Discover CLI

[mab463]

So I'm about done with my 2nd month with Discover IT and was hoping to know people's experiences with an auto CLI at 3 months. I'll request it if I have to, but this $750 limit is getting silly. I pay 2-3x a month and always have a small balance when the statement cuts which I then promptly PIF.

[tonyjones]

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@mab463 wrote:

So I'm about done with my 2nd month with Discover IT and was hoping to know people's experiences with an auto CLI at 3 months. I'll request it if I have to, but this $750 limit is getting silly. I pay 2-3x a month and always have a small balance when the statement cuts which I then promptly PIF.

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There is no auto CLI especially for someone with a low CL. It will cost you a HP.

[myjourney]

I've had 3 auto CLI's 

4 months 7 months and 1 year and I barely use the card other than when the 5% gas rolls around

[mab463]

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@myjourney wrote:

I've had 3 auto CLI's 

4 months 7 months and 1 year and I barely use the card other than when the 5% gas rolls around

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Did you start with a CL on the lower end? My FICO TU is pretty good. I think the low limit was due to only 6 months of my own credit and the rest as an authorized user.

[myjourney]

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@mab463 wrote:

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@myjourney wrote:

I've had 3 auto CLI's 

4 months 7 months and 1 year and I barely use the card other than when the 5% gas rolls around

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Did you start with a CL on the lower end? My FICO TU is pretty good. I think the low limit was due to only 6 months of my own credit and the rest as an authorized user.

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I was actually shocked at the limit I was started at $1200...... but it was the last card in a spree so I took that as a possible cause since I had two spree's in the course of 6 months. IIRC 8 cards in that time span

At the time it was my lowest but has grown nicely with all auto CLI's in the span of a year.

[GlocksAndCredit]

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@mab463 wrote:

So I'm about done with my 2nd month with Discover IT and was hoping to know people's experiences with an auto CLI at 3 months. I'll request it if I have to, but this $750 limit is getting silly. I pay 2-3x a month and always have a small balance when the statement cuts which I then promptly PIF.

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In my experience - I started with a $500 student Discover More card. 

After 6 months it was bumped to $750

12 months $1000

24 months, $1500. I'm stuck at $1500 now after having the card 2.5 years. 

[lg8302ch]

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@tonyjones wrote:

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@mab463 wrote:

So I'm about done with my 2nd month with Discover IT and was hoping to know people's experiences with an auto CLI at 3 months. I'll request it if I have to, but this $750 limit is getting silly. I pay 2-3x a month and always have a small balance when the statement cuts which I then promptly PIF.

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There is no auto CLI especially for someone with a low CL. It will cost you a HP.

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@I disagree...but it is a YMMV thing. Chances @3 months for auto-CLI or CLI with SP are slim but hey we have read examples here....so wait until your statement cuts and then you can try the luv button as it will ask permission in case it is a HP. Don't get frustrated if it does not work after 3 months. It has taken me 15 months for my first CLI and then I got another one 3 months later...so it can grow rather fast once it moves. (My Discover journey 2,5K - 15 months - 5K - 3 months - 7,5K)  Good luck!

[techiegirl]

I've had 3 auto CLI's with my 15 month old Discover IT card. My CL has gone from 6000 to 7500 at $500 increments each. DH has had his card since 2009 and only receives CLI's when he asks for them. 

[Anonymous]

I'm crossing me fingers, hoping the auto CLI as well.  Approaching my 3rd full month...

[DFStudent]

I think it might be in your best interest to just wait for auto CLI, if that happens to you... It's too soon for an increase IMO.