10-16-2012 10:24 PM
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!
10-16-2012 10:31 PM
10-16-2012 10:31 PM
10-16-2012 10:39 PM
10-16-2012 11:45 PM - edited 10-16-2012 11:47 PM
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.
10-17-2012 06:40 AM
10-17-2012 06:42 AM
when a persons overall uti
, or uti on that card is high it is not advised to ask for a cli.
10-17-2012 06:43 AM
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.
10-17-2012 07:03 AM
Got it! thank you!
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.