Discover CLI

[Joteism]

I just got $900 CLI on my Discover It card, bringing it to $3,900. I ran about $3k through it in the first month (car down payment) and paid it off the next day. Then I used about $600 each month on it until last month, when I decided to use the 0% APR and maintain a $2k balance.

I was so sure that holding a balance would eliminate my chances of getting a CLI, but I guess not! Just like with my Chase Amazon CLI last week, this came after the 4th statement. 

[manwoot]

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@Joteism wrote:

I just got $900 CLI on my Discover It card, bringing it to $3,900. I ran about $3k through it in the first month (car down payment) and paid it off the next day. Then I used about $600 each month on it until last month, when I decided to use the 0% APR and maintain a $2k balance.

I was so sure that holding a balance would eliminate my chances of getting a CLI, but I guess not! Just like with my Chase Amazon CLI last week, this came after the 4th statement. 

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Unlike most lenders, Discover actually prefers if you carry a balance on their products.  Using the card and carrying a balance makes them happy!

[hot4u]

Congrats... I am seeing Discover lately giving more Cli's before the usual 6 month wait. Even got an email saying try in 3 months.. This is definetly new..

[09Lexie]

Congrats!

[MsLadyRover]

Congrats on your increase!

[knoregs]

Congrats!

~kn

[QueenBeeOC]

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@manwoot wrote:

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@Joteism wrote:

I just got $900 CLI on my Discover It card, bringing it to $3,900. I ran about $3k through it in the first month (car down payment) and paid it off the next day. Then I used about $600 each month on it until last month, when I decided to use the 0% APR and maintain a $2k balance.

I was so sure that holding a balance would eliminate my chances of getting a CLI, but I guess not! Just like with my Chase Amazon CLI last week, this came after the 4th statement. 

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Unlike most lenders, Discover actually prefers if you carry a balance on their products.  Using the card and carrying a balance makes them happy!

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 I am hoping you are right! I'm carrying a balance this month FOR SURE! :/