Interesting Discover datapoint

[AverageJoesCredit]

Wow 2 $4500 bts, glad you had the money to pay right back, I'd be on my second bk lol. It's a risk carrying a balance for sake of a cli because if one falls on the do not like side irregardless of profile, that person is screwed any way . I guess I c as n make 10k cl in about 5 or 10 years with my AJC $500 specials

[Anonymous]

Using $9k of a $10.6k limit and bringing the balance back down to an ideal place in 1-2 cycles is just about the best equation anyone can follow to stimulate a favorable CLI result.

[Anonymous]

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@DaveInAZ wrote:
I've found that most CLI requests need the CRA unfrozen/ unlocked. I've run into this with Barclays, Disco & BoA - all clis denied for TU being locked, all approved when I unlocked it.

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Freezing hasn't blocked me with Amex, Barclays, BoA, Capital One or Citi.

[DaveInAZ]

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@Anonymous wrote:

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@DaveInAZ wrote:
I've found that most CLI requests need the CRA unfrozen/ unlocked. I've run into this with Barclays, Disco & BoA - all clis denied for TU being locked, all approved when I unlocked it.

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Freezing hasn't blocked me with Amex, Barclays, BoA, Capital One or Citi.

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With the announcement if no more HPs for CLIs with BoA I requested a CLI on my Cash Rewards card from $1800 to $5k. I got the 7-10 days message and then a rep called me the next day and told me they needed TU "unfrozen", and gave me a reference # to call back when unfrozen, they called me at work. When I got home I unlocked TU & called, CLI approved, no HP. Last winter I requested a CLI from Synchrony on my PayPal Cashback MC, got the 7-10 day message. Letter arrived and said my TU was frozen and they could not pull my CR. I unlocked TU and tried the CLI again, instant approval from $6k to $8k,no HP.

I've never requested a CLI on my Amex BCE, SL of $15k was more than enough. But in March I was approved for an Everyday card with EX locked, pre-qual offer.

I use a service from each CRA to lock my report, I've never done a security freeze. Perhaps their locking service prevents a SP that's not an account review, as in the monthly Fico score they provide?

[arkane]

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@AverageJoesCredit wrote:
Wow 2 $4500 bts, glad you had the money to pay right back, I'd be on my second bk lol. It's a risk carrying a balance for sake of a cli because if one falls on the do not like side irregardless of profile, that person is screwed any way . I guess I c as n make 10k cl in about 5 or 10 years with my AJC $500 specials

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It's ok AJC, you're not alone in the misery of those $500 CLI specials.

[Anonymous]

I think everyone at some point sees at least one $500 CLI from Discover.  Most of mine have been around $4k on average, but I've seen $500 as well during the growth process.

[Anonymous]

I made the payment today on my newer (March 2018) Discover IT, and the third statement should cut in a week or so. I'm waiting to see whether there's an auto-CLI; I have some hopes, considering I've made it my groceries driver this quarter and have made big payments on both the first and second statements.

[arkane]

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@Anonymous wrote:

I think everyone at some point sees at least one $500 CLI from Discover.  Most of mine have been around $4k on average, but I've seen $500 as well during the growth process.

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Well they gave me a $300 CLI when I asked for one about two weeks ago. Still not sure how to feel about it. On the one hand a CLI is a CLI, but on the other it's clearly a pity CLI and pretty insulting. 

[AverageJoesCredit]

Hey an authentic South Jamaican Special is worthy of some praise

[Meanmchine]

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@arkane wrote:

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@Anonymous wrote:

I think everyone at some point sees at least one $500 CLI from Discover.  Most of mine have been around $4k on average, but I've seen $500 as well during the growth process.

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Well they gave me a $300 CLI when I asked for one about two weeks ago. Still not sure how to feel about it. On the one hand a CLI is a CLI, but on the other it's clearly a pity CLI and pretty insulting. 

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I wish Cap1 would pity me a little bit but I guess thats a topic for another thread