topic Re: Discover initial CLI? in Credit Cards

Discover initial CLI?

720ismygoal — Wed, 17 Oct 2012 05:24:10 GMT

I've had my Discover for 6 months now and i want to request a CLI. i see the link on the sebsite to do so, but it says that it does work and to please call the 1-800 number. I need some input, should i wait and see if i can an auto or should i call and request? started with $1000 and a bump. thanks in advance!

Re: Discover initial CLI?

youngandcreditwrthy — Wed, 17 Oct 2012 05:31:15 GMT

They told me they do clis after six months. If it's a sp, then dooooo it!

Re: Discover initial CLI?

youngandcreditwrthy — Wed, 17 Oct 2012 05:31:53 GMT

Calll.... Make sure you have had six statements

Re: Discover initial CLI?

720ismygoal — Wed, 17 Oct 2012 05:39:57 GMT

Should I call and ask for a cli even thou my uti is high? Cli is $1000, and I owe $900. Let me know what you think?

Re: Discover initial CLI?

PaPaBrad — Wed, 17 Oct 2012 06:47:10 GMT

Did your 6th statement just hit? Mine hit a few weeks ago but my actual 6 month isn't till the 22nd (Account Open)

I'm also hoping to get mine increased. Just a student but with a 500CL my utilization can get hit hard with even somewhat simple purchases. I'd like to raise mine up to 1500. From my understanding Discover is Soft Pull online and on phone unless they deny the request. Then they will ask permission first before hard pull. I also hear they counter offer usually so your chances are probably quite good.

I'd pay down the utilization is my only recommendation.

Re: Discover initial CLI?

youngandcreditwrthy — Wed, 17 Oct 2012 13:40:09 GMT

Yeah... Unfortunately most creditors won't increase your limit if you have that high of util. Is it at 0%?!? What's your overal util on all cards?!?
Either way, if it's a sp... No harm in asking.

Re: Discover initial CLI?

migliogiorni — Wed, 17 Oct 2012 13:42:30 GMT

when a persons overall uti

, or uti on that card is high it is not advised to ask for a cli.

Re: Discover initial CLI?

webhopper — Wed, 17 Oct 2012 13:43:43 GMT

720ismygoal wrote:
Should I call and ask for a cli even thou my uti is high? Cli is $1000, and I owe $900. Let me know what you think?

you should get your utilization down before you call... they won't really be impressed with your high balance.

Re: Discover initial CLI?

720ismygoal — Wed, 17 Oct 2012 14:03:11 GMT

Got it! thank you!

Re: Discover initial CLI?

Cadillac-XTS — Wed, 17 Oct 2012 14:08:10 GMT

Good luck