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Discover CLIs

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Frequent Contributor

Discover CLIs

1 month from now is my 6 month point with Discover.  I know they do auto CLIs but that they usually arent that big, and if you ask for a large one they'll generally say its a HP.  I know they pull TU/EQ, which is great for me since I barely have any INQs on those: come April, it will be 1 w/i the past year on TU, and 2 w/i the past year on EQ.

 

So I'm thinking if Discover asked to do a HP, I would let them do it.  But what should I ask for?  My limits are in my siggy, but for all the mobile users out there, I'll post them here too.

 

Cap1 $750, AMEX Green NPSL, Discover IT $3000, Chase Amazon $1100, AMEX Hilton HHonors $4000, AMEX BCE $4000, Chase Southwest $6500

TU: 771 (7/17/17) | EQ: 787 (7/17/17) | EX: 792 (7/17/17)

Cap1 Quicksilver, $4,750 (4/2012); Discover IT, $34,000 (10/2012); Chase Amazon Rewards, $14,600 (10/2012); AMEX Hilton HHonors, $15,000 (11/2012); AMEX Blue Cash Everyday, $15,000 (01/2013); Barclaycard Arrival+, $10,000 (07/2013)
Message 1 of 20
19 REPLIES
Contributor

Re: Discover CLIs

I would ask for max possible, no harm no foul, worse case scenario they will counter offer. If it were me, I'd ask them to match my highest limit of $6500 (from your siggy). Knowing Discover, they will not match, but no harm in atleast trying. Worse case scenario, they come back and say sorry we can only give you "x".

FICO scores: 790 (EQ) 786 (EX) 796 (TU) |
My Wallet:NFCU CR Visa 24k, AMEX Delta Gd 18k, Walmart Discvr 12k, USAA Plat RA MC 13k, BECU Visa 13k, NFCU NR MC 10k, Sams Discvr 10k, Sportsmans Visa 11.5k, WF Plat Visa 10k, Paypal Extra MC 10k, BofA Fraternity MC 14k, Sams Credit 10k, USAA World MC 9k, Military Star 8.2k |BOA CR 8k |AMEX Evrdy 8k |Lowes 7.3k | Chase Military Star MC 16k, JCPenneys MC 7k, Discover IT 5k , Gymboree Visa 4.5k, Sears MC 4k, TJX MC 3.5k, ToysRUS MC 5k, Chase Amazon Visa 3k, Home Depot 3k, Citibank Simplicity 6.5k, Fred Meyers Visa 2.5k, Target 2k, Kohls 2k, ITunes Visa 5k, Macys 2k, Vystar CU Visa 5k
Message 2 of 20
Regular Contributor

Re: Discover CLIs

What' the max CLI that discover gives? I have a $2,250 More card and have been with them for 4 years now, I hope to get at least a $2,750 CLI to get to get to $5,000 so I can apply for the Sapphire Preferred. Scores over 800 also.

Message 3 of 20
Contributor

Re: Discover CLIs

I have never heard of a set max for a CLI.  Each individual is looked at separately based on their individual whole credit picture. If your situation can support a huge CLI, they will give it. I really don't think there is a set cap, but others may chime in if they know otherwise.

FICO scores: 790 (EQ) 786 (EX) 796 (TU) |
My Wallet:NFCU CR Visa 24k, AMEX Delta Gd 18k, Walmart Discvr 12k, USAA Plat RA MC 13k, BECU Visa 13k, NFCU NR MC 10k, Sams Discvr 10k, Sportsmans Visa 11.5k, WF Plat Visa 10k, Paypal Extra MC 10k, BofA Fraternity MC 14k, Sams Credit 10k, USAA World MC 9k, Military Star 8.2k |BOA CR 8k |AMEX Evrdy 8k |Lowes 7.3k | Chase Military Star MC 16k, JCPenneys MC 7k, Discover IT 5k , Gymboree Visa 4.5k, Sears MC 4k, TJX MC 3.5k, ToysRUS MC 5k, Chase Amazon Visa 3k, Home Depot 3k, Citibank Simplicity 6.5k, Fred Meyers Visa 2.5k, Target 2k, Kohls 2k, ITunes Visa 5k, Macys 2k, Vystar CU Visa 5k
Message 4 of 20
Senior Contributor

Re: Discover CLIs

If you're going to take a HP , I'd request $10k.
If the rep asks why, say you'd like to use the card more-that simple!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 5 of 20
Mega Contributor

Re: Discover CLIs

Yearmark was today... no auto luv. Smiley Sad

I am so disappointed with discover. I feel like SDing It.



EQ FICO 548 3/3/16
Message 6 of 20
Valued Contributor

Re: Discover CLIs


LS2982 wrote:
Yearmark was today... no auto luv. Smiley Sad

I am so disappointed with discover. I feel like SDing It.

I haven't gotten an automated increase either, though I don't use the card at all. I reckon it's just hit and miss with them. My mom has one at 13000 from 1985 and I believe it has never gotten any automated increases, and she never asks for increases on her cards either.

Message 7 of 20
Frequent Contributor

Re: Discover CLIs

That's a YCW excuse for sure, lol...go for the max amout possible. Put some base in your voice when you call them too, let 'em know that you mean business!

Rebuilding...been out of the game for a minute. Now, after suffering I'm back with greater wisdom. Scores: Currently @ around 6 teens to 20's, across all three EQ,TU, EX
Message 8 of 20
Valued Member

Re: Discover CLIs

Add me to the list.. My limit is $1,200 and I have been with them a year as of yesterday. I called to inquire for a cli as the love button didn't work and they denied me.. They stated I would get a letter in the mail. I can't say I am surprised due to I don't use the card all too often. I have read on this board that you use it a lot to get their attention, but they are definitely hit or miss. 


Starting Score: 550
Current Score EQ: 688 Sep/7/13
Current Score TU: 686 Sep/7/13
Goal Score: 720


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Message 9 of 20
Valued Contributor

Re: Discover CLIs

I got denied for a CLI via SP also but declined the HP. I am waiting for my Cap1 new limit to update and i think i am going to call them request increase to 5000 (via HP of course) . You guys think that is not asking for the moon? My TU is at 712 (from Discover) with a 51 dollar paid collection from 2011 with only 4 INQ (last one back in October 2012).

gardening since 5/21/2016
Message 10 of 20