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Discover CLI question

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Jaylima91
Established Contributor

Discover CLI question

So I just requested  a CLI on my Discover card. On a SP they granted $1k increase. I declined. If I call them and request a HP CLI do you think I would get something larger than $1k? Suggestions are appreciated. Thanks

Message 1 of 15
14 REPLIES 14
Anonymous
Not applicable

Re: Discover CLI question

Take the 1k and then hit it again in 2-3 weeks.  Why take a HP when they're giving away multiple sp cli's so easily?

Message 2 of 15
Anonymous
Not applicable

Re: Discover CLI question

You should have seen that statement just below your 1k approval.  They will ask if you would rather a different cli with an HP.  You could get one.  I never tried.  Always took the 1k since it's every 17 days for me.

 

Message 3 of 15
Jaylima91
Established Contributor

Re: Discover CLI question

Wait a minute! (Kevin Hart Voice) You mean to tell me that Discover is allowing people to request CLI every 2-3 weeks?

Message 4 of 15
Anonymous
Not applicable

Re: Discover CLI question

Yes...its been going on for over a month now.
Message 5 of 15
Anonymous
Not applicable

Re: Discover CLI question

I just tried it and got insta-denied. How long do they usually want the account to be open before granting CLI's? 

Message 6 of 15
dman23
Frequent Contributor

Re: Discover CLI question

I just tried it and received a $1,500 cli. I've had the card a year with an $1,100 cl. Received an automatic $400 increase 3 days ago.

Didn't realize the cli request would only be a soft pull or I would have requested one sooner.

myFico Score Experian: Start (4/21/14) 626 Current (5/7/16) 841
myFico Score Equifax: Start (4/30/14) 694 Current (5/6/16) 838
myFico Score Transunion Start (5/01/2014) 727 Current (5/7/16) 842
Discover (4/24/14) 659 (5/5/16) 842
Message 7 of 15
CarbonCard
Established Contributor

Re: Discover CLI question


@dman23 wrote:

I just tried it and received a $1,500 cli. I've had the card a year with an $1,100 cl. Received an automatic $400 increase 3 days ago.

Didn't realize the cli request would only be a soft pull or I would have requested one sooner.


When you tried to CLI, did they ask for your permission to pull your credit and your phone number?

Starting Score: (1/15)TU: 690 EX: 690 EQ: 711
Current Score: (10/18) TU-8: 813 EX-8: 808 EQ: 797
Goal Score: (7/20) 800+ for all three bureaus

Take the myFICO Fitness Challenge
Message 8 of 15
Anonymous
Not applicable

Re: Discover CLI question


@Jaylima91 wrote:

Wait a minute! (Kevin Hart Voice) You mean to tell me that Discover is allowing people to request CLI every 2-3 weeks?


3.30 - $1K

4.15 - $1K

5.1 - $1K

5.17 - $1K

Message 9 of 15
Anonymous
Not applicable

Re: Discover CLI question

Had my card under 6 months.  Started at 5.5 & now up to 9.2.  Smiley Wink  Hoping for a nice 15k limit down the road.

 

Message 10 of 15
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