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90days Discover iT CLI 1700 > 5000 after 1st denial...

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zerobacan
Established Contributor

90days Discover iT CLI 1700 > 5000 after 1st denial...

I called the number in the back of my card, I asked for 5ks, waiting for a counteroffer, and got a bland cold denial.... 7 to 10 days wait for letter script... Today is my 90 days since opening it!

 

I then got pissed at Discover, because I just got Approved for a Visa Signature with BOFA for 5k. how can they not even give me some luv,

 

Came back to the forums and called the recon backdoor number here, the rep transfered me to a credit analyst, the analyst

 

told me he needed a HP, i asked him which Bureau, he said TU. I was like yeah go ahead... got like 4 Inqs las 6months on it. but CK says only 1, go figure.... 

 

anyhow he came back asked me, why I wanted the CLI, I said traveling Then he asked about, living conditions, employment info.. and pump! 5000 CLI.

 

 

Happy Dance!

 

Today its a goood day!

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Message 1 of 13
12 REPLIES 12
LS2982
Mega Contributor

Re: 90days Discover iT CLI 1700 > 5000 after 1st denial...

CONGRATS!!! :-)



EQ FICO 548 3/3/16
Message 2 of 13
KIPPIE12
Established Contributor

Re: 90days Discover iT CLI 1700 > 5000 after 1st denial...

Congrats, your persistence paid off!

Current Score: EQ: 828, EX: 833, TU: 820 Citi TY Premier WEMC 46.5, (Since 1983)Discover 15.6k|BOA WMC 30.5k|Barclays Juniper Rewards 15k|Barclays Amex 20k| Cap One QS WMC 15K|Chase Freedom VS 19.3k|Citi Dividend WEMC 25k|FNBO 15.5k|CSP 22.1K|Chase Marriott 31.3k|Citi TYP 20K|Citi DP 16.5k|Macys 5k|Sams MasterCard 15k|Barclay Arrival Plus WEMC 18.7k|Chase IHG WMC 26k|Citi Double Cash 10k|Chase MileagePlus Explorer 14k|Amex Everyday 16.2|BBVA Amex 22.5k|Total Rewards VS 12.5k|SGV 10K|Venture 12k|BOA Virgin Atlantic WEMC 11.2K|MB Amex 9.5k
Message 3 of 13
09Lexie
Moderator Emerita

Re: 90days Discover iT CLI 1700 > 5000 after 1st denial...

Message 4 of 13
zerobacan
Established Contributor

Re: 90days Discover iT CLI 1700 > 5000 after 1st denial...


@09Lexie wrote:
Nice CLI worth a HP

Yei!!

 

and even better if it is in TU

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Message 5 of 13
myjourney
Super Contributor

Re: 90days Discover iT CLI 1700 > 5000 after 1st denial...

Wooo Hooo 

Congrats

CHA cha ching$$$$$$$$$$$$

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 6 of 13
acb5456
Regular Contributor

Re: 90days Discover iT CLI 1700 > 5000 after 1st denial...

What was your credit profile like when you applied for a CLI? I'm coming up on my 90 days with my Discover IT. 

Chase Sapphire: $10,000 | Amex BCE: $15,000 | BofA Cash Rewards WMC: $15,000 | Discover IT: $15,000

FICO: TU-793 (Discover), EX-805 (Amex), EQ-790
Message 7 of 13
zerobacan
Established Contributor

Re: 90days Discover iT CLI 1700 > 5000 after 1st denial...


@acb5456 wrote:

What was your credit profile like when you applied for a CLI? I'm coming up on my 90 days with my Discover IT. 


Scores are in my siggy, 33% utili, EXP inqs 3 last 6 months, bunch more last year

EQ Inqs 6 last 6 months

 

The Analyst was just worried about my new accs 9 in the last 12 months, i told him I was looking for reward cards. he said ok

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Message 8 of 13
FocusedAndDetermined
Senior Contributor

Re: 90days Discover iT CLI 1700 > 5000 after 1st denial...

Congrats!

Message 9 of 13
Irisa
Senior Contributor

Re: 90days Discover iT CLI 1700 > 5000 after 1st denial...

Yay, Congrats on the CLI! Smiley Happy

Message 10 of 13
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