Is H3ll freezing over? Finally got a Discover cli

CreditCuriosity · ‎03-20-2019

Finally got a Discover CLI after what 8 or 9 months without getting one.. Still one of my lowest cards at 13.25k.. Was at 11.25k they offered me 450 I took it as was in shock they finally offered me something.. Called in having no shame (hate having to bed) and asked if they could give me any additional as they still aren't on par to majority of most of my other cards she actually raised it another 1650 dollars. That is a 2k CLI biggest I have ever gotten from discover granted had to wait 9 months for it... Stats Scores 800+ TU, income into the 6 figures, other cl's basically 7k(Commerce) to max of 60k(BofA) and average or around 25kish. Normally wouldnt post a 2k CLI, but quite shocked they finally gave me one. Guess they might of got tired of mailing me denial letters which they really need to change to electronic denials by email or SM as they would save a ton of cash doing so and stop my shredder from dieing and early age.

Other sad bits of info this card is 10+ months old and also combined with my Miles old card which is now an IT card.. So to get to this CL it has taken close to two years and a card combination.. Discover really doesn't like my profile lol. I just don't fit their computer metrics of whatever they seek

Anonymous · ‎03-20-2019

Congrats on CLI !!!!!

thornback · ‎03-20-2019

@CreditCuriosity wrote:
Finally got a Discover CLI after what 8 or 9 months without getting one.. Still one of my lowest cards at 13.25k.. Was at 11.25k they offered me 450 I took it as was in shock they finally offered me something.. Called in having no shame (hate having to bed) and asked if they could give me any additional as they still aren't on par to majority of most of my other cards she actually raised it another 1650 dollars. That is a 2k CLI biggest I have ever gotten from discover granted had to wait 9 months for it... Stats Scores 800+ TU, income into the 6 figures, other cl's basically 7k(Commerce) to max of 60k(BofA) and average or around 25kish. Normally wouldnt post a 2k CLI, but quite shocked they finally gave me one. Guess they might of got tired of mailing me denial letters which they really need to change to electronic denials by email or SM as they would save a ton of cash doing so and stop my shredder from dieing and early age.

Nice!! Congratulations I just posted about a $900 CLI so... lol.

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.

Marz2002 · ‎03-20-2019

YOU...

CONGRATS on the Disco CLI and the Successful RECON!!!

LittleSal · ‎03-20-2019

Congrats. Nice DD!!

pinkandgrey · ‎03-20-2019

Nice work on the calling in. It worked out for you! Congrats!

Discover It: 26.5k
Amex Cash Magnet: 24.4k
Fidelity Visa: 21.5k
Apple Card: 16k
CapOne Venture X: 10k

UncleB · ‎03-20-2019

Congrats, my friend!

I know it's still not where you want it to be (or where it should be) but at least it's finally seeing movement.

I don't know if anybody will ever figure Discover out...

Again, good job! (And way to persevere with the 'double dip'!)

simplynoir · ‎03-20-2019

Congrats there, @CreditCuriosity!

FinStar · ‎03-20-2019

Congrats on the CLI @CreditCuriosity!!

Say whaaa? They initially offered you $450 and you didn't decline it?! Shame LOL. I guess h3ll has frozen over 😄 Glad to hear you made out just fine with the double-dip method.

Still not a bad CL for a 2-year old tradeline even with the combo.

Gmood1 · ‎03-20-2019

Congrats CC on the double dip CLI!!