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My 1st Disco CLI after 2+ yrs $3000

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Citylights18
Valued Contributor

Re: My 1st Disco CLI after 2+ yrs $3000


@C6 wrote:

I always get denied for a CLI. My limit has been stuck at $5000 for a few years and the interest rate is the highest. For some reason Discover doesn't like me. My scores are all in the 770 - 800 range and utilization is about 1%. I don't use the card much any longer as the rewards are not great and it has no other benefits.


You might be in that phase where you have to max out the credit lind to squeeze out more credit limit.

 

That's what I'm doing with mine presently.

Official travel point totals as of 10/21/24 (1,358,177 Total Points)
Chase Ultimate Rewards 696,884 | IHG One Rewards 144,957 | Hilton Honors 144,521 | AMEX Membership Rewards 102,729 | World of Hyatt 76,095 | Marriott Bonvoy 65,343 | Citi Thank You 38,153 | Choice Rewards 32,460 | United MileagePlus 13,316 | British Airways Avios 12,333 | Jet Blue TrueBlue 11,780 | Wells Fargo Rewards 2,858 | Southwest Rapid Rewards 2,447 | NASA Platinum Rewards 1,883 | AA Advantage 1,744 | Navy Federal Rewards 1,087 | Delta Sky Miles 175 | Virgin Atlantic Virgin Points 100 | Lowes Business Rewards 7,102 ($71.02) | Amazon Rewards 2,200 ($4.75) | Discover CB 10 ($0.10)
Message 11 of 19
pc01user
Frequent Contributor

Re: My 1st Disco CLI after 2+ yrs $3000

@oorhett Congrats on a good plan for cli!

Message 12 of 19
kickhard88
Regular Contributor

Re: My 1st Disco CLI after 2+ yrs $3000

congrats should try agian in 30 days disco seems to like to give out cli in waves then it dries up for about 6 months  to a year atleast in my experience with them

Message 13 of 19
cashorcharge
Community Leader
Super Contributor

Re: My 1st Disco CLI after 2+ yrs $3000

WooHoo!! Congratulations on your CLI Approval!!👏🏼🍾🥂

Message 14 of 19
oorhett
Regular Contributor

Re: My 1st Disco CLI after 2+ yrs $3000


@kickhard88 wrote:

congrats should try agian in 30 days disco seems to like to give out cli in waves then it dries up for about 6 months  to a year atleast in my experience with them


I'll give it a try after my next statement cuts and see what they do, thanks!




BK 7 5/19 Discharged 09/19
Beginning Scores - EQ 579, TU 565
Current Scores(Vantage, high/current) - EQ 736/736, TU 732/732 / (Fico8/9) EX^8 702 TU^8 738 EQ^9 723
Mortgage (4/25) - EX 736 / TU 738 / EQ 724
Message 15 of 19
oorhett
Regular Contributor

Re: My 1st Disco CLI after 2+ yrs $3000


@kickhard88 wrote:

congrats should try agian in 30 days disco seems to like to give out cli in waves then it dries up for about 6 months  to a year atleast in my experience with them


@kickhard88 Took your advice today and got another $4000 CLI! Thanks for the tip. 




BK 7 5/19 Discharged 09/19
Beginning Scores - EQ 579, TU 565
Current Scores(Vantage, high/current) - EQ 736/736, TU 732/732 / (Fico8/9) EX^8 702 TU^8 738 EQ^9 723
Mortgage (4/25) - EX 736 / TU 738 / EQ 724
Message 16 of 19
SouthJamaica
Mega Contributor

Re: My 1st Disco CLI after 2+ yrs $3000


@oorhett wrote:

Finally got a Discover CLI! 

Opened my Discover IT card Dec 2020 and have used the card off and on. End of 2022 Oct-Dec maxed out the 5% categories but got no love when I requested a CLI see this thread Disco-CLI-Denied-after-increased-usage . Decided to put all of my spend on this card this past billing cycle with the card, Prior to the Statement cut on 04/06 one week ago requested the CLI instant denial (Balance was $1700 34%usage) waited for the Statement to cut, and prior to paying the balance used the request credit line increase in the app and was instantly approved for a $3000 increase. 

DP's: 

  • Original SL: $5,000 12/2020
  • Prior to the Statement cut CLI requested = instant denial (Prior statement balance was $235,  current balance was at $1710) 
  • Statement Cut 04/10/2023
  • Statement Balance $2172, Current Balance: $2197 44%
  • CLI: $3000 60%
  • New Limit: $8000

Update: 05/15 Took some advice thanks to this board and @kickhard88 requested another CLI today and got another $4000 increase! New limit $12,000


Congratulations on your CLI's Smiley Happy


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 17 of 19
coreyb80
Super Contributor

Re: My 1st Disco CLI after 2+ yrs $3000

Congrats on the increases!

Message 18 of 19
Legally_Speaking2512
Frequent Contributor

Re: My 1st Disco CLI after 2+ yrs $3000

CONGRATS ON THE INCREASE - A NICE INCREASE AT THAT 🎉🎉🎉🎉

Starting Score: 570
Current Score: 643
Goal Score: 800


Take the myFICO Fitness Challenge







Message 19 of 19
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