cancel
Showing results for 
Search instead for 
Did you mean: 

Small but meaningful CLI from Disco (also NFCU)

KJinNC
Valued Contributor

Small but meaningful CLI from Disco (also NFCU)

tldr version, I got a $1K CLI from Discover that put my total card CLs at $100,100, or $125,100 counting an AU card.

 

Long version:

I have noted quite a few times that Discover is my oldest card and my smallest card. That is no longer true. At $3,100, it now noses out my NFCU card, which is at $3,000. I just got a $1,000 CLI on Discover, taking it from $2,100 to $3,100. I considered only taking $900 of it to give an even number, but then thought, it's Discover, I might regret that if I never get another CLI. Smiley Happy

(Edited to add: Discover is back to being the smallest. One day later, I got a covid $4K CLI on my NFCU card, taking it from $3,000 to $7,000.)

 

The Discover card was opened in May 2019 as a secured card with a $500 deposit/CL. A month later, I increased it to $1,000. In December, it unsecured, with a new CL of $1,500. I was happy it unsecured in time, but not thrilled with the CL, since my scores at the time were in the 700s and I was seeing others with scores in the 600s unsecuring from lower CLs to higher CLs. I then went most of 2020 with no CLIs. Denials said insufficient experience at current CL.

A few months ago, I got a $300 CL. About a month after that, I got another $300, bringing me to $2,100. Then, I was denied again a few times (insufficient experience message), then last month, I was denied with a new message indicating I hadn't used the card enough. So, I put most of my spend through it. The statement cut yesterday morning. I applied for a CLI as soon as the statement cut and was denied. I decided, well, it's Discover, so who knows, and applied again for a CLI a few hours later and was approved for the $1,000 CL to $3,100.

This is an especially meaningful CLI since it took my total card CLs from $99,100 to $100,100. (Add $25K to both numbers for an AU card if you count that.)

 

My profile is so weird that I don't know if my DPs are valuable for anybody else, but just wanted to share a rare instance of the enigma shrouded in mystery known as Lady Discover smiling upon me.


FICO Resilience Index: 62. Cards: 17/24, 5/12, 0/6. Accounts including loans: 21/24, 6/12, 0/6. At first accidentally, later deliberately, I used what I call the "thick-start" build method, which leads to heavy credit-seeking for a while with the goal of coming out of it without needing to build a thin profile for years. There are pros and cons. Thread describing method
Cards (oldest to newest)

Authorized user / Corporate / Auto loan / Personal loan

Card CLs total $104,100, not counting the AU card. The AU card brings the total to $129,100. In March 2019, card CLs totaled $0.
CU and bank memberships: Coastal Credit Union, member since 1987, direct deposit; PenFed, member since 2019; Navy Federal, member since 2020; USAA, member since 2020; Chase Bank, member since 2020.

Closed but still on reports: American Express Delta Gold, $1,000, 09/19-10/20 | American Express Hilton Aspire, $3,100, 09/19-12/20 | Citi secured, $200, 04/19-09/19 | Capital One secured, $300, 04/19-08/19 | My Jewelers Club, $5,000, 05/19-08/19 | Green Dot Primor, $300, 05/19-08/19 | Self Lender secured $500 loan, 04/19-01/20 | Unsecured personal loan from Coastal, $1,000, 06/19-08/19.
Note: My signature is updated frequently, and updates appear on all instances of my signature including on old posts.
Message 1 of 17
16 REPLIES 16
AllZero
Super Contributor

Re: Small but meaningful CLI from Disco

Congratulations on your CLI and reaching $100K TCL!

Message 2 of 17
JoeLuvsHisCredit
Valued Contributor

Re: Small but meaningful CLI from Disco

Congratulations

Message 3 of 17
cashorcharge
Valued Contributor

Re: Small but meaningful CLI from Disco

That's terrific!  Congratulations on your approval!! 🎉🥂

Message 4 of 17
gdale6
Moderator

Re: Small but meaningful CLI from Disco

Sweet and welcome to the 100K club Smiley Happy

Message 5 of 17
Papa_Bear
Valued Member

Re: Small but meaningful CLI from Disco

Awesome! Congratulations.




Message 6 of 17
Demented1
New Contributor

Re: Small but meaningful CLI from Disco

Congrats on the $100k TCL and the Disco CLI! Smiley Wink


Current Scores (2021.02.20):

Additional DP’s (2021.02.20):



Take the myFICO Fitness Challenge

Cards Earliest to Latest:


Gardening Since: Last HP = 2020.12.18




“To achieve a goal you have never achieved before, you must start doing things you have never done before.”
- Chris McChesney

Message 7 of 17
Rebuild2019
Established Contributor

Re: Small but meaningful CLI from Disco

Congrats on your CLI 🎊🎉🥳.

CARDS: Discover It | QuickSilver One | Kohl’s | BB&T Spectrum Cash Rewards | BB&T Bright | NFCU CashRewards | NFCU More Rewards | AMEX BCE | Verizon Visa | Wells Fargo Platinum | Amazon Prime | OverStock
Starting Scores 05/2019: EQ:519, EX:525, TU:574
Message 8 of 17
M_Smart007
Epic Contributor

Re: Small but meaningful CLI from Disco

Congratulations!

popcorn eating emoticon.gif
Message 9 of 17
mrcraft
Valued Contributor

Re: Small but meaningful CLI from Disco

Congratulations on your CLI!!





Message 10 of 17
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.