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About a Discover Card CLI

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Anonymous
Not applicable

About a Discover Card CLI

Hi.  I had paid my Discover in full (after 3 months of good usage, getting balance up to 1300 on a CL of 1900), trying to get a CLI.  I called in after the online message said "unable to process."  The rep said they weren't even allowed to consider a CLI until at least 6 months.  I just wanted to pass this info on.

Message 1 of 6
5 REPLIES 5
Scuba
Frequent Contributor

Re: About a Discover Card CLI

 

I don't think they will give you an increase at 6 months either.  I have been looking on the Forum and even though Discover makes you wait 6 months, they deny almost all customer requests until they are ready to give you a CLI.

 

To do it all over again, when they offered me $3K when I opened the account, I would have said $10K, and we would have negotiated from there.

 

Live and learn.

Message 2 of 6
Anonymous
Not applicable

Re: About a Discover Card CLI

I agree.  I was way too quick to take their $3200 offer.  They even asked me if it was good enough/ok, and I said I'd like more but the guy on the phone either didn't hear me or just ignored me.  Honestly I was happy to get the offer so I admittedly didn't put up any fight. 

Message 3 of 6
jasimae
Frequent Contributor

Re: About a Discover Card CLI

So your discover cl is $3200, not $1900 as you said in your original post?

Message 4 of 6
clocktick
Valued Contributor

Re: About a Discover Card CLI

Maybe OP meant $1900 was left after they charged $1300 on their $3200 card.  Wish my limit was that high and I asked the rep to go higher too.

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




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Message 5 of 6
tdbss
Valued Member

Re: About a Discover Card CLI

I have had no luck  they want to pull a hard inquiry bull crap, which is policy because of the new CC law, but I see them in the soft inquiry section of my TU every 3 months, so who knows,.  I have had this card 10 years now, got it when I was in college and the have only raised CL automatically, every 12 months, but not in the last 3 years, never upon request.  Just sit on it with a zero balance see what happens

10.28.09 EQ 571 TU 606
11.24.09 EQ 611 TU 566
1.3.10 EQ 653 TU 566
2.6.10 EQ670 TU598
5.4.10EQ691
9.17.10 EQ658 TU682
Message 6 of 6
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