Reply
Established Contributor
Posts: 511
Registered: ‎02-27-2012
0

Discover CLI when to ask ??

Hello All,

I got my discover more back in Nov 2011 at the time I got approved for $1000. At the 6 month mark I got a CLI to $1250. At 9 months I called in and they raised it to $6750. This month they increased it again themselves to an even $7000. So after how long can you call in and ask for another CLI, I mean so at 9 months I asked when I ask for another increase. Can I ask after the Oct statement cuts ?? That would be a full 12 months ??....
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Discover CLI when to ask ??

Those are some nice increases! Congrats!!

I would just call in and ask, they are very easy to work with at Discover.



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: 2,110
Registered: ‎12-29-2011
0

Re: Discover CLI when to ask ??

I would just wait until next year to request a CLI. You have a nice limit right now.

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Established Contributor
Posts: 985
Registered: ‎09-10-2012
0

Re: Discover CLI when to ask ??

wow....those are some really nice increases! I just got approved for the discover more card last week for 1500.00 and was wondering how they are with cli's when the time comes. Did they automatically increase you the the first time? I have a feeling the dicover card will be my favorite of all.......it's my only reward card!

 

TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Established Contributor
Posts: 511
Registered: ‎02-27-2012
0

Re: Discover CLI when to ask ??

They increased it to $1250 themselves....and then they did it again themselves from 6750 to 7000....
Established Contributor
Posts: 631
Registered: ‎07-29-2010
0

Re: Discover CLI when to ask ??

It used to be every 6 months, but I was told by a Discover credit analyst that that rule is now gone and there is no waiting period between CLI's anymore.

Discover IT $25K | FNBO Visa $22K | Citi Forward $14.5K | US Bank Cash+ Visa Sig $15K | Priceline/Barclays $10K | Chase Freedom $10.5K | Amazon/Chase Visa Sig $8.3k | Citi Double Cash $6.5K | BoA Cash Rewards 1-2-3 Sig $7.5K | Sallie Mae World MC/Barclays $5K | Capital One Cash Rewards $5K | Commerce Bank $5K | WF Cash Back Visa $3.6K | Amazon/GEMB $2.5K | Younkers/Comenity $2.4K | AMEX BCE $2K Target $1K | AMEX Green
EX FICO (from AMEX): 754, TU08 FICO (from Discover): 755, AAoA: 3.6 years
Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: Discover CLI when to ask ??


youngman1234 wrote:
They increased it to $1250 themselves....and then they did it again themselves from 6750 to 7000....

how did you used it ?? Did u used them heavy ??


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Established Contributor
Posts: 657
Registered: ‎06-27-2012
0

Re: Discover CLI when to ask ??

Those are nice cli's I wouldn't ask for more from them right now.  They are very conservative with C.L's so nice job

 .

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Established Contributor
Posts: 511
Registered: ‎02-27-2012
0

Re: Discover CLI when to ask ??

I have charged almost 25-26k through the card so far this year and PIF, before the statements cut. I use it for everything, I read that with discover if you use heavy and pay on time they don't mind giving you increases. I hoping to get it to 15k by dec. That would be great.
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Discover CLI when to ask ??

I'm hoping they get me in the 5k range in a year or so, I use it frequently.



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
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.