Discover won't grant me any further CLI requests - insufficient experience with current limit?

[mongstradamus]

---

@android01 wrote:

Yeah, I stopped getting CLI's completely.  No 2 day message, just an instant denial.  Oh well, I was hoping for 50K or better, but I'll settle for what I have. It was a good run, and lots of fun (haha).  Maybe I'll try in another six months or so.

---

yeah I don't get any more sp CLI from them anymore I guess I hit my limit, I don't really use that card that often so that is probably a factor. 

[Anonymous]

I got my first CLI (a double-dip, the first one auto-issued and the second manual with the button) on June 10, bringing my line from $2500 to $3300. I plan to test the button again on or around July 10th after my next statement cuts to see whether I'm on the 30-day track, but I wonder if it might be better to wait until circa August 10th?

[Anonymous]

I'd try again at 30 days just to see what happens.  If nothing, move to 60 days and see if you get a different result.

[Anonymous]

Add me to the list. I am sitting at $3500 and my last incerase from 3-35 was in january. Now all I get is insufficient experience. I guess they really do want me to spend 50% on the card. OK! I can do that. Rent and Car Note are due! Watch this!...

[Subexistence]

Even though my first CLI was a success from 2,500-->4,300. Should I bother to even request another one in like 60 more days? All your experiences are telling me I shouldn't but ofc you guys have higher limits.

[austinguy907]

At this point until something changes with the CLI policy and timing I would suggest 60/90 day intervals.  30's seem to be ruled out for most at this point from what's being posted at times.  

The whole 50% of limit thing is a fluke response from one rep.  Most companies would never recommend ramping up use to 50% of your CL to get an increase.  (of course this means they make more money on swipes / interest if you're not 0% and routinely those using 50%+ for a BT don't see a CLI approval until they've paid it down to under 20%)

While most of us on the train for the past couple of years have come up with a science to further our limit growth with spend and timing the pressing of the button that's all out the door at the moment since 3/29 occured.  It seems there's nothing set in stone for a 6 month rule or anything of the like but, some of us are approaching that here shortly.  

[CreditInspired]

Congratulations TaterDawg. That's an awesome CLI.

[Anonymous]

---

@Anonymous wrote:

I'd try again at 30 days just to see what happens.  If nothing, move to 60 days and see if you get a different result.

---

I'll do that, then...afterward I'll likely follow Austinguy's recommendation and go to a 60-day schedule. As for the 50% util reportedly recommended by at least one Discover customer rep, I'd never heard of that myself from any issuer myself - it seems to fly in the face of every recommendation I've ever read about keeping util as low as possible. When I was discussing my new Visa with the lady at Apple FCU last Monday, she straight-up advised me to keep my utils under the magic 30% to get the best chances of CLI's and product upgrades.

[AverageJoesCredit]

Nothing lost if you smash the button every 30 days, if you are on the 60 or 90 days schedule youll just get it on that one. If your on the never train, at least Disco will know you're alive lol

[Anonymous]

---

@Anonymous wrote:

---

@Anonymous wrote:

I'd try again at 30 days just to see what happens.  If nothing, move to 60 days and see if you get a different result.

---

I'll do that, then...afterward I'll likely follow Austinguy's recommendation and go to a 60-day schedule. As for the 50% util reportedly recommended by at least one Discover customer rep, I'd never heard of that myself from any issuer myself - it seems to fly in the face of every recommendation I've ever read about keeping util as low as possible. When I was discussing my new Visa with the lady at Apple FCU last Monday, she straight-up advised me to keep my utils under the magic 30% to get the best chances of CLI's and product upgrades.

---

It's important to understand that there's a difference between reporting 50% utilization and using 50% of your credit limit.  It's often recommended to use as much of your credit limit as possible, even 100% or more with multiple payments, as it shows the creditor that not only do you WANT a higher CL, but you essentially NEED one.  It would be in the best interest of both parties, a true win-win, if a CLI was given under these circumstances.  No one would ever suggest allowing an extremely high usage amount on a card to report however.  High usage is great so long as it's paid down and small balance is allowed to report.