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Frequent Contributor
isoldmyatlas
Posts: 341
Registered: ‎04-28-2012
0

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: 761 (7/13/14) | EQ: 777 (7/6/14) | EX: 764 (8/10/14)

Cap1 Quicksilver, $4,750 (4/2012); Discover IT, $5,000 (10/2012); Chase Amazon Rewards, $7,600 (10/2012); AMEX Hilton HHonors, $15,000 (11/2012); AMEX Blue Cash Everyday, $10,000 (01/2013); Barclaycard Arrival+, $10,000 (07/13); Chase Hyatt, $7,000 (09/13)
Contributor
teddybearkelli1
Posts: 109
Registered: ‎11-06-2012
0

Re: Discover CLIs

[ Edited ]

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 20k, Walmart Discvr 12k, USAA Plat RA MC 13k, BECU Visa 10k, NFCU NR MC 5k, Sams Discvr 10k, Sportsmans Visa 10k, WF Plat Visa 10k, Paypal Extra MC 10k, BofA Fraternity MC 10k, Sams Credit 10k, USAA World MC 9k, Military Star 8.2k |BOA CR 8k |AMEX Evrdy 8k |Lowes 7.3k | Chase Military Star MC 6k, JCPenneys 5k, Discover IT 5k , Gymboree Visa 4.5k, Sears MC 4k, TJX MC 3.5k, ToysRUS Card 3.5k, Chase Amazon Visa 3k, Home Depot 3k, Citibank Simplicity 4.5k, Amazon Store 2.5k, Fred Meyers Visa 2.5k, Target 2k, Kohls 2k, ITunes Visa 2k, Macys 2k, Barclays Visa 1.7k, Vystar CU Visa 1.5k
Regular Contributor
Awesomely
Posts: 146
Registered: ‎01-26-2011
0

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.

Contributor
teddybearkelli1
Posts: 109
Registered: ‎11-06-2012
0

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 20k, Walmart Discvr 12k, USAA Plat RA MC 13k, BECU Visa 10k, NFCU NR MC 5k, Sams Discvr 10k, Sportsmans Visa 10k, WF Plat Visa 10k, Paypal Extra MC 10k, BofA Fraternity MC 10k, Sams Credit 10k, USAA World MC 9k, Military Star 8.2k |BOA CR 8k |AMEX Evrdy 8k |Lowes 7.3k | Chase Military Star MC 6k, JCPenneys 5k, Discover IT 5k , Gymboree Visa 4.5k, Sears MC 4k, TJX MC 3.5k, ToysRUS Card 3.5k, Chase Amazon Visa 3k, Home Depot 3k, Citibank Simplicity 4.5k, Amazon Store 2.5k, Fred Meyers Visa 2.5k, Target 2k, Kohls 2k, ITunes Visa 2k, Macys 2k, Barclays Visa 1.7k, Vystar CU Visa 1.5k
Senior Contributor
youngandcreditwrthy
Posts: 6,163
Registered: ‎08-16-2012
0

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| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Discover CLIs

Yearmark was today... no auto luv. :smileysad:

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



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
navigatethis12
Posts: 1,916
Registered: ‎01-24-2012
0

Re: Discover CLIs


LS2982 wrote:
Yearmark was today... no auto luv. :smileysad:

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.

Frequent Contributor
WarJar101
Posts: 341
Registered: ‎08-14-2012
0

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!

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)
Valued Member
osudelt00
Posts: 33
Registered: ‎03-29-2013
0

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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Valued Contributor
dodgerslv
Posts: 1,756
Registered: ‎06-16-2012
0

Re: Discover CLIs

[ Edited ]

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).


Cards: (Citi x6) (Chase x5) (US Bank x3) (Amex x3) (Barclays x3) (BofA x2) (Cap1 x2) (WF x2) (Penfed x1) (Discover x1) (Sync/GE x4) (Macys x2)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).






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