Tales of Discover CLIs

brewcrew87 · ‎08-26-2016

It has been quite the last 18 months...

Approved for my Discover IT card in Feb of 2015. I enjoyed many of the $1,000 CLIs during the craze when Discover was handing them out every 16 days.

Since then the time frame between CLIs has increased. Every CLI that I ask for ends up going into a 2 day review - but more often than not if I wait at least a month between increases, I get a hefty amount (4k-6k).

Well today I checked and I just got another 6k CLI bringing my total credit limit on that card to $44,000. Unreal. When I was approved for this card 18 months ago, I had a SL of $3,500 and the highest APR they offered (FICOs were around 650 then). Now it is my highest limit, and when my 0% promo APR ran out, they reduced my APR by 6%.

I only use this card for the 5% categories and the Discover deals, but it is definitely ALWAYS in my wallet regardless since they treat me well.

Main Cards: CSR(30k), DiscoverIT(50k), Freedom(10.5k), Ink+(17k), SallieMae(17.5k), 3x BoA MLB(24k), 2x BoA BBR(16k) and probably too many other cards at this point...
Current Score: EQ: ??? TU: 799 EX: 784 - Last Updated 2-2-17 - Last CC App 11/25/16

Anonymous · ‎08-26-2016

Congrats! That's great to hear! I started with a 1600 and have moved to $3200 in six months. Not quite as drastic as you, but I am just now learning that I can ask every 31 days. Thanks for the info!!

SunriseEarth · ‎08-26-2016

That is tremendous growth! Congrats! I've only managed to walk the CL up from $5K to $8500, but I did get the APR lowered by 4%. You've definitely done well by Discover.

padme · ‎08-26-2016

wanna hear my Bk rebuild Discover story>?, since 4/15 from 800-1300-1700 today or within last week anyways, always denials on CLI's. this was auto for some reason

newhis · ‎08-26-2016

Congrats OP.

@Anonymous wrote:
Congrats! That's great to hear! I started with a 1600 and have moved to $3200 in six months. Not quite as drastic as you, but I am just now learning that I can ask every 31 days. Thanks for the info!!

I started with $1,000 with no score, then to $2,500 at 6 months, auto-CLI to $3,500 after 1 year, now $19,000 (2.5 year old card). I don't think they can give me more with my income. I applied for the new Chase card instead.

Anonymous · ‎08-26-2016

I have the similar story with Discover.

FireMedic1 · ‎08-26-2016

@Anonymous wrote:
Congrats! That's great to hear! I started with a 1600 and have moved to $3200 in six months. Not quite as drastic as you, but I am just now learning that I can ask every 31 days. Thanks for the info!!

Just got my card today. Fancy package. Anyway. When is the best time to start hitting the luv button. Starting at 1.5k.

Anonymous · ‎08-26-2016

Wow, that's growth for sure! 44k? Maybe someday! Great job on all of your success!

manyquestions · ‎08-26-2016

@FireMedic1 wrote:
Just got my card today. Fancy package. Anyway. When is the best time to start hitting the luv button. Starting at 1.5k.

Many posters report results after the third statement cuts, or 91 days.

alkaline · ‎08-27-2016

Discover just raised my limit from $5800 to $8300, received an email about it. Pretty surprising considering they recently approved a CLI for me.