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Established Contributor
Posts: 655
Registered: ‎12-12-2012
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Discover CLI letter

I got a letter from Discover saying that I had the option to increase my limit and had 3 options. I could increase 1.5 k, 2k, or not at all. I'm about to call the number and see what happens.

Background: I've tried multiple times to secure a CLI on my Discover Escape card. I only have a 2k limit on that card. Since I get double miles on everything after I upgraded from the Miles, I want to use it much more. I tried for a cli and they said they had to pull my credit. I don't want a hard pull for a cli, so I've declined. I took a survey after declining to move further in the cli application process. I then got this letter.

I will report back with results.

Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward,
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
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Senior Contributor
Posts: 30,749
Registered: ‎02-07-2013
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Re: Discover CLI letter


FutureBillionaire wrote:

I got a letter from Discover saying that I had the option to increase my limit and had 3 options. I could increase 1.5 k, 2k, or not at all. I'm about to call the number and see what happens.

Background: I've tried multiple times to secure a CLI on my Discover Escape card. I only have a 2k limit on that card. Since I get double miles on everything after I upgraded from the Miles, I want to use it much more. I tried for a cli and they said they had to pull my credit. I don't want a hard pull for a cli, so I've declined. I took a survey after declining to move further in the cli application process. I then got this letter.

I will report back with results.


Good luck that's a interesting letter you got....Hummm

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
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Posts: 27,204
Registered: ‎09-13-2012
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Re: Discover CLI letter

Established Contributor
Posts: 655
Registered: ‎12-12-2012
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Re: Discover CLI letter

The letter was legit.  I called the number and spoke to a Discover rep. She looked up the offer and I told her I chose option number 2.  She put me on hold and said that she needed to do a soft pull and look at my debt to income ratio. She came back on the phone and stated that I had not been late and had been making large payments and paying off my card. She gave me the system recommended increase.  I'm sure I could have gotten more if I didn't already have so much available credit.  

 

My limit doubled to 4k.  While I wish I had more available, I think I'm good with that for now.  If you haven't had luck with Discover, make sure you fill out one of their surveys and let them know about it. I'm sure that's what prompted the letter I received.

Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward,
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
Moderator
Posts: 27,204
Registered: ‎09-13-2012
0

Re: Discover CLI letter

Established Contributor
Posts: 655
Registered: ‎12-12-2012
0

Re: Discover CLI letter


09Lexie wrote:
Congrats. This was on your Discover Escape Cc?

Yes. I recently started spending much more on the card due to my time in the flyertalk forum.  I needed to get double miles on all of my purchases, so I upgraded to the Miles. I needed more breathing room with my credit limit. I'm pleased.

Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward,
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
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Moderator
Posts: 27,204
Registered: ‎09-13-2012
0

Re: Discover CLI letter

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