cancel
Showing results for 
Search instead for 
Did you mean: 

First ever Discover CLI!!!!!!

tag
Onthe27thday
Regular Contributor

First ever Discover CLI!!!!!!

I could pee on myself.

 

I've done Discover pretty bad as I lost my job at one point. (2- 30 day lates and 1- 60 day late since 6/2012)

 

However, I've been trying to get back on track since I got a new job a year ago. Last month my ficos were at 649/646/626. Since then I have an auto loan reporting thats only had one payment. I have also been approved for a Barclays Rewards since then (1000 limit). In the meantime, I tried twice to get a cli on discover. They told me it would be a hard pull and after getting 3 new accounts (1 secured, the car, and the barclays), and seeing my fakos go down for AAoA. I just couldn't afford it.

 

Anyway, no sp cli luck on any of my current cards but I just read a thread from someone else today about getting a cli w/ discover and mine has been stuck on "you already have a cli request open" for the last month.... tried today, went to a new screen to verify income and instant approval to 2,500.00 for a 2,000.00 increase!

 

I am so tickled. I've had this card since 2011 and this is my first cli and now my highest cl !!

Hope I included all the important info and didn't bore you to death Smiley Happy

Starting Score (Oct '13): 473 (EX), Current Score: MyFICO EX: 713 EQ: 715 TU: 717, Goal Score: 740 & above. Capital One Quicksilver: $2250, Discover IT: $9500, Chase Amazon Store Card: $2600, Care Credit: $15000, Barclays Rewards: $1850 BCE: 20,000, PenFed Visa Sig: 7,000 NFCU cashRewards $24,600
Message 1 of 13
12 REPLIES 12
TheFate
Established Contributor

Re: First ever Discover CLI!!!!!!

Congrats on the bounce back! Glad to see Discover gives people a 2nd chance

Message 2 of 13
coldnmn
Mega Contributor

Re: First ever Discover CLI!!!!!!

Congrats! Thanks for sharing.

 

 

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 3 of 13
-Wade-
Valued Contributor

Re: First ever Discover CLI!!!!!!


@Onthe27thday wrote:

I could pee on myself.

 

I've done Discover pretty bad as I lost my job at one point. (2 30 day lates and 1 60 day late since 6/2012)

 

However, I've been trying to get back on track since I got a new job a year ago. Last month my ficos were at 649/646/626. Since then I have an auto loan reporting thats only had one payment. I have also been approved for a Barclays Rewards since then (1000 limit). In the meantime, I tried twice to get a cli on discover. They told me it would be a hard pull and after getting 3 new accounts ( 1 secured, the car, and the barclays), and seeing my fakos go down for AAoA. I just couldn't afford it.

 

Anyway, no sp cli luck on any of my current cards btu I just read a thread from someone else today about getting a cli w/ discover and mine has been stuck on (you already have one open) for the last month.... tried today, went to a new screen to verify income and instant approval to 2,500.00 for a 2,000.00 increase!

 

I am so tickled. I've had this card since 2011 and this is my first cli!!

Hope I included all the important info and didn't bore you to death Smiley Happy


Congrats on your CLI Smiley Happy

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 4 of 13
Anonymous
Not applicable

Re: First ever Discover CLI!!!!!!

Congrats! Feels sooooo... guud to be back in the groove!
Message 5 of 13
BluePoodle
Valued Contributor

Re: First ever Discover CLI!!!!!!

Congrats!

CapOne $7500 | Discover $8500 | Amex ED $25K | Barclay SM $5700 | Chase Disney $500 | Chase Slate $5K | Target $3K | Hilton Amex $2K
Gardening Since 4/3/2017
Message 6 of 13
alvon123
Super Contributor

Re: First ever Discover CLI!!!!!!

congrats


Message 7 of 13
youngandcreditwrthy
Senior Contributor

Re: First ever Discover CLI!!!!!!

congrats!!!!

 

Not to be rude, but with the decrease in score during the time you have had it, i am surprised that they did not completely close it!!!

 

I like that Discover seems to value the longevity of their cardmembers.

 

They are very excellent with lowering APRs and doing balance transfer promos too. Might wanna ask them if you have a higher interest rate!

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 8 of 13
Onthe27thday
Regular Contributor

Re: First ever Discover CLI!!!!!!


@youngandcreditwrthy wrote:

congrats!!!!

 

Not to be rude, but with the decrease in score during the time you have had it, i am surprised that they did not completely close it!!!

 

I like that Discover seems to value the longevity of their cardmembers.

 

They are very excellent with lowering APRs and doing balance transfer promos too. Might wanna ask them if you have a higher interest rate!


Hey no offense taken at all! I actually feel the same... now. Before I didn't have a great understanding of credit and felt that I had to do what I had to do. From what I can remember, I never went over the credit limit and honestly, I don't know what score I had when I was first approved for the card (it was a student card that was pc'd to an IT) ... but I am thankful that they stayed by my side. Once my scores go up a little, I might take your advice and try my luck. But I just pc'd to the IT about a month ago and now with this CLI, I don't want to rock the boat Smiley Happy Thanks for the advice!!

Starting Score (Oct '13): 473 (EX), Current Score: MyFICO EX: 713 EQ: 715 TU: 717, Goal Score: 740 & above. Capital One Quicksilver: $2250, Discover IT: $9500, Chase Amazon Store Card: $2600, Care Credit: $15000, Barclays Rewards: $1850 BCE: 20,000, PenFed Visa Sig: 7,000 NFCU cashRewards $24,600
Message 9 of 13
Onthe27thday
Regular Contributor

Re: First ever Discover CLI!!!!!!

Thanks guys!!!! Couldn't have done it without you all Smiley Happy

Starting Score (Oct '13): 473 (EX), Current Score: MyFICO EX: 713 EQ: 715 TU: 717, Goal Score: 740 & above. Capital One Quicksilver: $2250, Discover IT: $9500, Chase Amazon Store Card: $2600, Care Credit: $15000, Barclays Rewards: $1850 BCE: 20,000, PenFed Visa Sig: 7,000 NFCU cashRewards $24,600
Message 10 of 13
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.