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Question about Discover CLI

Regular Contributor

Question about Discover CLI

Received my Discover more at the end of may 2012 with a $1200 limit. Since then I have been putting about $500 through the card monthly and got a collection deleted from my report. My EQ was 645 when they approved, but should be at least 680 by December when I can request CLI. In that case, my question is what is the biggest 6 month CLI someone has received and what would my ballpark CLI be (or expect to receive) without HP?

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5 REPLIES
Contributor

Re: Question about Discover CLI

I Started out with a limit of 5500.00 , been a card holder since may of last yr, never got a CLI, my Tu/Exp Ficos are 786/799. I called them Tue and asked for a CLI, I told them to match my lowest Cl, which is a new Pen Fed account that i just opened with a cl of 13500.00. The csr put me on hold and a supervisor took over and told me that he has  rarely seen accounts with over 10,000 limits. Im curious myself what other members Cl are, and they did a soft pull. My utl is around 8 % on all my cards, I run usually 2-3000 a month thru discover and pif each month. And no I didnt get the increase, didnt want to waste a hard pull.

CC: Amex Green ( NPSL) Amex BCE ( 38.1 K ) US Bank Sig Cash ( 20K ) Pen Fed (42K) Chase Freedom ( 7.5K) Discover More (22K ) Cap 1 QSilver (10K) Barclays Rewards (9K) Care Credit (5.5k) Sears (12K) JC Pennys (6K) Dell (15K) Key Bank (19k ) Key Bank (16K) FFO (7.5 K) Shell ( 600) OCCU ( 20K ) City TY (10.5K) CSP (17.5k) Regions ( 18K )Simmons (15K) Regions BLOC (125K) Fuel Rewards MC(10K )Amex Hilton ( 23k)

TU ( MFICO 5/11/14) 812
EQ ( MFICO 5/11/14) 790
EX ( MFICO 5/11/14) 805

Message 2 of 6
Valued Member

Re: Question about Discover CLI

I had mine august of last year with 1k limit. I request for cli after 8 months it took a HP for 3k
FlipDC
Starting Score: 638 fico eq 7/11
Current Score: 648 fico eq 8/12, 686 fico tu 8/12. 1/13 TU 661
2013 Score: EX 654, EQ 610, TU 625
Goal Score: 740 1/14
In my Wallet: Discover more 4k,Citi plat 5k,Citi simplicity 3k,Citi diamond 1k,Cap1 cash 750/2500,Cap1 plat 750/2500,Kanes Furn, Walmart 900/2200, Macys 600.
Message 3 of 6
Regular Contributor

Re: Question about Discover CLI

I mainly curious because my FICO will be up at least 40 points since they approved me. I hear they soft TU for the CLI which would be great because that score is just just shy of 700 now (hoping it eclipses 700 by December), so that is a drastic improvement in my record combined with the removed collection since they pegged me at 645 EQ. I would like to get up around 5k if possible
Message 4 of 6
Regular Contributor

Re: Question about Discover CLI

Anyone else??? Come on I know there's tons of discover people on here!
Message 5 of 6
Valued Contributor

Re: Question about Discover CLI

I have had my Discover since April, 2011. I started with a 4k limit. I asked for a CLI at 6 months (I think I asked for 2k), they would only approve me for $500 without doing a HP. I took the $500. I used the card fairly regularly, maybe 300-400 per month and PIF. They do appear to be fairly conservative.


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, UMB Visa, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (4), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 801; TU MyFico: 799; EX (My Fico): 797
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