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Regular Contributor
720ismygoal
Posts: 169
Registered: ‎05-16-2011

Discover initial CLI?

I've had my Discover for 6 months now and i want to request a CLI. i see the link on the sebsite to do so, but it says that it does work and to please call the 1-800 number. I need some input, should i wait and see if i can an auto or should i call and request?  started with $1000 and a bump. thanks in advance!

Old Navy: AU $600----------------Walmart(store card): $900 & FICO: 680
Sears Mastercard: AU $300-----TU: FICO 652 April/2012
Emblemcard: $325------------------EQ: FICO 668 April/2012
Discover: $1,000-FICO 695 4/25/12---------Bringing home Amex in 2013!
Cap1: $750 Gardening mode until April 2013
Cap1: $500



Senior Contributor
youngandcreditwrthy
Posts: 6,154
Registered: ‎08-16-2012

Re: Discover initial CLI?

They told me they do clis after six months. If it's a sp, then dooooo it!
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
Senior Contributor
youngandcreditwrthy
Posts: 6,154
Registered: ‎08-16-2012

Re: Discover initial CLI?

Calll.... Make sure you have had six statements
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
Regular Contributor
720ismygoal
Posts: 169
Registered: ‎05-16-2011

Re: Discover initial CLI?

Should I call and ask for a cli even thou my uti is high? Cli is $1000, and I owe $900. Let me know what you think?
Old Navy: AU $600----------------Walmart(store card): $900 & FICO: 680
Sears Mastercard: AU $300-----TU: FICO 652 April/2012
Emblemcard: $325------------------EQ: FICO 668 April/2012
Discover: $1,000-FICO 695 4/25/12---------Bringing home Amex in 2013!
Cap1: $750 Gardening mode until April 2013
Cap1: $500



Established Member
PaPaBrad
Posts: 14
Registered: ‎10-12-2012

Re: Discover initial CLI?

[ Edited ]

Did your 6th statement just hit? Mine hit a few weeks ago but my actual 6 month isn't till the 22nd (Account Open)

 

I'm also hoping to get mine increased. Just a student but with a 500CL my utilization can get hit hard with even somewhat simple purchases. I'd like to raise mine up to 1500. From my understanding Discover is Soft Pull online and on phone unless they deny the request. Then they will ask permission first before hard pull. I also hear they counter offer usually so your chances are probably quite good.

 

I'd pay down the utilization is my only recommendation.

Senior Contributor
youngandcreditwrthy
Posts: 6,154
Registered: ‎08-16-2012

Re: Discover initial CLI?

Yeah... Unfortunately most creditors won't increase your limit if you have that high of util. Is it at 0%?!? What's your overal util on all cards?!?
Either way, if it's a sp... No harm in asking.
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
Established Contributor
migliogiorni
Posts: 657
Registered: ‎06-27-2012

Re: Discover initial CLI?

when a persons overall uti

, or uti on that card is high it is not advised to ask for a cli.

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Super Contributor
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: Discover initial CLI?


720ismygoal wrote:
Should I call and ask for a cli even thou my uti is high? Cli is $1000, and I owe $900. Let me know what you think?

you should get your utilization down before you call...  they won't really be impressed with your high balance.


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
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Regular Contributor
720ismygoal
Posts: 169
Registered: ‎05-16-2011

Re: Discover initial CLI?

Got it! thank you!

Old Navy: AU $600----------------Walmart(store card): $900 & FICO: 680
Sears Mastercard: AU $300-----TU: FICO 652 April/2012
Emblemcard: $325------------------EQ: FICO 668 April/2012
Discover: $1,000-FICO 695 4/25/12---------Bringing home Amex in 2013!
Cap1: $750 Gardening mode until April 2013
Cap1: $500



Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

Re: Discover initial CLI?

Good luck


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