User Requested Discover CLI with Under 12 Months

[Straed]

Hello all,

I wanted to report that I requested and was approved a $1000 CLI increase (SP) with under a year of discover card ownership and credit history.

Original CL: $500

New CL: $1500

This breaks the hard rule that I thought was true originally - ever since the pandemic started CLIs only could be approved at the 1 year mark of the card history. I knew auto-CLIs were a thing, but user requested.

I wasn't sure to put this in applications or approvals, so I put it in both. Mods feel free to change.

Stats (for DPs):

Stats when I applied:

• Current cards: (list cards, limits, opening date)

• BOFA Cash Rewards (with 3% back on online shopping), $1000 credit limit, opened 08/23/20

• Discover IT, now $1500 credit limit, opened 08/23/20

• Chase Freedom Flex, $1500 credit limit, opened 02/08/21

• Chase Freedom Unlimited, $1500 credit limit,
• Opened 04/13/21
• US Bank Cash+, $5000 credit limit,
• Opened 04/08/21

• FICO Score: TU - 720

• Credit Utilization: 4%

• Oldest account age: roughly 9 months

• Hard Pulls: 3 (TU)

• Income: 28k (I’m an 18 year old high school senior.)

[Straed]

I wanted to report that I requested and was approved a $1000 CLI increase (SP) with under a year of discover card ownership and credit history.

Original CL: $500

New CL: $1500

This breaks the hard rule that I thought was true originally - ever since the pandemic started CLIs only could be approved at the 1 year mark of the card history. I knew auto-CLIs were a thing, but user requested.

I wasn't sure to put this in applications or approvals, so I put it in both. Mods feel free to change.

Stats (for DPs):

Stats when I applied:

• Current cards: (list cards, limits, opening date)

• BOFA Cash Rewards (with 3% back on online shopping), $1000 credit limit, opened 08/23/20

• Discover IT, now $1500 credit limit, opened 08/23/20

• Chase Freedom Flex, $1500 credit limit, opened 02/08/21

• Chase Freedom Unlimited, $1500 credit limit,
• Opened 04/13/21
• US Bank Cash+, $5000 credit limit,
• Opened 04/08/21

• FICO Score: TU - 720

• Credit Utilization: 4%

• Oldest account age: roughly 9 months

• Hard Pulls: 3 (TU)

• Income: 28k (I’m an 18 year old high school senior.)

[babygirl1256]

Congrats on your Discover "manual" CLI.

[Total80sKid]

Congrats on your Disco CLI 👍🏼

[KingRue8500]

Congrats on your Discover CLI

[FalconSteve]

Congratulations!

With a SP it never hurts to try and clearly you were rewarded!

[CreditAggie]

Congratulations on your Discover CLI!

[gdale6]

Sweet, grats on your Disco increase

[NoMoreE46]

---

@Straed wrote:

Hello all,

I wanted to report that I requested and was approved a $1000 CLI increase (SP) with under a year of discover card ownership and credit history.

Original CL: $500

New CL: $1500

This breaks the hard rule that I thought was true originally - ever since the pandemic started CLIs only could be approved at the 1 year mark of the card history. I knew auto-CLIs were a thing, but user requested.

I wasn't sure to put this in applications or approvals, so I put it in both. Mods feel free to change.

Stats (for DPs):

Stats when I applied:

• Current cards: (list cards, limits, opening date)

• BOFA Cash Rewards (with 3% back on online shopping), $1000 credit limit, opened 08/23/20

• Discover IT, now $1500 credit limit, opened 08/23/20

• Chase Freedom Flex, $1500 credit limit, opened 02/08/21

• Chase Freedom Unlimited, $1500 credit limit,
• Opened 04/13/21
• US Bank Cash+, $5000 credit limit,
• Opened 04/08/21

• FICO Score: TU - 720

• Credit Utilization: 4%

• Oldest account age: roughly 9 months

• Hard Pulls: 3 (TU)

• Income: 28k (I’m an 18 year old high school senior.)

---

Very nice.  So it appears that Discover maybe walking back from it's  Covid era 12 month old account age for CLI....

[NoMoreE46]

I wanted to report that I requested and was approved a $1000 CLI increase (SP) with under a year of discover card ownership and credit history.

Original CL: $500

New CL: $1500

This breaks the hard rule that I thought was true originally - ever since the pandemic started CLIs only could be approved at the 1 year mark of the card history. I knew auto-CLIs were a thing, but user requested.

I wasn't sure to put this in applications or approvals, so I put it in both. Mods feel free to change.

Stats (for DPs):

Stats when I applied:

• Current cards: (list cards, limits, opening date)

• BOFA Cash Rewards (with 3% back on online shopping), $1000 credit limit, opened 08/23/20

• Discover IT, now $1500 credit limit, opened 08/23/20

• Chase Freedom Flex, $1500 credit limit, opened 02/08/21

• Chase Freedom Unlimited, $1500 credit limit,
• Opened 04/13/21
• US Bank Cash+, $5000 credit limit,
• Opened 04/08/21

• FICO Score: TU - 720

• Credit Utilization: 4%

• Oldest account age: roughly 9 months

• Hard Pulls: 3 (TU)

• Income: 28k (I’m an 18 year old high school senior.)

[NoMoreE46]

OP:

Hats off to you on your income as well.

[FalconSteve]

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@NoMoreE46 wrote:

OP:

Hats off to you on your income as well.

---

I was thinking that too. That's pretty impressive for a high school senior