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Discover CLI 6 months/statement question

Established Contributor

Discover CLI 6 months/statement question

So I opened my Discover account 4/11/12. I've read that you can request a CLI after 6 months. I had changed my min payment due date from the original 11th (i think) to my  current min due date which is the 3rd every month. So now my statement cuts the 4th, which is tonight.

 

I've chatted online, and they said I can request a CLI tomorrow. Another said I can request it on 10/11/12. Then another said I can request one in November. Now, I see some say they requested after 6 months, other say 6th statement. Even if I wait until 10/11/12, I'll still only have 5 statements generated. I'd have to wait for another month to get the 6th statement.

 

Normally I wouldn't micromanage to this extent but I want to apply for CSP as I am taking a trip abroad and want to purchase the plane ticket with the CSP. So any insight would be appreciated. Thanks

AMEX: $0/$25,000, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$6000, Barclays NFL: $0/$7000 Discover: $0/$14,000, Citi Dividend: $0/$3500

EQ FICO - 728
TU FICO - 743
EX FICO(AMEX) - 712
8 REPLIES
Epic Contributor

Re: Discover CLI 6 months/statement question


SwiftTone wrote:

So I opened my Discover account 4/11/12. I've read that you can request a CLI after 6 months. I had changed my min payment due date from the original 11th (i think) to my  current min due date which is the 3rd every month. So now my statement cuts the 4th, which is tonight.

 

I've chatted online, and they said I can request a CLI tomorrow. Another said I can request it on 10/11/12. Then another said I can request one in November. Now, I see some say they requested after 6 months, other say 6th statement. Even if I wait until 10/11/12, I'll still only have 5 statements generated. I'd have to wait for another month to get the 6th statement.

 

Normally I wouldn't micromanage to this extent but I want to apply for CSP as I am taking a trip abroad and want to purchase the plane ticket with the CSP. So any insight would be appreciated. Thanks


I thought CLI were SP unless you want to get more than what computer offers?

Are you waiting for the Chase app based on another HP showing? isn't Chase EX and Discover EQ?

Established Contributor

Re: Discover CLI 6 months/statement question


Creditaddict wrote:

SwiftTone wrote:

So I opened my Discover account 4/11/12. I've read that you can request a CLI after 6 months. I had changed my min payment due date from the original 11th (i think) to my  current min due date which is the 3rd every month. So now my statement cuts the 4th, which is tonight.

 

I've chatted online, and they said I can request a CLI tomorrow. Another said I can request it on 10/11/12. Then another said I can request one in November. Now, I see some say they requested after 6 months, other say 6th statement. Even if I wait until 10/11/12, I'll still only have 5 statements generated. I'd have to wait for another month to get the 6th statement.

 

Normally I wouldn't micromanage to this extent but I want to apply for CSP as I am taking a trip abroad and want to purchase the plane ticket with the CSP. So any insight would be appreciated. Thanks


I thought CLI were SP unless you want to get more than what computer offers?

Are you waiting for the Chase app based on another HP showing? isn't Chase EX and Discover EQ?


I don't think my question was clear.

Do they allow customer initiated CLI after the 5th statement which is generated at the 6 months mark, or do they do it at the 6th statement which is generated on the 7th month mark?

AMEX: $0/$25,000, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$6000, Barclays NFL: $0/$7000 Discover: $0/$14,000, Citi Dividend: $0/$3500

EQ FICO - 728
TU FICO - 743
EX FICO(AMEX) - 712
Valued Contributor

Re: Discover CLI 6 months/statement question


SwiftTone wrote:

Creditaddict wrote:

SwiftTone wrote:

So I opened my Discover account 4/11/12. I've read that you can request a CLI after 6 months. I had changed my min payment due date from the original 11th (i think) to my  current min due date which is the 3rd every month. So now my statement cuts the 4th, which is tonight.

 

I've chatted online, and they said I can request a CLI tomorrow. Another said I can request it on 10/11/12. Then another said I can request one in November. Now, I see some say they requested after 6 months, other say 6th statement. Even if I wait until 10/11/12, I'll still only have 5 statements generated. I'd have to wait for another month to get the 6th statement.

 

Normally I wouldn't micromanage to this extent but I want to apply for CSP as I am taking a trip abroad and want to purchase the plane ticket with the CSP. So any insight would be appreciated. Thanks


I thought CLI were SP unless you want to get more than what computer offers?

Are you waiting for the Chase app based on another HP showing? isn't Chase EX and Discover EQ?


I don't think my question was clear.

Do they allow customer initiated CLI after the 5th statement which is generated at the 6 months mark, or do they do it at the 6th statement which is generated on the 7th month mark?


Usually Discover gives you auto CLIs within 6 months of opening the account...you can certainly call tho and request an increase if you've already reached your 6th statement!

 

As of 2017, rebuilding...
Established Contributor

Re: Discover CLI 6 months/statement question

If you click the button too early, you just get a message saying you are not eligible. It doesn't pull anything. So if you click tomorrow and it goes through, it goes through. If it doesn't, try the 11th. If it still doesn't, try 11/1.

 

Or you could wait until 11/1 to see if you get an auto CLI in the interim.

 

But either way, acting too early won't force you to wait longer than you would have any way.

In wallet: Ink Plus 10k, AMEX TE 25k. In bag: CSP 16k, USAA WMC 15k, Hyatt 13k, United MPE 12k, AMEX HHonors 3k. In SD: Cap 1 QS 5k, Discover IT 7k. FICO 08 says my EQ is now 844, was 510 in 2010.
Frequent Contributor

Re: Discover CLI 6 months/statement question


Cdnewmanpac wrote:

If you click the button too early, you just get a message saying you are not eligible. It doesn't pull anything. So if you click tomorrow and it goes through, it goes through. If it doesn't, try the 11th. If it still doesn't, try 11/1.

 

Or you could wait until 11/1 to see if you get an auto CLI in the interim.

 

But either way, acting too early won't force you to wait longer than you would have any way.


I have clicked the button too early several times, and each time it has soft pulled my report AND pushed a mid-cycle update to the bureaus.

Established Contributor

Re: Discover CLI 6 months/statement question

question: im coming up on my 6th statement.  DO i need to pay my card down? Im at about 50% util and I want a CLI.  what is the best tactic to get a cli with discover?

Amex Delta Gold 1.5K Amex HH 2k Amex PRG NPSL, AMEX BCE 2k, BOA Cash Rewards 1k, Barclay Jet Blue WMC 7K, Chase Freedom 16.5K Chase Southwest Premier Plus 7K Chase United Explorer 20.5K Chase Marriott 11K , Amazon Visa 3.5k, Discover $7K Gap Visa $8.5K; Walmart MasterCard 7.5K Sam's Club MC 9.5K Venture $15K Venture One 10K Quicksilver Visa Siggy 5K, Citi Shell MC 2k, Total Rewards Visa 4.2K Fuel Rewards MC 3K CITI AA Gold WEMC 8.4K Paypal Extras MC 8K, Citi Diamond WEMC 3.5K, Cit DC WEMC 3k, Citi Hilton Visa Siggy 8k.
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Established Contributor

Re: Discover CLI 6 months/statement question


texasman07 wrote:

question: im coming up on my 6th statement.  DO i need to pay my card down? Im at about 50% util and I want a CLI.  what is the best tactic to get a cli with discover?



I would pay it down.

AMEX: $0/$25,000, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$6000, Barclays NFL: $0/$7000 Discover: $0/$14,000, Citi Dividend: $0/$3500

EQ FICO - 728
TU FICO - 743
EX FICO(AMEX) - 712
Established Contributor

Re: Discover CLI 6 months/statement question

So I just tried today to get the CLI and they're giving me the after the six month speech. They said that I have to wait until the account cycles again AFTER the 6th month.

AMEX: $0/$25,000, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$6000, Barclays NFL: $0/$7000 Discover: $0/$14,000, Citi Dividend: $0/$3500

EQ FICO - 728
TU FICO - 743
EX FICO(AMEX) - 712