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Discover Auto CLI

Blogger

Re: Discover Auto CLI

I've had mine since the first week of March. No auto-CLIs, nor do I expect one. I specifically got the card to pay utilities and to do a BT for the 18-month 0% transfer.

Carrying a 60% balance on it while I pay it down, I spend only about $50 a month on it, so I'm not likely to get one until I get it to 0 and actually use it the way I'd like to.

 

 

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Message 11 of 21
Frequent Contributor

Re: Discover Auto CLI


Gabo wrote:

Be advised that if your credit limit is below 1500 automatic CLI is not available for at least 1 year, however if your card is at least 3K limit CLI is available within Months defending on your CR, sometimes people got lucky to get their CLI in 3 or 4 months but the average is 6 months

 


Just got a $350 auto CLI after 4th statement on my $1k Discover More.
Message 12 of 21
Established Member

Re: Discover Auto CLI

My Discover opened 4-16-12 at $4k. I'm interested in others experiences. My score was 730 when opened and now down to 670 due to AAoA and new mortgage and 6 new cc's.

Opinions and feelings just get in the way of good decision making.
Me
Discover 350/4K, Chase Freedom 0/2K, Lowes 0/500, Tidewater(Jerome's Furniture 0/2K, Citi Simplicity 0/1000
Message 13 of 21
Regular Contributor

Re: Discover Auto CLI

Ctb89 - would u mind sharing how u have been using you'r card & paying?
Message 14 of 21
Frequent Contributor

Re: Discover Auto CLI


Gabo wrote:

Be advised that if your credit limit is below 1500 automatic CLI is not available for at least 1 year, however if your card is at least 3K limit CLI is available within Months defending on your CR, sometimes people got lucky to get their CLI in 3 or 4 months but the average is 6 months

 


I know this is an old thread, but I felt compelled to clear some things up for future discover cardholders researching for some answers.  Gabo, I don't know if you stated "Be advised that if your credit limit is below 1500 automatic CLI is not available for at least 1 year," in error, but you're wrong. I started at a credit line of $1,000 and after 3 months they gave me an increase, then 3 months later another increase, again 3 months later another. I'm about to reach my 1 year anniversary with them next month, so i'm not sure if I'll get another but I will update. Granted, they've been small increases -250.00- each time but nonetheless, i've gotten them having a limit "below 1500."

Current: TU 772 EQ 765 EX 760 (GE credit pull)
Goal 800+
WHAT'S IN MY WALLET: American Express Blue Cash Preferred 29,500/ Citi Simplicity 16,600 / Discover IT 16,500/ Chase freedom 4,800/ Care credit 10,000/ R us MasterCard 7,500/ kohls 2,500/ LensCrafters 2,400 / Citi Double Cash 13,200/ Amazon Visa 7,000
Message 15 of 21
Highlighted
Established Contributor

Re: Discover Auto CLI

they auto CL just right after 5 months.they start 1k2 for me. i just called, they said call them back after 6 months.They will review agian,if my account is good standing then they don't need HP,if not they have to pull my credit again for CL increase.

10/2012 Started with 588 EQ Fico score and 20+ CA and CO
1750$ total CL
10/2013 in 700 Club
Personal :Total CL 196K
Business : Total CL 200K
Business LOC : 1M
Garden From 10/13/2013
Message 16 of 21
Established Contributor

Re: Discover Auto CLI

No true I have a student card that started at 500 and got bumped up after 6 months


TU 762
Income $300,000
Car lease 2015 Mazda 3 sTouring
Barclay/EX 755 ($214,000+ total CL) In my wallet (UTI >1%)
Message 17 of 21
Senior Contributor

Re: Discover Auto CLI

Discover does auto clis fairly frequently. Typically, I larger credit line will require a hp. I've received three auto clis with the first being at six months, then every three months for another six months, and then a neary 5k increased at around 14 months.

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 18 of 21
Established Member

Re: Discover Auto CLI

Just received a $200 increase yesterday, one day after my 6th statement cut, not much but a little bump.

FICO 8 / EQ 814 / EX 825 / TU 824

Discover $33,000, Capital One Venture $32,500, Barclays Hawaiian Airlines $28,000, Fidelity Rewards $25,000, AMEX Delta $25,000, AMEX SPG $25,000, AMEX Platinum $$$
Message 19 of 21
Super Contributor

Re: Discover Auto CLI

When i PIF i push a negative credit into it for good measure. This time i'm leaving it for awhile and then try again for a CLI, HP if they absolutely feel a need for it, but it better yield some results. I been getting pretty tired of sending multiple payments every time i use their $1400 SL line.

Message 20 of 21