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Discover CLI's

Frequent Contributor

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!!! Smiley Happy

Meg.

FICO: 4/2016 - TU 841 | EQ 840 | EX 837

FNBO 23,600 | Amex SPG 13,900 | Amex BCP 13,400 | Barclays/Sallie Mae13,000 | Discover IT 12,500 | Lowes 10,000 | PLOC 9,300 | NASA FCU 8,700 | Citi Simplicity 6,200 | BOA Platinum+ 6,000 | Achieva CU 5,500 | Chase CSP 5,000 | Sam's Club 3,000 | Sears 900
Message 11 of 30
Established Contributor

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 |
Message 12 of 30
Frequent Contributor

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: 4/2016 - TU 841 | EQ 840 | EX 837

FNBO 23,600 | Amex SPG 13,900 | Amex BCP 13,400 | Barclays/Sallie Mae13,000 | Discover IT 12,500 | Lowes 10,000 | PLOC 9,300 | NASA FCU 8,700 | Citi Simplicity 6,200 | BOA Platinum+ 6,000 | Achieva CU 5,500 | Chase CSP 5,000 | Sam's Club 3,000 | Sears 900
Message 13 of 30
Frequent Contributor

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.


Smiley Very Happy

Meg.

FICO: 4/2016 - TU 841 | EQ 840 | EX 837

FNBO 23,600 | Amex SPG 13,900 | Amex BCP 13,400 | Barclays/Sallie Mae13,000 | Discover IT 12,500 | Lowes 10,000 | PLOC 9,300 | NASA FCU 8,700 | Citi Simplicity 6,200 | BOA Platinum+ 6,000 | Achieva CU 5,500 | Chase CSP 5,000 | Sam's Club 3,000 | Sears 900
Message 14 of 30
Mega Contributor

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................Smiley Happy

 




EQ FICO 548 3/3/16
Message 15 of 30
Valued Contributor

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
Message 16 of 30
Valued Contributor

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 **
Message 17 of 30
Mega Contributor

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!

 




EQ FICO 548 3/3/16
Message 18 of 30
Mega Contributor

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.

 




EQ FICO 548 3/3/16
Message 19 of 30
Frequent Contributor

Re: Discover CLI's


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

Me 2 Smiley Sad

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
Message 20 of 30