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Discover IT - CLI luv button

Valued Contributor

Discover IT - CLI luv button

So I read on here that not everyone got the luv button (maybe I am wrong on this one). I know they review account for cli after 6 months.

 

I have the CLI button since day one when I opened the IT on 03/13 with 4k CL.

 

Wait for 6 months to see what they give me to avoid HP?

 

Is it always HP when using the button?

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
5 REPLIES
Super Contributor

Re: Discover IT - CLI luv button


armbenderc wrote:

So I read on here that not everyone got the luv button (maybe I am wrong on this one). I know they review account for cli after 6 months.

 

I have the CLI button since day one when I opened the IT on 03/13 with 4k CL.

 

Wait for 6 months to see what they give me to avoid HP?

 

Is it always HP when using the button?


From my experience with Discover, unless it's an auto CLI, it will be a HP. You might get a CLI after 6 months or you might not.




Valued Contributor

Re: Discover IT - CLI luv button


CS800 wrote:

armbenderc wrote:

So I read on here that not everyone got the luv button (maybe I am wrong on this one). I know they review account for cli after 6 months.

 

I have the CLI button since day one when I opened the IT on 03/13 with 4k CL.

 

Wait for 6 months to see what they give me to avoid HP?

 

Is it always HP when using the button?


From my experience with Discover, unless it's an auto CLI, it will be a HP. You might get a CLI after 6 months or you might not.


Ty CS, that confirmed my prediction. Since I got the card, I spent 6xx and PIF already, statement will cut in few days, and they not even reported to CRs yet.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Frequent Contributor

Re: Discover IT - CLI luv button

If I tried before the 6 months and was declined, do I need to wait another 6 months or just wait til 6 months since last increase?
Super Contributor

Re: Discover IT - CLI luv button

I remember when I first got my Discover, I used it a lot and PIF but even after a year, I didn't get any auto CLI. I called in, agreed to a HP then they gave me one.

 

It's been close to 9 months since I got the CL but even though last week I tried the luv button, it said it was unable to process. So I sit at $13.5K CL and unless they give me an auto CLI, I personally will not take another HP Smiley Happy




Highlighted
Established Contributor

Re: Discover IT - CLI luv button


armbenderc wrote:

So I read on here that not everyone got the luv button (maybe I am wrong on this one). I know they review account for cli after 6 months.

 

I have the CLI button since day one when I opened the IT on 03/13 with 4k CL.

 

Wait for 6 months to see what they give me to avoid HP?

 

Is it always HP when using the button?


It has NEVER been a HP ALWAYS a soft for me. It evens states it something to the affect this request will NOT affect your credit score. It has never been a hard pull for me as verified by my reports.

Fico 8 11/8/16
Equifax 836, TransUnion 836 12/30/16 , Experian 842 1/11/17 . AAOA 12 years Oldest 17
No inquires since 2014
All credit reports frozen
Fico 8 Equifax Bankcard 866 12/27/16