Every time that I've gotten a CLI from Discover, I have used the secure chat from within the account area. Just open up a chat and ask them if it is possible if you can get a CLI without a hard pull. The system will let them know if that is possible after they collect some info from you (income/rent/mortgage, etc.).
I have never been able to use the love button and the automated phone system has never given me the CLI option without speaking to rep. But I've gotten 4 CLIs from them through chat without a hard pull. 2 of them for +$1500. Sometimes they will say they need to do a hard pull. Just decline and come back a few months later and try again.
Starting Score: 714
@14Fiesta wrote:
@thelethargicage wrote:
@chalupaman wrote:I just got one today, though it was a TU HP to 1000.
I think one of the things that was really different about this time is that I had a 0 balance on the card and some of my newer CC accounts have reached the 6 month mark and that I had an actual human being look at my CR instead of having the computer try to decide for them. All the other times I had tried to request one, I had some kind of balance on the card (usually around 130-150 dollars) since I had that 0 intro APR offer and it was always a SP on TU and also the fact that my account was still kinda relatively new to them which is what I was getting denied for a lot of the time by the system. Considering that I couldn't get anything at all from Discover, I'm actually kinda okay with what they gave me considering that I have a lot of credit already that I haven't gotten anywhere close to using that much of relatively.
I think what Discover (in my case) really likes is regular usage and low balances at the time of applying for a CLI though I've commonly heard that sometimes they give CLIs to people who have balances on their card. I also think that they kinda want to be the mainstay in your wallet so if you have plenty of other cards with other lenders that they're not gonna be as generous in contrast to someone who just has like one or two other cards or something. I also do have a Discover checking account but I really don't think that had too much to do with it.
"Congrats! Thanks for sharing"
Fixed
Nice.
The low balances thing is debatable, the wife's Discover started out at $6,000 and saw a $1,200 increase at 70% UTL (0% Promo period), and then another $1,300 increase at 40% UTL (Balance transfer at 0%), and two other $1,000 CLI's at 20% UTL, lastly another $500 with the latest at 30% UTL due to another 0% promo period.
@Anonymous wrote:
@14Fiesta wrote:
@thelethargicage wrote:
@chalupaman wrote:I just got one today, though it was a TU HP to 1000.
I think one of the things that was really different about this time is that I had a 0 balance on the card and some of my newer CC accounts have reached the 6 month mark and that I had an actual human being look at my CR instead of having the computer try to decide for them. All the other times I had tried to request one, I had some kind of balance on the card (usually around 130-150 dollars) since I had that 0 intro APR offer and it was always a SP on TU and also the fact that my account was still kinda relatively new to them which is what I was getting denied for a lot of the time by the system. Considering that I couldn't get anything at all from Discover, I'm actually kinda okay with what they gave me considering that I have a lot of credit already that I haven't gotten anywhere close to using that much of relatively.
I think what Discover (in my case) really likes is regular usage and low balances at the time of applying for a CLI though I've commonly heard that sometimes they give CLIs to people who have balances on their card. I also think that they kinda want to be the mainstay in your wallet so if you have plenty of other cards with other lenders that they're not gonna be as generous in contrast to someone who just has like one or two other cards or something. I also do have a Discover checking account but I really don't think that had too much to do with it.
"Congrats! Thanks for sharing"
Fixed
Nice.
The low balances thing is debatable, the wife's Discover started out at $6,000 and saw a $1,200 increase at 70% UTL (0% Promo period), and then another $1,300 increase at 40% UTL (Balance transfer at 0%), and two other $1,000 CLI's at 20% UTL, lastly another $500 with the latest at 30% UTL due to another 0% promo period.
Hmmmmm. Interesting. I'm just trying to figure out my strategy as to how I can pull off a second CLI with Discover if possible. I honestly think BoA is the one I'm really interested in trying in the next few months along with one last Amex CLI. I heard they can be quite generous with CLIs and lots of people seem to have had luck with Barclays after the sixth statement with them.
Tried a shot in the dark to see if I could get a CLI with Discover just now. No dice.
@Anonymous wrote:
@Involver wrote:You use the card heavily.
Your score increases significantly.
After seven months you ask for a CLI. They HP you.
They give you $500.
You sock drawer the card forever.
This, All the way.
They seem to require HP during the first year, but you can get SP CLI after that. It worked that way for me (moderate increases each time: $1000 HP, $2000 HP, $1000 SP phone, $1500 SP online)
