Reply
Frequent Contributor
MrCredit
Posts: 422
Registered: ‎11-13-2008

Discover Card CLI

Can anybody give me some feedback on recommendations to get a Discover CLI? I have had my card for a year now always PIF and I still have a $1k limit. Scores are in the 650 range. I have tried but they want a full app to pull a bureau. I never see any softs on my bureaus from them. Can anybody recommend what kind of activities to perform with the card that would urge them to increase the limit.  I have never went over 50% util
PSECU Visa $20,000, Amex SPG $1,000, (What a joke!) Amex Platinum NPSL, PSECU LOC $20,000, BOA Amex $18,500,Fidelity Rewards Amex $10,000, Fidelity Rewards Visa Sig $7,500, Citi Diamond Preferred MC $8,300, Citi AA Advantage $8,500, WF Plat $10,000, Chase Sapphire Preferred $19,000, Chase Marriott Rewards $17,000, Lowes $10,000 (For the life of me they wont go above this),Kohls Charge $1,000
Senior Contributor
score_building
Posts: 3,513
Registered: ‎01-10-2008

Re: Discover Card CLI

1. get your scores up over 720 (when i researched their card offeringssome time ago i found they routinely deny applicants in your current score range.)

 

they also look closely at income and DTI from what i understand.

FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)
Frequent Contributor
MrCredit
Posts: 422
Registered: ‎11-13-2008

Re: Discover Card CLI

I had a 705 EQ when i got it, some baddies came back on my file medical collections... etc. I had a CH 13 4 years ago and had to get the card via talking to a girl in recon. It turns out a little sweet talk goes a long way. :smileyhappy:
PSECU Visa $20,000, Amex SPG $1,000, (What a joke!) Amex Platinum NPSL, PSECU LOC $20,000, BOA Amex $18,500,Fidelity Rewards Amex $10,000, Fidelity Rewards Visa Sig $7,500, Citi Diamond Preferred MC $8,300, Citi AA Advantage $8,500, WF Plat $10,000, Chase Sapphire Preferred $19,000, Chase Marriott Rewards $17,000, Lowes $10,000 (For the life of me they wont go above this),Kohls Charge $1,000
Frequent Contributor
MrCredit
Posts: 422
Registered: ‎11-13-2008

Re: Discover Card CLI

They would only be going off of the bureau when i applied, they have not pulled a soft on all three.
PSECU Visa $20,000, Amex SPG $1,000, (What a joke!) Amex Platinum NPSL, PSECU LOC $20,000, BOA Amex $18,500,Fidelity Rewards Amex $10,000, Fidelity Rewards Visa Sig $7,500, Citi Diamond Preferred MC $8,300, Citi AA Advantage $8,500, WF Plat $10,000, Chase Sapphire Preferred $19,000, Chase Marriott Rewards $17,000, Lowes $10,000 (For the life of me they wont go above this),Kohls Charge $1,000
Valued Contributor
stef37
Posts: 2,205
Registered: ‎12-06-2007

Re: Discover Card CLI

I opened my account in March and the only soft I see is on my TU for Novemeber and it was before I called the automated line for an increase.

 

They do like to see some use and payment history. I am sure the income and scores factor in, but my income is nothing to brag about so I do expect to hit their ceiling soon. My FICO's are all over 700. (TU is at 766)

 

Maybe call and ask what you can do to be eligible for an increase, so you can know for sure. The CSR's have always been helpful when I have called for anything.

Frequent Contributor
MrCredit
Posts: 422
Registered: ‎11-13-2008

Re: Discover Card CLI

I wonder if it matters the amount you put in for a request. I used the automated system and asked for $200. 20% of my CL. I wonder if I should call and try again and put like 100.... everytime I have done it in the past "We need more information to approve your request" and then it transfers me to a rep, I hang up before that...
PSECU Visa $20,000, Amex SPG $1,000, (What a joke!) Amex Platinum NPSL, PSECU LOC $20,000, BOA Amex $18,500,Fidelity Rewards Amex $10,000, Fidelity Rewards Visa Sig $7,500, Citi Diamond Preferred MC $8,300, Citi AA Advantage $8,500, WF Plat $10,000, Chase Sapphire Preferred $19,000, Chase Marriott Rewards $17,000, Lowes $10,000 (For the life of me they wont go above this),Kohls Charge $1,000
Moderator Emeritus
cheddar
Posts: 6,794
Registered: ‎09-29-2007

Re: Discover Card CLI


MrCredit wrote:
I wonder if it matters the amount you put in for a request. I used the automated system and asked for $200. 20% of my CL. I wonder if I should call and try again and put like 100.... everytime I have done it in the past "We need more information to approve your request" and then it transfers me to a rep, I hang up before that...

 

Why do you hang up?  You can't complain about not getting a CLI if you won't even see the request procedure through to the end.

 

----------------------------
App free since 7/11/08.
TU 744 / EX 710 / EQ 694 (Starting to slip. :smileysurprised: )
Frequent Contributor
MrCredit
Posts: 422
Registered: ‎11-13-2008

Re: Discover Card CLI

Because I dont want a hard pull. I was just seeing if they will allow a CLI with a soft., if you give full app they will pull a hard on EX.
PSECU Visa $20,000, Amex SPG $1,000, (What a joke!) Amex Platinum NPSL, PSECU LOC $20,000, BOA Amex $18,500,Fidelity Rewards Amex $10,000, Fidelity Rewards Visa Sig $7,500, Citi Diamond Preferred MC $8,300, Citi AA Advantage $8,500, WF Plat $10,000, Chase Sapphire Preferred $19,000, Chase Marriott Rewards $17,000, Lowes $10,000 (For the life of me they wont go above this),Kohls Charge $1,000
Frequent Contributor
MrCredit
Posts: 422
Registered: ‎11-13-2008

Re: Discover Card CLI

When you get transferred to a rep=Full app
PSECU Visa $20,000, Amex SPG $1,000, (What a joke!) Amex Platinum NPSL, PSECU LOC $20,000, BOA Amex $18,500,Fidelity Rewards Amex $10,000, Fidelity Rewards Visa Sig $7,500, Citi Diamond Preferred MC $8,300, Citi AA Advantage $8,500, WF Plat $10,000, Chase Sapphire Preferred $19,000, Chase Marriott Rewards $17,000, Lowes $10,000 (For the life of me they wont go above this),Kohls Charge $1,000
Moderator Emeritus
cheddar
Posts: 6,794
Registered: ‎09-29-2007

Re: Discover Card CLI


MrCredit wrote:
When you get transferred to a rep=Full app

 

That is not a hard and fast rule with Discover.  They do soft pull CLIs through reps, too.

 

----------------------------
App free since 7/11/08.
TU 744 / EX 710 / EQ 694 (Starting to slip. :smileysurprised: )

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+