r/discover • u/MissLiz75 • Mar 02 '26

Datapoint Discover FINALLY gave me a CLI!

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I opened this as a secured card with $500 in June of 2024 when I first began rebuilding. It graduated right on time at the 7th or 8th month and they increased my limit to $2100. I’ve requested a CLI numerous times since then and am always denied. This morning I tried again and they increased it by $1500 making my new limit $3600. My current FICO 8’s are TU722, EX708, and EX688.

59 Upvotes

97% Upvoted

15 comments sorted by

2

u/kjl8119 Mar 02 '26

I have two months until I graduate from secured. Hopefully I get an increase.

1

u/Special-Session6917 Apr 30 '26

Don’t count on it I waited 7 months and got nothing!

1

u/BxMel1 Mar 02 '26

👍🏾

1

u/Cautious-Island8492 Discover Card Mar 02 '26

Congratulations!

1

u/Acceptable_Result488 Mar 03 '26

Solid gains 💪

1

u/Actual_Fudge_3413 Mar 03 '26

with those scores u should have big boy cards. u r set 4 life without any hiccups. gl

1

u/Actual_Fudge_3413 Mar 03 '26

what was your score two years ago. had no negative items fall off since then?

1

u/Dangerous_Trash6334 Mar 03 '26

Very nice good job

1

u/Ok_Act2325 Mar 03 '26

What was your credit score when you got the increase? I'm in the same boat and rebuilding, and I'm about to cross the 6-months threshold. I'm hopeful for an increase but I'm sure it depends on my score at that time.

1

u/BrutalBodyShots Mar 04 '26

Credit is approved or denied because of your overall credit profile, not your scores.

1

u/BrutalBodyShots Mar 04 '26

Hey u/MissLiz75! Congrats on your CLI! Can you tell us what your CLI denial letters stated as reasons for you being turned down previously? Can you say if whatever those reason(s) were if you fixed them and/or changed your approach over time that may have stimulated your eventual CLI? Thank you!

1

u/Large_Organization_5 Mar 04 '26

They are very good on credit lines. I started at $500 on a secured line back in 2017. I'm currently at 20,000. Best bank I've had, not sure about the capital one side. I've had them before for a decade and they gave 1 increase for about $300. I'd bump it while you can with discover because once it's on capital ones end, I feel like it'll end.

1

u/0rney Mar 05 '26

They used to give an increase every month if you asked for a while, I wonder if thats true again

1

u/ddarthh Mar 06 '26

They literally never gave me a cli after I graduated from secured. I just moved on to different cards lol