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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: 29,399
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!

Member
Posts: 14
Registered: ‎03-01-2014
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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
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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
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Posts: 30,640
Registered: ‎12-13-2013
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Re: small auto CLI from Discover. Any options for bigger increase?

Grats on your CLI Smiley Happy

 

Only option is HP if wont wait for sp increases.

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne
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Posts: 12,963
Registered: ‎08-13-2013
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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


congrats on your auto-luv Smiley Happy

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Senior Contributor
Posts: 10,287
Registered: ‎09-24-2013
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Re: small auto CLI from Discover. Any options for bigger increase?


gdale6 wrote:

Grats on your CLI Smiley Happy

 

Only option is HP if wont wait for sp increases.


+1


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Frequent Contributor
Posts: 348
Registered: ‎02-27-2013
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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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Posts: 8,796
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: 000
Current Score: 819
Goal Score: 850


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