No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Well I just passed the end of the twelfth billing cycle for my Discover card. I don't think Discover is doling out CLI's unless you ask anymore, so:
1) Any point in waiting for a better time to request a CLI? (This is the second consecutive month I billed out a credit balance.)
2) I intend to request this through the telephone system. I am pretty sure I have the option available to me and have had for a while now. (If I don't I am not asking!) When you use that system do you enter the amount of increase you want or the amount you want the new CL to be?
eta: I just pulled TU and EX full reports and see Discover softed me on TU in 08/2009 for AR.
@creditwherecreditisdue wrote:Well I just passed the end of the twelfth billing cycle for my Discover card. I don't think Discover is doling out CLI's unless you ask anymore, so:
1) Any point in waiting for a better time to request a CLI? (This is the second consecutive month I billed out a credit balance.)
2) I intend to request this through the telephone system. I am pretty sure I have the option available to me and have had for a while now. (If I don't I am not asking!) When you use that system do you enter the amount of increase you want or the amount you want the new CL to be?
If I recall correctly (and that's questionable!!!) I had my Discover for a couple of years before I started getting auto CLI's. I never have asked for one. I got my last one in March but they may have changed their CLI protocols since then. I wish I could be of more help. Good luck in your request.
CC interest free as of 8/09
Time can heal all wounds and a low FICO.
"Hello my name is Sandy and I'm a recovering crediholic".
Thanks. That helps some.
I believe it is $12K max for an opening CL and $16K for a maximum they will currently increase to, They seem pretty willing to dole out 20% increases if you've been good. If I can get 25% or so I will be happy.
I have a good APR. I hope I can get this done without triggering an APRI. I can't possibly see what one has to do with the other.
You don't have the request option any longer because either: a) the recency of its use or b) you're already at the max. I am pretty sure I've had it for months now.
Original post edited:
eta: I just pulled TU and EX full reports and see Discover softed me on TU in 08/2009 for AR.
@creditwherecreditisdue wrote:Well I just passed the end of the twelfth billing cycle for my Discover card. I don't think Discover is doling out CLI's unless you ask anymore, so:
1) Any point in waiting for a better time to request a CLI? (This is the second consecutive month I billed out a credit balance.)
2) I intend to request this through the telephone system. I am pretty sure I have the option available to me and have had for a while now. (If I don't I am not asking!) When you use that system do you enter the amount of increase you want or the amount you want the new CL to be?
eta: I just pulled TU and EX full reports and see Discover softed me on TU in 08/2009 for AR.
Message Edited by creditwherecreditisdue on 08-19-2009 01:34 AM
CWCID, every six months seems to be the timeframe for the availability of the automated CLI system (via telephone).
You need to enter the amount of the increase you want, not the total credit line you want.
If the amount you requested is too high for their taste, they will counteroffer, which you can accept and your increased CL posts immediately. If you do not accept, you can be transferred to a CSR for further discussion.
The options for why you want the increase does include "other" as a choice. And they also request your income when you use this system.
By the way, in another thread I indicated some anomalies in Discover's reporting of my account. Two of the instances were, in fact, related to CLIs. (I didn't correlate one event with the other, so that clears up two of those instances for me). I didn't even think of that until you mentioned it in another thread.
Hope this helps!
Carry on...
Perfect. Thank you!
If I remember correctly they are looking for HHI.