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Anyone NOT get the CLI on Discover bandwagon?

tag
Anonymous
Not applicable

Re: Anyone NOT get the CLI on Discover bandwagon?

Got 1k earlier Smiley Happy Not seeing many people get denied today unless the account is brand new.
Message 21 of 241
Anonymous
Not applicable

Re: Anyone NOT get the CLI on Discover bandwagon?

Discover started me out at $500 and gave me automatic CLIs of $150 in September and again in January. I asked for an increase online a couple weeks ago and they said no. The letter said that I didn't have enough experience at my current limit. They've never used a hard pull on my CLIs, so I hope my chances of an increase in April (another three months) weren't hurt by my online request.

 

I've read that Discover is more likely to increase your line if you use the card a lot. Is there any truth to this? I usually charge up to my limit every month but pay off most of it before the statement closes, that way less than 10% reports. Am I doing the right thing?

Message 22 of 241
Aarvard
Established Contributor

Re: Anyone NOT get the CLI on Discover bandwagon?


@Anonymous wrote:
Got 1k earlier Smiley Happy Not seeing many people get denied today unless the account is brand new.

9 month old account but still no dice Smiley Sad

03/25/2015 TU 08 765, EX 08 747, EQ 08 757, EQ 04 754.
01/30/2016 TU 08 775, EX 08 752, EQ 08 744
Goal: 780+ across all models.
Message 23 of 241
Anonymous
Not applicable

Re: Anyone NOT get the CLI on Discover bandwagon?

awww sorry Aarvard Smiley Sad
Message 24 of 241
jnt1231
Regular Contributor

Re: Anyone NOT get the CLI on Discover bandwagon?

Didn't get denied or approved...got "your request for credit line increase has been submitted" not sure if it's a good or bad sign
FICO 08 EQ-817 TU-820 EX-817 12/07/17 Last App 9/15/17
Message 25 of 241
pipeguy
Senior Contributor

Re: Anyone NOT get the CLI on Discover bandwagon?

Not me because they wanted to do a HP - I'll just sit on my $11k CL and not worry about it - BUT Comenity finally said "we don't hate you THAT much" and popped my Total Rewards up to $7600 this afternoon, so it's a good day Smiley Wink

Message 26 of 241
Vivid
Valued Member

Re: Anyone NOT get the CLI on Discover bandwagon?

Sweet! Just tried it and got a SP $500 CLI. Discover has been good to me. Great starting limit and a CLI already. Smiley Happy I do use the card a lot...Near CL balances. So perhaps use really does play a roll in CLI from Discover.

Message 27 of 241
TRC_WA
Senior Contributor

Re: Anyone NOT get the CLI on Discover bandwagon?

$500 SP CLI to $2000... had the card 3 months.

FICO8 current as of : ----- EQ: --- TU: --- EX: ---
Hard INQs last 12 months: EQ: 5 | TU: 7 | EX: 9
Verizon Visa $6500 Amex Delta Platinum $10,000 Care Credit $12,000
NFCU CashRewards $6000 Apple Card $2000 Best Buy $3500 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) $44k new - balance $31k/6.94%
Total CL: $45,000 --- Total CC UTI: --% --- AAoA: 5.5 years --- Income: $200k
Last app: 11-30-23
Message 28 of 241
grinlikechelsea
Established Contributor

Re: Anyone NOT get the CLI on Discover bandwagon?

Got denied for SP. I was hoping paying off a BT last week would help, but I guess not.

Message 29 of 241
bengalikejenga
Regular Contributor

Re: Anyone NOT get the CLI on Discover bandwagon?


@jnt1231 wrote:
Didn't get denied or approved...got "your request for credit line increase has been submitted" not sure if it's a good or bad sign
That happened to me for all my CLI, i got the increase the next day at noon. its a good sign in my books.... and i got that message 3 times within the past 3 months, and i got my CLI 3times.
went from $1500 beginning of Jan, to $6500 right now. 

 


Ex681 Tu694 EQ708
Message 30 of 241
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