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Id also like to see a secondary set of datapoints... Who, on graduation got a CLI.. (dont care of the amount) and what your TU score was..
And also Who, on graduation, did NOT get a CLI, and what their TU FICO was ...
Thinking there may have been a policy change..
-J
@joltdude wrote:Id also like to see a secondary set of datapoints... Who, on graduation got a CLI.. (dont care of the amount) and what your TU score was..
And also Who, on graduation, did NOT get a CLI, and what their TU FICO was ...
Thinking there may have been a policy change..
-J
Those are some excellent questions. I have seen a few members reporting a CLI at graduation to $2k from various smaller deposit limits.
Maybe I will start a master thread for Discover secured graduations? I can come up with a template of data points for everyone to share. How do these questions look? Are there any I should add?
Initial CL At Account Opening?
FICO & Bureau Pulled At Approval?
Baddies Reporting At Approval?
Did You Add Additional Funds To CL, & If So, When?
Did You Notice Any Soft Pulls On Any CR Before Graduation?
Did Any Baddies Age Off or Get Deleted?
What Were Your Spending & Payments Habits?
Did You Have Any Missed, Late, or Returned Payments?
Did You Get A CLI At Graduation, & If So, How Much?
How Many Months Did It Take For Graduation (Provide Dates)?
My secured card graduated right after the 7th statement cut. My deposit was $2500 at account opening, and it graduated as $2500 CL. But I have received 2 CLI's since then - one ($500) after 10th statement cut, and the second one ($1100) after the 11th statement cut bringing my current CL to $4100. My 12th statement will cut next week and will see what that brings. Both the CLI's were DD (double dipped) - online CLI and calling them the same day to get some more.
My observation on CLI after Disco secured card graduation has been that you will have to wait for 3 statements after graduation. That was the case with me as well as a few other cases I have read here in the forum. That's also in line with the unsecured cards CLI criteria where you are eligible for your first CLI only after your 3rd statement cut.