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Regular Contributor
Posts: 369
Registered: ‎02-01-2010
0

Re: Discover CLI's

You'll get it. You have way higher limits than I do. My highest CC is 4k although my LOC is 9,800.00.

 

GO FOR IT!!! :smileyhappy:

Meg.

FICO: 03/2015 - TU 768 | EQ 783 | EX 775

FNBO 15,100 | Barclays / Sallie Mae World MC 13,000 | Lowes 10,000 | LOC 9,300 | Amex BCP 7,200 | BOA Platinum+ 6,000 | Amex SPG 5,700 | Achieva CU 5,500 | Discover IT 5,500 | Citi Simplicity 5,200 | Chase CSP 5,000 | Sam's Club 3,000 | Sears 900
Established Contributor
Posts: 869
Registered: ‎07-04-2012
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Re: Discover CLI's


flowfaster wrote:

Now for speculation.  Everyone (without serious baddies) seems to get the $500 at the 6 month mark if you request it.


 

Everyone else that is not part of those everyones, please cry with me.

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Regular Contributor
Posts: 369
Registered: ‎02-01-2010
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Re: Discover CLI's


LS2982 wrote:

flowfaster wrote:

I have had 2 CLI and both have been soft pulls.  The first one was at 6 months for $500 and the next one was for $3000 at the 1 year mark.  So Discover can give some pretty nice soft CLIs.

 

Now for speculation.  Everyone (without serious baddies) seems to get the $500 at the 6 month mark if you request it.


So should I let it go past 6 months and see if I get an auto?

 


6 month CLIs are not automatic....I had my card for 7 months, NO LUV until I called in.

Meg.

FICO: 03/2015 - TU 768 | EQ 783 | EX 775

FNBO 15,100 | Barclays / Sallie Mae World MC 13,000 | Lowes 10,000 | LOC 9,300 | Amex BCP 7,200 | BOA Platinum+ 6,000 | Amex SPG 5,700 | Achieva CU 5,500 | Discover IT 5,500 | Citi Simplicity 5,200 | Chase CSP 5,000 | Sam's Club 3,000 | Sears 900
Regular Contributor
Posts: 369
Registered: ‎02-01-2010
0

Re: Discover CLI's


CruzImperial wrote:

flowfaster wrote:

Now for speculation.  Everyone (without serious baddies) seems to get the $500 at the 6 month mark if you request it.


 

Everyone else that is not part of those everyones, please cry with me.


:smileyvery-happy:

Meg.

FICO: 03/2015 - TU 768 | EQ 783 | EX 775

FNBO 15,100 | Barclays / Sallie Mae World MC 13,000 | Lowes 10,000 | LOC 9,300 | Amex BCP 7,200 | BOA Platinum+ 6,000 | Amex SPG 5,700 | Achieva CU 5,500 | Discover IT 5,500 | Citi Simplicity 5,200 | Chase CSP 5,000 | Sam's Club 3,000 | Sears 900
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Discover CLI's


SpiceIslander wrote:

LS2982 wrote:

flowfaster wrote:

I have had 2 CLI and both have been soft pulls.  The first one was at 6 months for $500 and the next one was for $3000 at the 1 year mark.  So Discover can give some pretty nice soft CLIs.

 

Now for speculation.  Everyone (without serious baddies) seems to get the $500 at the 6 month mark if you request it.


So should I let it go past 6 months and see if I get an auto?

 


6 month CLIs are not automatic....I had my card for 7 months, NO LUV until I called in.


I will call in after a week or so after the 6th statement cut, i know they're not automatic but it would be nice................:smileyhappy:

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
Posts: 1,613
Registered: ‎03-23-2012
0

Re: Discover CLI's

I got an auto CLI in July of $1,500 (from 5k to 6.5k) after only the 3rd statement cut (got the card in April of this year). At the time, I had a balance of $1.3k on the card.

I use the card heavily for the 5% categories and, in turn,make sizable payments 5 days before the due date.

The balance is from an international flight I purchased back in May....which i am currently carrying to take advantage of the 0% intro rate.

I don't remember my score when I apped, but it was around 670ish.

Hope this helps.
AmEx Green NPSL | Amex BCP 16K | Citi Simplicity 10k | Discover IT 9K | Chase Slate 7.5K | Amex Hilton HHonors Surpass 7K | Capital One QuickSilver 6K | Home Depot 5k | Chase Freedom 4.5K | LOC 2.5K
Valued Contributor
Posts: 1,960
Registered: ‎08-13-2007
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Re: Discover CLI's

LS - Discover is strange.

 

If you remember, they started me at $1500, then auto CLI a year later to $2000. Then about a month ago when I changed to the IT card, they increased me with a SP to $5000.00. My TU score was 785 at the time and my util was less than 1%.

 

I asked the rep when I could ask for another CL and she told me every 6 months.

 

So good luck, give them a call as you have nothing to lose with them...

Ray

** Every Card has a Job, and Every Card does its Job **

Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Discover CLI's


frugalQ wrote:
I got an auto CLI in July of $1,500 (from 5k to 6.5k) after only the 3rd statement cut (got the card in April of this year). At the time, I had a balance of $1.3k on the card.

I use the card heavily for the 5% categories and, in turn,make sizable payments 5 days before the due date.

The balance is from an international flight I purchased back in May....which i am currently carrying to take advantage of the 0% intro rate.

I don't remember my score when I apped, but it was around 670ish.

Hope this helps.

They love high usage, I haven't used it a whole lot lately (about $500 a month) with my other cards I have to split usage. Who knows, maybe i'll get lucky!

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Discover CLI's


RockinRay wrote:

LS - Discover is strange.

 

If you remember, they started me at $1500, then auto CLI a year later to $2000. Then about a month ago when I changed to the IT card, they increased me with a SP to $5000.00. My TU score was 785 at the time and my util was less than 1%.

 

I asked the rep when I could ask for another CL and she told me every 6 months.

 

So good luck, give them a call as you have nothing to lose with them...


Thats encouraging...................but I don't think I can have my util. nowhere near 1%, my scores should be right at 700 by then.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Frequent Contributor
Posts: 445
Registered: ‎09-14-2011
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Re: Discover CLI's


webhopper wrote:
They have denied my most recent CLIs... no luv at all from them :smileysad:

Me 2 :smileysad:

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