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I took the bait......

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icyhot
Valued Contributor

I took the bait......

Disco finally offered me a CLI, my utilization took a super hit from BTs (16%) so I went from $4000 to $4500......I also took a $500 CLI on my Venture that I'm combining into my QS next month. SPs, what does it hurt? Question, how long in between CLIs does Disco generally do approvals? I've seen 31 days after the initial CLI, or is it 90?

Ch 7 BK discharged 12/2018
Bank Cards: NFCU Flagship Rewards $25K | NFCU Cash Rewards $20K |NFCU More Rewards Amex $17K | PenFed Power Cash $12.5K | PenFed Platinum Rewards $12.5K | PenFed Pathfinder Rewards $10K | PenFed Gold Card $7.5K | PayPal Cashback Mastercard $5K | Apple Card $3.5K
Store Cards: Bergdorf Goodman $10.5K | Neiman Marcus $7.5K | Care Credit $7K |
Scores: EX 656 | EQ 667 | TU 680


Goal Card: Amex Platinum (Amex IIB, waiting for 5 year mark)
16 REPLIES 16
Anonymous
Not applicable

Re: I took the bait......

Welcome to the Discover 500 club. 😀 

Message 2 of 17
Anonymous
Not applicable

Re: I took the bait......


@icyhot wrote:

Disco finally offered me a CLI, my utilization took a super hit from BTs (16%) so I went from $4000 to $4500......I also took a $500 CLI on my Venture that I'm combining into my QS next month. SPs, what does it hurt? Question, how long in between CLIs does Disco generally do approvals? I've seen 31 days after the initial CLI, or is it 90?


There is no set period, some get them at 31 days, some at 61 days, some at 91 days, some longer. I hit it every 31 days and let Discover decide.

Message 3 of 17
Anonymous
Not applicable

Re: I took the bait......

Congratulations!!

Message 4 of 17
CreditMagic7
Mega Contributor

Re: I took the bait......


@Anonymous wrote:

Welcome to the Discover 500 club. 😀 


Here, here Smiley Frustrated

 

Congratulations on the lift!

Message 5 of 17
myjourney
Super Contributor

Re: I took the bait......

Congrats 

Moving to approvals 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 6 of 17
Anonymous
Not applicable

Re: I took the bait......

Congrats! 

Message 7 of 17
One7
Valued Contributor

Re: I took the bait......

Congratulations. Thats all I ever get from them like once a year. Not a fan of Discover

EX 810 EQ 805 TU 792 Diners WEMC 15k Chase United Club VS 15k | Hyatt VS 25k | Ritz VI 5k | Frdm VS 6k | CSP VS 5k | Mariott VS 6k | Amzn VS 16k Citi ExecAA WEMC 18k | TYP VS 7k | Costco VS 9k | Hilton Reserve VS 6k | Best Buy Visa 5k BofA Travel VS 30k | Cash VS 41k | Merrill+ VS 46k Barclay Rwds WMC 6k | Hawaiin WEMC 10k | JetBlue WEMC 8k | Aviator S WEMC 6k Amex Plat: NPSL | BCP 8k | SPG 3k WF Rwds VS 9k | Propel World Amex 25k | Dillards Amex 2k BBVA NBA Amex 10k Cap1 GM WEMC 8k | QS Visa 3k | Saks WEMC 9k NASA 30k Discover It 7k | US Bank Cash+ VS 15k | Flex Perks VS 20k ||| Total Rwds VS 12k | SG Rwds 11k | Walmrt MC 8k | Lowes 17k | Bowflex 9k | J Deere 15k | TJ Max 4k | Care 15k | HDepot 20k | Amzn 5k | PPal Extras 8k | Chvron 10k | Macys 15k | JCrew 18k | Marvel 8k | Stash VS 8k | Cabelas 10k | Statefarm 12k | Nordstrom Visa 10k \\\\Gardening since January////
Message 8 of 17
Anonymous
Not applicable

Re: I took the bait......

lol same here, discover never incease my card pass 1000, its been siting there for over two years..

Message 9 of 17
alextercero
Super Contributor

Re: I took the bait......

Congrats

Current Credit Cards


Currently rebuilding as of (May 2021)

Current Fico Scores 8/9: (May 2024)


Credit Age:

Inquiries:

Message 10 of 17
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