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Member
Posts: 14
Registered: ‎03-01-2014
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small auto CLI from Discover. Any options for bigger increase?

I got my Discover IT card in 11/13 with a $1000 CL. I just got an auto CLI from them for another $250.

 

Kinda dissapointed it wasn't more. Are there any options to get a bigger CL from them? I really don't want a hard pull with discover 

 

Thanks

Discover Fico 737 | Experian Plus 734
Total CL from 8 cards: $43,400
Epic Contributor
Posts: 23,238
Registered: ‎10-23-2007
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Re: small auto CLI from Discover. Any options for bigger increase?


snoopycr wrote:

I got my Discover IT card in 11/13 with a $1000 CL. I just got an auto CLI from them for another $250.

 

Kinda dissapointed it wasn't more. Are there any options to get a bigger CL from them? I really don't want a hard pull with discover 

 

Thanks


You can request sp cli every 90 days with discover... They will come back and tell you yes or no or if they need to hp if you want to go further because nothing available with sp.

but only having the account 4 months your doing better then many!! Discoveries ultra conservative and my partner and I have never seen any auto cli in over a year of having the card or been able to get sp cli's!

Fico Scores: EQ- 668 DCU., TU 704 Best Buy, EX 700 Chase (2/5/15)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
67 Cards and Counting :smileytongue:
Member
Posts: 14
Registered: ‎03-01-2014
0

Re: small auto CLI from Discover. Any options for bigger increase?

Ok. Then I'm happy. I only use it for the 5% cashback categories. so the CL is not a big deal. So far its only restaurants, and always disappointing when the waitress says they don't accept discover.

 

Thanks for the feedback!

Discover Fico 737 | Experian Plus 734
Total CL from 8 cards: $43,400
Frequent Contributor
Posts: 325
Registered: ‎03-01-2014
0

Re: small auto CLI from Discover. Any options for bigger increase?

Like Creditaddict said, Discover can be ultra conservative at times. I received an auto-increase of $500 around Christmas (1 year)  and a SP increase of $800 last weekend. Discover may be stingy at times, but they are a great company to work with. You treat them right, they will treat you right. Great customer service. 

March 2014: EX 693 I EQ 672 I TU 694
September 2014: EX 721 I EQ 741 I TU 742
Community Leader
Valued Contributor
Posts: 13,484
Registered: ‎12-13-2013
0

Re: small auto CLI from Discover. Any options for bigger increase?

Grats on your CLI :smileyhappy:

 

Only option is HP if wont wait for sp increases.

EX Cred Sesame 02/15: 766 (+1) ; EX Fico 04 V2 06/14: 775; EX Fico 08 BC 02/15: 797 (-42)
EQ Beacon 5.0 12/14 757
TU Fico 8 02/15: 754 (-51)
Valued Contributor
Posts: 12,898
Registered: ‎08-13-2013
0

Re: small auto CLI from Discover. Any options for bigger increase?


snoopycr wrote:

I got my Discover IT card in 11/13 with a $1000 CL. I just got an auto CLI from them for another $250.

 

Kinda dissapointed it wasn't more. Are there any options to get a bigger CL from them? I really don't want a hard pull with discover 

 

Thanks


congrats on your auto-luv :smileyhappy:

Old user name newportguy*** Current Score: myFico EQ - 813 (01/14/2015) Discover TU Fico - 809 (02/04/2015) EX Fico - 809 ( 02/04/2015 ) ******* Amex - BCP 10 K * Discover - IT 10.5 K * U.S. Bank Cash + Visa Signature 8.8 K * PenFed - Cash Rewards 5 K * Amex - GDSM 5 K ******FICO 800 Club Member ******* EQ 813 *** TU 809 *** EX 809 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 830's Scores ******
Senior Contributor
Posts: 10,015
Registered: ‎09-24-2013
0

Re: small auto CLI from Discover. Any options for bigger increase?


gdale6 wrote:

Grats on your CLI :smileyhappy:

 

Only option is HP if wont wait for sp increases.


+1


Frequent Contributor
Posts: 348
Registered: ‎02-27-2013
0

Re: small auto CLI from Discover. Any options for bigger increase?

I have a 3k limit and still no cli. I have high utility right now I'm thinking that's why. Well see if anything happens at a year I may do a hp then.
Cards: CSP $5k, Capital One Cash Rewards VS $3100, Discover it $3k Capital One MasterCard $600, Orchard Bank $3k, Barclays Rewards MC $1250 Gapcard $900, BR $300, Neiman Marcus $1k, Macys $1200 Walmart $500
In the garden until I can get a BCP

Starting Score: 534
Current Score: 682 EQ SW 660 TU 636 EX 3/26/13
Goal Score: 720


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Super Contributor
Posts: 6,670
Registered: ‎10-03-2008
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Re: small auto CLI from Discover. Any options for bigger increase?

Congrats! My first CLI was auto $250. Around a year and one-half they gave me a SP CLI of $2250. At about three years they gave me a SP CLI of $1500. The CL is slowly growing without HPs.
Starting Score: 760
Current Score: EX 806 TU 814 EQ 818 FICO 08
Goal Score: 850

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