EQ 700/TU 710/EX 716
Cash 365 $8500 // Amazon Prime $3500 // Citi DC $5000 // Best Buy Visa $4000 // Discover IT $3800 // Cash+ $4500
AMEX BCP $4500 // Walmart $6000 // US Bank $3000 // Amex CM $1600 // Amex ED $3000 // Best Buy/Citi $4000

In the garden until Oct 2020
Message 1 of 12
11 REPLIES 11
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Established Contributor

Re: First-ever CLI!

Congrats! Smiley Happy
Message 2 of 12
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Community Leader
Mega Contributor

Re: First-ever CLI!

Enjoy that new cli!. It may seem small to some but i always say its 500 more than you had the day beforeSmiley Happy
Message 3 of 12
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Established Contributor

Re: First-ever CLI!

Congrats on your increase.  

Fell of the wagon -- Gardening starting again 2/25/18- ???
Message 4 of 12
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Valued Member

Re: First-ever CLI!


@Total80sKid wrote:
Congrats! Smiley Happy

Thank you!

>
Feb '17: EQ 644/TU 615/EX 632 >> Mar '19: EQ 700/TU 710/EX 716
Cash 365 $8500 // Amazon Prime $3500 // Citi DC $5000 // Best Buy Visa $4000 // Discover IT $3800 // Cash+ $4500
AMEX BCP $4500 // Walmart $6000 // US Bank $3000 // Amex CM $1600 // Amex ED $3000 // Best Buy/Citi $4000

In the garden until Oct 2020
Message 5 of 12
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Valued Member

Re: First-ever CLI!


@cgardencredit1 wrote:

Congrats on your increase.  


Thank you!

>
Feb '17: EQ 644/TU 615/EX 632 >> Mar '19: EQ 700/TU 710/EX 716
Cash 365 $8500 // Amazon Prime $3500 // Citi DC $5000 // Best Buy Visa $4000 // Discover IT $3800 // Cash+ $4500
AMEX BCP $4500 // Walmart $6000 // US Bank $3000 // Amex CM $1600 // Amex ED $3000 // Best Buy/Citi $4000

In the garden until Oct 2020
Message 6 of 12
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Valued Member

Re: First-ever CLI!


@AverageJoesCredit wrote:
Enjoy that new cli!. It may seem small to some but i always say its 500 more than you had the day beforeSmiley Happy

I completely agree!  Hoping for the day I can PIF once rather than every few days. It's exhausting lol.

>
Feb '17: EQ 644/TU 615/EX 632 >> Mar '19: EQ 700/TU 710/EX 716
Cash 365 $8500 // Amazon Prime $3500 // Citi DC $5000 // Best Buy Visa $4000 // Discover IT $3800 // Cash+ $4500
AMEX BCP $4500 // Walmart $6000 // US Bank $3000 // Amex CM $1600 // Amex ED $3000 // Best Buy/Citi $4000

In the garden until Oct 2020
Message 7 of 12
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Regular Contributor

Re: First-ever CLI!

Congrats!! I remember my first CLI like it was yesterday... It's exhilarating!

Cheers!
————————————————————————————————————————————————————————————
784 INQs: 3
792 INQs: 4
784 INQs: 9
Total Credit Line: $176,100 Total CC's: 10
Message 8 of 12
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Senior Contributor

Re: First-ever CLI!

Congrats, rayneyday!

 

Just to give you a little encouragement, my first Disco CLI was $500 back in November '16 when my card was 5 months old, TU 655. Since then I got $800 at 6 months TU 652, $1000 at 7months TU 652, and $900 at 10 months TU 662. 

 

It can grow, even with fair scores! Good luck! Smiley Happy

 

Edited to tell you I started with a $1000 SL in July '16.

Current Scores: EQ 679;TU 647; EX 679 Gardening since 11/7/18
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015
Message 9 of 12
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Established Contributor

Re: First-ever CLI!

Congrats on the first cli! I remember mine just like it was yesterday.
Message 10 of 12
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