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Mega Contributor
Creditaddict
Posts: 19,600
Registered: ‎10-23-2007
0

Discover and Util and CLI

I used my Discover Business card for BT and today paid all but about 17% util on it.  how long should I wait with the new lower balance before asking for CLI?

and is discover one of the banks that takes love button away when you don't qualify? because I don't see it anywhere. 

Fico Scores: EQ 657 Cabelas, TU 662 Walmart, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Express $300
Over 40 Cards in between :smileytongue:
Established Contributor
bamagirl1
Posts: 1,044
Registered: ‎12-30-2007
0

Re: Discover and Util and CLI

not sure i'd be interested in finding out this answer also but my card is not a business card though
~01/2008 Ficos TU 571-EX 647-EQ 652~
~3/21/2009 Ficos TU 705 EX 702 EQ 692~
~9/9/09 Ficos TU 718 EQ 693 EX???
~06/25/12 Ficos TU 719 EQ 677 EX??
Established Contributor
FaircreditguyFL
Posts: 665
Registered: ‎03-31-2007

Re: Discover and Util and CLI

You can call for increase but I haven't seen a Luv Button with Discover.
Established Contributor
fevmlo
Posts: 640
Registered: ‎03-28-2008
0

Re: Discover and Util and CLI

Not sure if it works the same for business cards, but with the personal cards there's no button on the site to request a CLI - but you may get the option to request a CLI when you press option 5 on their automated menu when you call. Doesn't work for me - I get the message to press 5 for various options (one of which is to request a CLI), but then that menu only has things like 'press 1 if your card is worn out and you'd like to order a replacement, press 2 if blah blah blah' - something like that. 

 

I've only had my card 4 months though, so I'm not surprised the option's not available. Sounds like people have  more luck after the six month mark. How long have you had the card? 

EQ: 723 / TU: 760 (August 2009)
Mega Contributor
Creditaddict
Posts: 19,600
Registered: ‎10-23-2007
0

Re: Discover and Util and CLI

well based on my balance and my payments, I should be right around the 6 month mark... I will wait until next week when payment clears and try the automated thing
Fico Scores: EQ 657 Cabelas, TU 662 Walmart, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Express $300
Over 40 Cards in between :smileytongue:
Established Contributor
woopah
Posts: 721
Registered: ‎03-15-2008
0

Re: Discover and Util and CLI

I received an automatic CLI, I didn't ask for one, when my util went down.  My balance was down to just under $1500 from the high of 4837.60, 85% util, also due to BT's.  The auto CLI was in April or May.  Then in Beginning of December I called in and asked for a $1200 CLI through the automated system.  I got that as well. 

 

At the beginning of the year my CL was $5700, now it's $8K.  And I like that even number a lot more.

4/16/09: TU: 775, EQ: 805
2/11/09: TU: 773, EQ: 790, EX:790
11/16/08: TU: 773, EQ: 785, EX: 780
Goals for 2009: 0 Credit Card Debt & 0% Util (achieved 2/6/09), Mortgage! (achieved 11/2/09), getting closer to 800 scores (I crossed this earlier this year, but I'm sure I'm not there anymore!)
New Contributor
jedijennifer
Posts: 68
Registered: ‎04-08-2008
0

Re: Discover and Util and CLI

Discover card doesn't have a luv button on the site. You have to call for a CLI.
---------------------------------------
GOALS:
2009: lower utilization, sell current house (moving to fiancee's house), 700 Club
2010: less than 3% utilization, car loan
2012: buy a farm
FICO 1/16/09: TU: 690 EQ: 635 EX: 659

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