No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I'm currently over the limit on my Discover card by $9 dollars. I had a recurring charge that went through on my card and Discover chose not to decline the transaction. Would this be a bad time to request a CLI?
@maiden_girl wrote:I'm currently over the limit on my Discover card by $9 dollars. I had a recurring charge that went through on my card and Discover chose not to decline the transaction. Would this be a bad time to request a CLI?
If your saying the card is max out ...yes bad time to ask
Yes, my card is maxed out. My CL is $1500 and my account balance is at $1509. I made a payment on my card of $100 but it hasn't posted yet just to clear up being over the limit. I forgot to cancel a recurring charge.
@maiden_girl wrote:Yes, my card is maxed out. My CL is $1500 and my account balance is at $1509. I made a payment on my card of $100 but it hasn't posted yet just to clear up being over the limit. I forgot to cancel a recurring charge.
Pay it down and you should be in good shape for a CLI
Lol. I haven't been using it. The balance is big because I had a large purchase and I'm in 0% APR mode right now. I'm not so much concerned with reaching my limit but rather being over it...I've never been over my limit on any card before so that was a first.
@maiden_girl wrote:Lol. I haven't been using it. The balance is big because I had a large purchase and I'm in 0% APR mode right now. I'm not so much concerned with reaching my limit but rather being over it...I've never been over my limit on any card before so that was a first.
I would say Discover letting the charge go through, even if it only put you over by 9, is a good sign. To me it tells me that Discover trusts you. I would pay part of the balance down and in a month or two I think Discover CLI is definitely a possibility.
@PokemonMaster wrote:
@maiden_girl wrote:Lol. I haven't been using it. The balance is big because I had a large purchase and I'm in 0% APR mode right now. I'm not so much concerned with reaching my limit but rather being over it...I've never been over my limit on any card before so that was a first.
I would say Discover letting the charge go through, even if it only put you over by 9, is a good sign. To me it tells me that Discover trusts you. I would pay part of the balance down and in a month or two I think Discover CLI is definitely a possibility.
Thank you! I'm hoping to pay the balance down in the next month or so.
To the OP: I was over my limit and requested a CLI. I had to sacrifice an HP, but I was approved I wasn't asking for a big increase and I explained the charges and why I was requesting an increase.