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Discover CLI

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Themanwhocan
Senior Contributor

Discover CLI

Well, I tried for my second CLI on Discover. I tried to get a SP online, failed twice and called the next day.

 

Asked politely (and repeatedly) if It was possible to get any increase without a hard pull, and they insisted on the HP.

 

I did get a $2000 increase this time. I talked about the chrismas and after christmas sales, etc. Explained why I had all these cards opened this year and no credit in the past (I never used credit before, always used debit cards, etc). And how I would be happy if I could get a $2000 increase to get the card to $5000.

 

Well, it worked. Last time I waited 6 months and accepted a HP and only got $1000, so I'm pleased to have waited only 3.5 months (had to get most of my cards to report $0) and to have finally gotten the Discover IT to $5000.

 

 





TU-8: 804 EX-8: 805 EQ-8: 788 EX-98: 767 EQ-04: 752    
TU-9 Bankcard: 837 EQ-9: 823 EX-9 Bankcard: 837
Total $443,800
Message 1 of 12
11 REPLIES 11
Anonymous
Not applicable

Re: Discover CLI

Congrats! Persistence pays. Great CL.
Message 2 of 12
alvon123
Super Contributor

Re: Discover CLI

congrats


Message 3 of 12
myjourney
Super Contributor

Re: Discover CLI

Congrats 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 4 of 12
lg8302ch
Senior Contributor

Re: Discover CLI

Congrats....you must have been more convincing than me...LOL..failed now for the 3rd time and this on the card anniversary (12 mo) ...oh well Discover sure hates me Smiley Sad ...at least they SP me twice in October for the first time..that is a start!
Message 5 of 12
Credit-hoarder
Valued Contributor

Re: Discover CLI

Congrats. I'm eligible for a CLI on my D-IT in a couple of weeks, but will only do it if it's a SP b/c it's also my highest APR card of all 4 of my non-store cards. If I'm going to burn an HP on a CLI, I'll do it with one of the other 3.

BUSINESS
Rewards Pts.-Miles: UR-MR-TYP-Venture
Message 6 of 12
knoregs
Established Contributor

Re: Discover CLI

Congrats!

 

~kn

 


EQ: 700 (FICO ScoreWatch) 11/26/14
EX: ??? (No Current)
TU: 681 (Discover FICO) 11/12/14

Last App 9/22/14... In Garden 'till Summer '15
Message 7 of 12
coldnmn
Mega Contributor

Re: Discover CLI

Congrats!

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 8 of 12
CodyAB31
Member

Re: Discover CLI

How long after opening the card did you have to wait for a CLI?

11/13 - EX 674 MyFico - EQ 660 MyFico - TU 675 WMart Fico

TTFCU 3500 - AMEX Green NPSL - Discover IT 800 - Amazon 1400
Lowes 800 - QuicksilverOne 500 - CapOne Plat 800 - Walmart 1050
Barclays ChoicePriv 250 -Vic. Sec 900 - Express 1070 - Buckle 780 - Valero 600 - JCPenney 700
Message 9 of 12
Themanwhocan
Senior Contributor

Re: Discover CLI


@CodyAB31 wrote:

How long after opening the card did you have to wait for a CLI?


Apparently it is now 3 months between CLI requests. But when I got my card, it was still 6 months.





TU-8: 804 EX-8: 805 EQ-8: 788 EX-98: 767 EQ-04: 752    
TU-9 Bankcard: 837 EQ-9: 823 EX-9 Bankcard: 837
Total $443,800
Message 10 of 12
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