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Discover Auto-CLI: How does it work?

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Stanic413
Regular Contributor

Re: Discover Auto-CLI: How does it work?

I got auto luv once.  $300 increase after having it for about a year.  I have a luv button but always get the message to call.  I've called twice, three months apart.  First time, not even prompted for HP, just told I wasn't eligible for CLI.  This month, she tried but needed to do an HP.  I declined (gardening) but feel like I'm getting closer since this time they requested an HP.  I can't figure out what to do because I heard they like balances and I've always had one with them.  Trying to keep a positive attitude amongst the auto CLI posts.  Very happy for those that get them and it does give me hope that it could happen to me one day. 

18k10k7.6k10k10k5k5.6k1.7k2k
Federal CU PLOC: $5k
Scores, Dec. 2014- TU: 755 EX: 763 EQ: 757
Last App: 12/8/14. In the garden until Jan 2016, getting "mortgage" ready.
Message 21 of 36
mongstradamus
Super Contributor

Re: Discover Auto-CLI: How does it work?


@Stanic413 wrote:

I got auto luv once.  $300 increase after having it for about a year.  I have a luv button but always get the message to call.  I've called twice, three months apart.  First time, not even prompted for HP, just told I wasn't eligible for CLI.  This month, she tried but needed to do an HP.  I declined (gardening) but feel like I'm getting closer since this time they requested an HP.  I can't figure out what to do because I heard they like balances and I've always had one with them.  Trying to keep a positive attitude amongst the auto CLI posts.  Very happy for those that get them and it does give me hope that it could happen to me one day. 


Its the inconsistency that i find annoying. Am not annoyed at other people getting CLI ,but annoyed that its so hard for me 



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 22 of 36
SomeGuyOnTheWeb
Regular Contributor

Re: Discover Auto-CLI: How does it work?

Well, no auto-CLI for me now that my third statement has cut Smiley Sad

 

And when I click the button to request a CLI, I don't get anything about a SP or HP. It just tells me that my request can't be processed and to call, which I guess is Discover's way of covertly giving me the finger. Not that I'm upset about it, as I don't *need* the CLI.

EQ - 727
TU - 752
EX - 774
Message 23 of 36
codehavoc
Regular Contributor

Re: Discover Auto-CLI: How does it work?

same thing with me, today would be my 3rd month exactly  maybe its after 3 months? tomorrow? lol




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Message 24 of 36
mongstradamus
Super Contributor

Re: Discover Auto-CLI: How does it work?

Problem with discover there is no set policy about their CLI 



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 25 of 36
One7
Valued Contributor

Re: Discover Auto-CLI: How does it work?

My 3rd statement cut 10 days ago... still no auto increase and no luv button option... Smiley Sad

EX 810 EQ 805 TU 792 Diners WEMC 15k Chase United Club VS 15k | Hyatt VS 25k | Ritz VI 5k | Frdm VS 6k | CSP VS 5k | Mariott VS 6k | Amzn VS 16k Citi ExecAA WEMC 18k | TYP VS 7k | Costco VS 9k | Hilton Reserve VS 6k | Best Buy Visa 5k BofA Travel VS 30k | Cash VS 41k | Merrill+ VS 46k Barclay Rwds WMC 6k | Hawaiin WEMC 10k | JetBlue WEMC 8k | Aviator S WEMC 6k Amex Plat: NPSL | BCP 8k | SPG 3k WF Rwds VS 9k | Propel World Amex 25k | Dillards Amex 2k BBVA NBA Amex 10k Cap1 GM WEMC 8k | QS Visa 3k | Saks WEMC 9k NASA 30k Discover It 7k | US Bank Cash+ VS 15k | Flex Perks VS 20k ||| Total Rwds VS 12k | SG Rwds 11k | Walmrt MC 8k | Lowes 17k | Bowflex 9k | J Deere 15k | TJ Max 4k | Care 15k | HDepot 20k | Amzn 5k | PPal Extras 8k | Chvron 10k | Macys 15k | JCrew 18k | Marvel 8k | Stash VS 8k | Cabelas 10k | Statefarm 12k | Nordstrom Visa 10k \\\\Gardening since January////
Message 26 of 36
09Lexie
Moderator Emerita

Re: Discover Auto-CLI: How does it work?


@mongstradamus wrote:

Problem with discover there is no set policy about their CLI 


That's not totally correct.  Accounts are eligible for a CLI every 90 days. Whether it be a sp or you have to obtain one through a hp,  you are still eligible. 

Message 27 of 36
09Lexie
Moderator Emerita

Re: Discover Auto-CLI: How does it work?


@One7 wrote:

My 3rd statement cut 10 days ago... still no auto increase and no luv button option... Smiley Sad


You might have to call in through automated system 

Message 28 of 36
mongstradamus
Super Contributor

Re: Discover Auto-CLI: How does it work?


@09Lexie wrote:

@mongstradamus wrote:

Problem with discover there is no set policy about their CLI 


That's not totally correct.  Accounts are eligible for a CLI every 90 days. Whether it be a sp or you have to obtain one through a hp,  you are still eligible. 


Well maybe to clearer their sp cli policy is set in stone like amex or something like that, i guess would be better way to say it. 



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 29 of 36
Man-Of-Steel
Established Contributor

Re: Discover Auto-CLI: How does it work?

Here is my story with Discover so far.  Note that it took me 6 months to get my first auto increase, not 3 months.

 

My account was opened in May of 2013 with a starting CL of $2000.  In November of 2013, I received an auto CLI that brought my CL up to $2200.  In February of this year, I received another auto CLI that brought my CL up to $2600.  Last month, I received another auto CLI that brought my CL up to $3000, where it currently stands.

 

This card gets light to moderate use.  I carried a balance once or twice during my 0% APR period.  Now, I always pay in full, but I usually let a balance report on each statement.  To give you an idea of how little I use this card, last month I finally passed the $50 cash back threshold (after having the card for a year) and was able to redeem it for statement credit.

 

Reading some of the posts here, I guess I've been pretty lucky with the auto increases. Smiley Happy

Message 30 of 36
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