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Regular Contributor
Posts: 204
Registered: ‎08-03-2010
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Discover Customer Initiated CLI

[ Edited ]

I had discover for 6 months and there is no auto CLIas far now. Does discover approves customer initiated CLI????. My over all utilization has been 2-6% on all 3 cards. I just carry small balance every month usually less than 4%.

Established Contributor
Posts: 644
Registered: ‎07-29-2010
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Re: Discover Customer Initiated CLI

[ Edited ]

I requested a discover CLI about 3 months and was approved for a $500 increase, but it was a hard inquiry on TU.

Discover IT $35K | FNBO Visa $30K | Cash+ Visa Sig $19.5K | Southwest Premier $16K | Priceline $15K | Citi Forward $14.3K | US Bank Plat $14K | Commerce Bank $13K | CSP $13K | CSR $10K | Sallie Mae World MC $10K | Lowe’s Consumer 10K | BoA Cash Rewards 1-2-3 Sig $7.5K | Fidelity Visa $7K | Citi Double Cash $6.5K | WF Cash Back Visa $5.4K | Capital One Cash Rewards $5K | AMEX BCE $3.9K | Freedom $2.5K | Younkers/Comenity $2.4K | Kohl’s 1.5K | Target $1.4K | EX FICO (from AMEX): 768, TU FICO (from Discover): 797, AAoA: 4.4 years
Senior Contributor
Posts: 3,879
Registered: ‎01-10-2008
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Re: Discover Customer Initiated CLI

Had the card around 18+ mos. before getting a 2k CLI upon request with a HP on TU.  



DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: AFCU, Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover
Regular Contributor
Posts: 192
Registered: ‎07-21-2010
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Re: Discover Customer Initiated CLI

same experience here. HP for a measly $350. However, lately I've been maxing out the card and paying in full every month for a few months. If I don't get a CLI on the card's anniversary, I am gonna toss it in the sock drawer for a few months and see what happens!

Valued Contributor
Posts: 1,413
Registered: ‎04-18-2008
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Re: Discover Customer Initiated CLI

My experience with Discover CLIs has been pretty good. I got the card in 12/08 with a line of $5490. I started using in heavily after a few months and in October of 2009, I called the IVR and got a $2000 increase to $7490; no hard pull. In April of 2010, I had enough in my cash back to get a $50 statement credit, used it and in turn, the very next day I had a $1500 CLI to $8990. Earlier this month when the statement cut and my cash back bonus had credited, I had enough for another $50 statement credit, I used it and the next day again, I had a CLI bringing me to $9890. We use the card a lot--and they seem to like that. YMMV, of course.

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