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New Information on Discover CLIs

Established Contributor

New Information on Discover CLIs

As mentioned in my previous posts, I am working on increasing my CLs on my current cards in order to grow them while gardening. I contacted Discover today. I tried to do an automated request for CLI however when I pressed the option on my phone it wouldn't take me to the system. I spoke with a rep who then stated that that feature will not be available until March 23rd as this is my 6 month mark with Discover. She also explained that even if the automated system transfers you to the CSR during the request it doesn't mean hard pull. She said that the system will automatically give you a CLI over the phone or it will ask the rep to read a disclosure if the disclosure is read, you can cancel because at that point you will encounter a HP. So for those of you fellow myficoers who have been transferred to a live rep while using the automated system for increase just know that the CSR will not HP without a disclosure so don't HANG UP it's worth the possible CLI!!

 

TGIF everyone!!

Current Scores: EX - 728 FICO (5/11/13) TU - 771 FICO (7/02/13) EQ ??

Current Cards: Chase Freedom $5,000, CSP $5,700, BofA Visa Signature $15,000, AMEX BCE $6,000, Walmart $4,150, Gap Visa $10,000, JC Penny $5,800, Lowes $8,500, Dillard's AMEX $8,000, AMEX Hilton HHonors - $2,000, Chase United $12,000, Citi AAdvantage & Simplicity $6,000/$6,000, SPG AMEX $1,000
Message 1 of 11
10 REPLIES
Valued Contributor

Re: New Information on Discover CLIs

Thanks for the info laboi_22. I have had my More since last August, so March is probably when I'll be able to ask for CLI as well.

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 730 08/15 (PSECU), TU08 710 08/15
Goal Score: 725+ across the board


Take the FICO Fitness Challenge

Message 2 of 11
Established Contributor

Re: New Information on Discover CLIs

No problem. Hope the info helps someone. Good luck in March. Update us. I know I will!!
Current Scores: EX - 728 FICO (5/11/13) TU - 771 FICO (7/02/13) EQ ??

Current Cards: Chase Freedom $5,000, CSP $5,700, BofA Visa Signature $15,000, AMEX BCE $6,000, Walmart $4,150, Gap Visa $10,000, JC Penny $5,800, Lowes $8,500, Dillard's AMEX $8,000, AMEX Hilton HHonors - $2,000, Chase United $12,000, Citi AAdvantage & Simplicity $6,000/$6,000, SPG AMEX $1,000
Message 3 of 11
Valued Contributor

Re: New Information on Discover CLIs

No doubt I will update.

Did the CSR mention if the luv button would reappear online at the 6 month mark, or just that is when you'd be eligible to call and ask for CLI?

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 730 08/15 (PSECU), TU08 710 08/15
Goal Score: 725+ across the board


Take the FICO Fitness Challenge

Message 4 of 11
Established Contributor

Re: New Information on Discover CLIs

You know I didn't ask about that. I forgot.
Current Scores: EX - 728 FICO (5/11/13) TU - 771 FICO (7/02/13) EQ ??

Current Cards: Chase Freedom $5,000, CSP $5,700, BofA Visa Signature $15,000, AMEX BCE $6,000, Walmart $4,150, Gap Visa $10,000, JC Penny $5,800, Lowes $8,500, Dillard's AMEX $8,000, AMEX Hilton HHonors - $2,000, Chase United $12,000, Citi AAdvantage & Simplicity $6,000/$6,000, SPG AMEX $1,000
Message 5 of 11
Established Contributor

Re: New Information on Discover CLIs

Ha!  For grins, after reading this thread I popped on to my Disco account to see if there was a luv button (only been open for 2 months).

 

There was a button...: "Request a Credit Line Decrease".

 

AHAHAHAH!

 

I've never seen that one before!

 

-SM

I am not an attorney and none of what I write should be construed as legal advice. For legal advice please consult an attorney.

Starting Score: ~470 preBK(8/2010)
Current Scores as of Late January 2016 All 700+. Last CR pull from a lender(housing) was mid-score 749.
Goal Score: 700+ - reached.
Message 6 of 11
Established Contributor

Re: New Information on Discover CLIs

Will you give it a try?
Current Scores: EX - 728 FICO (5/11/13) TU - 771 FICO (7/02/13) EQ ??

Current Cards: Chase Freedom $5,000, CSP $5,700, BofA Visa Signature $15,000, AMEX BCE $6,000, Walmart $4,150, Gap Visa $10,000, JC Penny $5,800, Lowes $8,500, Dillard's AMEX $8,000, AMEX Hilton HHonors - $2,000, Chase United $12,000, Citi AAdvantage & Simplicity $6,000/$6,000, SPG AMEX $1,000
Message 7 of 11
Valued Contributor

Re: New Information on Discover CLIs

Haha. I have that button. Don't see myself ever using it.

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 730 08/15 (PSECU), TU08 710 08/15
Goal Score: 725+ across the board


Take the FICO Fitness Challenge

Message 8 of 11
Established Contributor

Re: New Information on Discover CLIs

Well at least you have one. I don't Smiley Sad
Current Scores: EX - 728 FICO (5/11/13) TU - 771 FICO (7/02/13) EQ ??

Current Cards: Chase Freedom $5,000, CSP $5,700, BofA Visa Signature $15,000, AMEX BCE $6,000, Walmart $4,150, Gap Visa $10,000, JC Penny $5,800, Lowes $8,500, Dillard's AMEX $8,000, AMEX Hilton HHonors - $2,000, Chase United $12,000, Citi AAdvantage & Simplicity $6,000/$6,000, SPG AMEX $1,000
Message 9 of 11
Super Contributor

Re: New Information on Discover CLIs

The CLD button is a joke. Why would anyone want a CLD?

 

 




Message 10 of 11