Advice on Discover CLI?

[SouthJamaica]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

There is no rhyme or reason with Discover. Some are 31 days, some are 91 days, some are none at all. My usage is way, way less than yours - average of $105 a month - and my last CLI was $4500 at 31 days. But the one before that took 91 days and was much smaller.

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What's your FICO score?

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TU, the one they use for CLI's, is 815.

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That supports the point I was making to aptiger, that the big Discover CLI's generally go to people with high FICO scores.

[Vegas4Play]

I can add a data point to that and the many others I have read here....Higher TU fico gets bigger increases..... my TU 666 only 500 increase, my moms TU fico 790, 4800 increase - very little usage.

[Anonymous]

My TU is 749 VIA the Disover site. I got my last limit increase about 2 months ago. I started around $7500 last year and now I'm at $13,500 limit. All in less than a year! I love my Disvoer card. I charge between my AMX ED CC ($10,000 Limit) and Discover IT card!

If it declines you try their chat or give them a call.

[Anonymous]

I really think there is no rhyme or reason. I started in June with a $6500 SL. Now it's up to $8500.

My TU is pretty decent at 748, but I've never seen a huge CLI. Two $500s and a $1000 (I think).

Some people get them every 31 days... others at 91. Some can't get a CLI to save their life.

[Vegas4Play]

I'm sure it is an algorithum they use to which we will never know....outside of score I'm sure usage, AAoA, and the entire profile has a say in it as well ( as with all things, unequal as they may be) What works for one will not work for all, as we have seen time and time again. I was just thankful to get approved 2 months after BK DC with a 7.5K SL now 8K. I dont mind it it doesnt grow fast.

[Anonymous]

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@Anonymous wrote:

I really think there is no rhyme or reason. I started in June with a $6500 SL. Now it's up to $8500.

My TU is pretty decent at 748, but I've never seen a huge CLI. Two $500s and a $1000 (I think).

Some people get them every 31 days... others at 91. Some can't get a CLI to save their life.

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I agree with you! When I got my AMX card last month I went a head and made an online acct. For fun I hit the CLI button and I went from $8500 to $10,500 CLI! Its insane. Where as Lowes ($6000), Amazon ($2800) and Wally world card ($2800) wont give me the time of day! (All the same bank I know but they all have lower limits considering my Discover is $13,500 & AMX is $10,500)

[Anonymous]

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@Anonymous wrote:

I really think there is no rhyme or reason. I started in June with a $6500 SL. Now it's up to $8500.

My TU is pretty decent at 748, but I've never seen a huge CLI. Two $500s and a $1000 (I think).

Some people get them every 31 days... others at 91. Some can't get a CLI to save their life.

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Before my most recent, which was my 9th CLI, I had never seen a big one. All had been between $500 and $1500.

[Ghoshida]

Waiting till the 91st day is generally a good idea unless there is a gravy train running.

For a good chunk of people, that's when Discover thinks you are eligible for a CLI.

I got a $3k CLI by waiting a few days over 91 days. My FICO is 785 TU.

Also, if you are getting the "not enough experience" note, I'll say it's a good sign. That means Discover thinks your profile is fine (HP not necessary), just take some time. Try in a week or so (91 days).

[Anonymous]

1) Use it everywhere and no other card (unless better benefits)

2) Get a higher credit score and income

3) PIF (pay in full) 

Nothing else you can do.

[amakol]

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@Anonymous wrote:

There is no rhyme or reason with Discover. Some are 31 days, some are 91 days, some are none at all. My usage is way, way less than yours - average of $105 a month - and my last CLI was $4500 at 31 days. But the one before that took 91 days and was much smaller.

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Yeah, the less thinking with Discover the better.

I have had constant $1-1.5K CLIs whenever I press the online button for over a year now, but this was after 5 years of almost nothing without a HP.

So, I've abused the button. Sometimes 90+ days if I forget about my credit cards, sometimes less than a month if I'm impatient. They give a CLI every time - whether the account activity is $50 total or $500.

My GF has had an account with them for even longer than me. They've increased her CL just once in 8 years.