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Finally, a CLI from Sam's Discover

MrShush
Valued Contributor

Finally, a CLI from Sam's Discover

It's been about 6-9 months because I haven't made any purchases on the card (but I did earlier this month) but I kept getting denied. New statement began today, clicked the button and went from 7400 to 10,000. I'm happy with that.

Message 1 of 8
7 REPLIES 7
philliprvaughn
Established Member

Re: Finally, a CLI from Sam's Discover

Nice CLI!!! Do you really need a 10k limit? lol


Starting Score: 522
Current Score: EQ 625 TU 616 EX 650 10/2011
Goal Score: 720


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Message 2 of 8
MrShush
Valued Contributor

Re: Finally, a CLI from Sam's Discover


@philliprvaughn wrote:

Nice CLI!!! Do you really need a 10k limit? lol


Not really, but it is nice Smiley Happy It is my goal to get all cards to 10k or better. Only 2 left to get there.
Message 3 of 8
philliprvaughn
Established Member

Re: Finally, a CLI from Sam's Discover

Verty true! How do you get such high limits?  I onlu have 3 open cards, 2 within the last 6 months. All 3 are from Capital one and the won't seem to budge on CLI. One has a 1K limit and the other 2 $500 each. I'm still working on re-building my credit.

 

Any advice on cards that are generous with CLI?


Starting Score: 522
Current Score: EQ 625 TU 616 EX 650 10/2011
Goal Score: 720


Take the FICO Fitness Challenge
Message 4 of 8
MrShush
Valued Contributor

Re: Finally, a CLI from Sam's Discover


@philliprvaughn wrote:

Verty true! How do you get such high limits?  I onlu have 3 open cards, 2 within the last 6 months. All 3 are from Capital one and the won't seem to budge on CLI. One has a 1K limit and the other 2 $500 each. I'm still working on re-building my credit.

 

Any advice on cards that are generous with CLI?


It took a lot of time to get good limits. I think it all started a couple of years back with the first initial 10k approval, and the rest just followed suit. Ive heard cap one isnt the most generous with cli on the rebuilder cards so you may want to try a different lender.
Message 5 of 8
philliprvaughn
Established Member

Re: Finally, a CLI from Sam's Discover

Thanks for the response.  I think my credit is still considered "fair" to "poor" depending on whom is looking at it.  Are there any other credit cards you might know of that are willing to work with somone whom is rebuilding?  I know my choices are probably limited. B of A , Chase, and Citi will not have anything to do with me at this point to to old debts that have been written off for quite some time.


Starting Score: 522
Current Score: EQ 625 TU 616 EX 650 10/2011
Goal Score: 720


Take the FICO Fitness Challenge
Message 6 of 8
MrShush
Valued Contributor

Re: Finally, a CLI from Sam's Discover

Try a credit union.
Message 7 of 8
philliprvaughn
Established Member

Re: Finally, a CLI from Sam's Discover

I recently opened a checking account with USAA. At the same time I applied for an unsecured card and was declined. I think I'll wait a few months more and try a re-app..since I am now over the 600 mark.


Starting Score: 522
Current Score: EQ 625 TU 616 EX 650 10/2011
Goal Score: 720


Take the FICO Fitness Challenge
Message 8 of 8
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