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Discover 90 Day CLI-Auto or Have to Ask?

Valued Contributor

Discover 90 Day CLI-Auto or Have to Ask?

Paid my first Discover statement by phone a few days ago and asked the CSR about CLI eligibility. She told me after first 90 days (Dec. 2nd). So is this something that comes automatic or do you have to hit the CLI button on the acct. page? Also is it a HP or SP? I've read on here the base CLI's on high usage so I've been using it for small purchases w/o going over the 20% util cap/restriction I've put on it on my own  for now. My current limit is $1400.

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10 REPLIES
Moderator Emerita

Re: Discover 90 Day CLI-Auto or Have to Ask?

The auto CLI by definition is automatic. If you haven't received a CLI after the 90 days you may request it online or by calling. They will inform you if they need to pull your cr. Keep in mind the 90 days is simply an eligibility to receive no guarantee of receiving a CLI.
Message 2 of 11
Mega Contributor

Re: Discover 90 Day CLI-Auto or Have to Ask?

More then likely have to call it's more like 6 months.  YMMV, Congrats and welcome to the Discover family.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $13.5k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $4.85k / Citi DC (WMC) $7.1k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 3 of 11
Valued Contributor

Re: Discover 90 Day CLI-Auto or Have to Ask?

Thanks and understood (about the eligibility)..

Message 4 of 11
Moderator Emerita

Re: Discover 90 Day CLI-Auto or Have to Ask?

@coldnmn

Discover changed their policy for CLI's in July, it's now shortened to 90 days.
Message 5 of 11
Mega Contributor

Re: Discover 90 Day CLI-Auto or Have to Ask?

Thanks 09Lexie good to know. I have only asked for 1CLI and that's when I switched from the more to the IT. I guess I should as I use it a lot. I just don't want to take the chance of a hard pull. After being on this site and watching people go crazy on apps and getting baby limits or declined I went the other way. Slow and steady wins the race for me. I have remorse when I apply for a card I will use.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $13.5k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $4.85k / Citi DC (WMC) $7.1k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
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Frequent Contributor

Re: Discover 90 Day CLI-Auto or Have to Ask?

Recently my request for a cli to 2500 from 1000 via a SP was rejected. Insufficient usage and inquiries were the main reasons for the rejection according to the letter I received from Discover.


PNC Secured 2000 (Dec12), Chase Amazon 2000 (Apr13), CapOne Newcomer 2500 (May13), Citi dividend 3000 (May13), Discover IT 1000 (Jul13), Amex BCP 6000 (Jul13), Chase Southwest 10000 (Jul13), Chase Marriott 12000 (Oct 13), BofA Travel Rewards 5000 (Dec13)

- In garden till Dec 2014
Message 7 of 11
Mega Contributor

Re: Discover 90 Day CLI-Auto or Have to Ask?

That's why I said more then likely 6 months, to avoid the bummer feeling of rejection.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $13.5k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $4.85k / Citi DC (WMC) $7.1k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 8 of 11
Regular Contributor

Re: Discover 90 Day CLI-Auto or Have to Ask?

I applied for an increase about a month ago after having the card since May and it was a HP, but went from $1,500 to $5,000, so it was worth it! I used it more than any other card and didnt carry any balances. They said keep up the good work haha Smiley Happy Ask for a lot so they counter offer you!

Chase Sapphire: $10,000 | Amex BCE: $10,000 | BofA Cash Rewards WMC: $10,000 | Discover IT: $10,000

FICO: TU-767 (Discover), EX-768 (Amex pull), EQ-759
Message 9 of 11
Valued Contributor

Re: Discover 90 Day CLI-Auto or Have to Ask?


09Lexie wrote:
The auto CLI by definition is automatic. If you haven't received a CLI after the 90 days you may request it online or by calling. They will inform you if they need to pull your cr. Keep in mind the 90 days is simply an eligibility to receive no guarantee of receiving a CLI.

+1

As of 2017, rebuilding...
Message 10 of 11