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Discover luv button fixed: Your credit line has been increased.


virtualtreasure
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My first CLI today with Discover it love button. When I requested it went to 2 days pending status.

I hit it up all the way and PIF every month.

3 statements cut 5.5K->9.5K

 

My first CLI today with Discover it love button. When I requested it went to 2 days pending status.

I hit it up all the way and PIF every month.

3 statements cut 5.5K->9.5K

 

Congratulations!!!

 

Congrats on the increases!

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Had a $15500 limit, got a $500 increase after 6 months since last one, on 10/12.

After I got my scores up a bit I tried again on 11/25 and got another $500 increase.

 

Now sitting at $16500, tried again on 12/7 and got a 2 Day / further review message. Waiting to see what happens...

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Just hit my one year mark on my Discover. Started me out at $8500 CL. Received two CL increases by hitting the love button over the last 12 months. Today logged in to find a $2K auto increase. Brings me to $11.5K, my highest CL ever.

Hit them up again and see what happens. Maybe they only gave you $2k because they thought you didn't want any more...

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6 months between requests? That's crazy talk. :)

Derp...not 6 months, 90 days. I had to look back at my spreadsheet. Last CLI prior to October was July. I haven't bothered trying in less than 90 days for awhile. Used to request frequently, at least once / week, but after being rejected again and again, then approved at 90 days, I just started waiting.

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14300=>20300

 

60 days after last increase (5,000). 2 years out from BK7. I had just used the 0% balance transfer for 3200. By far my highest limit.

 

Just received my first denial letter. I had never received any kind of notice when denied for a CLI. This was for the request 2 days before getting the increase.

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For those hitting 50k, was that request on the same schedule as the others, or did you wait a bit longer?

 

I haven't been hitting the button since getting to 49.5k.

 

I got 3 or 4 FOAD letters between $49,500 and $50,000, but I got those before too.

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For those hitting 50k, was that request on the same schedule as the others, or did you wait a bit longer?

 

I haven't been hitting the button since getting to 49.5k.

 

I was getting 6K CLIs every month or so until I got to 39K. It was almost 2 months before I was able to get to 45.5K. Then, I got busy and forgot about it for 7 months. My next request took me to 51.5K.

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For those hitting 50k, was that request on the same schedule as the others, or did you wait a bit longer?

 

I haven't been hitting the button since getting to 49.5k.

I was getting 6K CLIs every month or so until I got to 39K. It was almost 2 months before I was able to get to 45.5K. Then, I got busy and forgot about it for 7 months. My next request took me to 51.5K.

That is pretty good.

What was your Fico when you were getting those cli's?

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For those hitting 50k, was that request on the same schedule as the others, or did you wait a bit longer?

 

I haven't been hitting the button since getting to 49.5k.

I was getting 6K CLIs every month or so until I got to 39K. It was almost 2 months before I was able to get to 45.5K. Then, I got busy and forgot about it for 7 months. My next request took me to 51.5K.

That is pretty good.

What was your Fico when you were getting those cli's?

 

 

840's

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For those hitting 50k, was that request on the same schedule as the others, or did you wait a bit longer?

 

I haven't been hitting the button since getting to 49.5k.

I was getting 6K CLIs every month or so until I got to 39K. It was almost 2 months before I was able to get to 45.5K. Then, I got busy and forgot about it for 7 months. My next request took me to 51.5K.

That is pretty good.

What was your Fico when you were getting those cli's?

840's

 

Mine is in 790's, I always get cli's between 1800 to 2400. But my card is not even a year old.

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For those hitting 50k, was that request on the same schedule as the others, or did you wait a bit longer?

 

I haven't been hitting the button since getting to 49.5k.

 

It was 90 days to the day since my CLI attempt via the button.

Previously, I've randomly waited from 30 to 90 days before hitting the button.

I was offered 52K with POI or 50K without it. I accepted the 50K and thanked them for their generosity.

 

Discover FICO was 841 as of 12/12/16

 

Account CLI history:

Account opened 12/2013- Opening CL- 8500

No CLI's of any kind prior to 4/25/2015

 

Luv Button results to date:

4/25/2015- CLI 1500 to 10K

5/25/2015- CLI 1500 to 11.5K

8/01/2015- CLI 4000 to 15.5K

11/2/2015- CLI 6000 to 21.5K

01/5/2016- CLI 500 to 22K

3/22/2016- CLI 6000 to 28K

6/01/2016- CLI 6000 to 34K

7/08/2016- CLI 6000 to 40K

8/8/2016 - Request declined- My 1st "Not enough experience..." letter. Though 'disappointed,' I forged onward.

9/12/2016- CLI 6000 to 46K

12/12/16- CLI 4000 to 50K

 

Discover%2050K%20Capture_zpskiufeuru.png

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For those hitting 50k, was that request on the same schedule as the others, or did you wait a bit longer?

 

I haven't been hitting the button since getting to 49.5k.

 

It was 90 days to the day since my CLI attempt via the button.

Previously, I've randomly waited from 30 to 90 days before hitting the button.

I was offered 52K with POI or 50K without it. I accepted the 50K and thanked them for their generosity.

 

Discover FICO was 841 as of 12/12/16

 

Account CLI history:

Account opened 12/2013- Opening CL- 8500

No CLI's of any kind prior to 4/25/2015

 

Luv Button results to date:

4/25/2015- CLI 1500 to 10K

5/25/2015- CLI 1500 to 11.5K

8/01/2015- CLI 4000 to 15.5K

11/2/2015- CLI 6000 to 21.5K

01/5/2016- CLI 500 to 22K

3/22/2016- CLI 6000 to 28K

6/01/2016- CLI 6000 to 34K

7/08/2016- CLI 6000 to 40K

8/8/2016 - Request declined- My 1st "Not enough experience..." letter. Though 'disappointed,' I forged onward.

9/12/2016- CLI 6000 to 46K

12/12/16- CLI 4000 to 50K

 

Discover%2050K%20Capture_zpskiufeuru.png

 

 

How did you utilize your account in those increase periods ?

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For those hitting 50k, was that request on the same schedule as the others, or did you wait a bit longer?

 

I haven't been hitting the button since getting to 49.5k.

 

It was 90 days to the day since my CLI attempt via the button.

Previously, I've randomly waited from 30 to 90 days before hitting the button.

I was offered 52K with POI or 50K without it. I accepted the 50K and thanked them for their generosity.

 

Discover FICO was 841 as of 12/12/16

 

Account CLI history:

Account opened 12/2013- Opening CL- 8500

No CLI's of any kind prior to 4/25/2015

 

Luv Button results to date:

4/25/2015- CLI 1500 to 10K

5/25/2015- CLI 1500 to 11.5K

8/01/2015- CLI 4000 to 15.5K

11/2/2015- CLI 6000 to 21.5K

01/5/2016- CLI 500 to 22K

3/22/2016- CLI 6000 to 28K

6/01/2016- CLI 6000 to 34K

7/08/2016- CLI 6000 to 40K

8/8/2016 - Request declined- My 1st "Not enough experience..." letter. Though 'disappointed,' I forged onward.

9/12/2016- CLI 6000 to 46K

12/12/16- CLI 4000 to 50K

 

Discover%2050K%20Capture_zpskiufeuru.png

 

 

How did you utilize your account in those increase periods ?

 

I use it almost exclusively for purchases in the 5% rewards category and PIF as soon as the purchases post. Monthly transaction totals vary from less than $20 to mid $100's. The largest transaction since I opened the account was less than $1000.

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