Member
GebraJake
Posts: 8
Registered: ‎01-01-2012
Discover More 12 month wait for CLI

I have had a Discover More card for almost 7 months now (since march 20th 2012), and I keep trying to request a CLI and some say they dont know why they cant submit the request and other CSRs say i have to wait until the card is 12 months old. Has anyone else had to wait 12 months to request a CLI?

 

I just think that 12 months is ridiculous, the card is in good standing and at a 1k limit.

Established Contributor
djrez4
Posts: 504
Registered: ‎08-28-2012
Re: Discover More 12 month wait for CLI

I was told 6 months when I chatted with a CSR last week.

Member
GebraJake
Posts: 8
Registered: ‎01-01-2012
Re: Discover More 12 month wait for CLI

Ya thats what everyone else is saying, I dont understand.

Contributor
SpiceIslander
Posts: 328
Registered: ‎02-01-2010
Re: Discover More 12 month wait for CLI

GebraJake wrote:

I have had a Discover More card for almost 7 months now (since march 20th 2012), and I keep trying to request a CLI and some say they dont know why they cant submit the request and other CSRs say i have to wait until the card is 12 months old. Has anyone else had to wait 12 months to request a CLI?

 

I just think that 12 months is ridiculous, the card is in good standing and at a 1k limit.


Perhaps you just don't qualify for some reason, IME: Discover likes to see heavy usage. I started at 1k as well and used the card heavily which resulted in having to make multiple payments during the month. I tried for a CLI online and got the message to call. When I called, I told them that the limit was insufficient to support my spending. They were able to see that I put an avgerage of 2k through the card. They asked me how much I wanted my CL to me and I told them 3k and it was approved.

Meg.

FICO: 04/2014 - TU 765 | EQ ??? | EX 768

Amex BCP 12900 | Lowes 10,000 | LOC 9300 | Sallie Mae/Barclays World MC 9000 | FNBO 8900 | BOA Platinum+ 6000 | Citi Simplicity 5200 | Chase CSP 5000 | Achieva CU 4000 | Discover 4000 | Sam's Club 3000 | Sears 900
Member
GebraJake
Posts: 8
Registered: ‎01-01-2012
Re: Discover More 12 month wait for CLI

I use it for EVERYTHING, I use it 2-4 times a day, ive put a total of $6,500 through it since i got it

Regular Contributor
tylaw13
Posts: 173
Registered: ‎06-28-2012
Re: Discover More 12 month wait for CLI

GebraJake wrote:

I have had a Discover More card for almost 7 months now (since march 20th 2012), and I keep trying to request a CLI and some say they dont know why they cant submit the request and other CSRs say i have to wait until the card is 12 months old. Has anyone else had to wait 12 months to request a CLI?

 

I just think that 12 months is ridiculous, the card is in good standing and at a 1k limit.


Why is it ridiculous? are your scores really high? do you have other cards that have much higher credit limits? getting denied a CLI is a bummer, but these banks are loaning you the money so if they dont want to give you more then thats up to them. Unless your income/scores/other CL's show you should get a higher limit i dont think you should feel entitled to a higher limit. Im not sure if this sounds mean or not but im not trying to be mean, im just voicing my opinion.

 

EQ FICO - 725 (9/11/13) TU FICO - 724 (6/27/13) EX FICO (6/30/13) 755 AMEX
Im my wallet - Cap1 Platinum MC(2000) Chase Freedom(1500) AMEX BCE (7000) Discover IT (8000) CSP (15000) Cal Coast CU (8000)
Member
GebraJake
Posts: 8
Registered: ‎01-01-2012
Re: Discover More 12 month wait for CLI

I have 1500 from kay jewelers, and 2500 from barclaycard, and you misinterpreted the post. i was not denied for a CLI, i was told that i am not able to even REQUEST a CLI

Regular Contributor
tylaw13
Posts: 173
Registered: ‎06-28-2012
Re: Discover More 12 month wait for CLI

GebraJake wrote:

I have 1500 from kay jewelers, and 2500 from barclaycard, and you misinterpreted the post. i was not denied for a CLI, i was told that i am not able to even REQUEST a CLI


Either way you didnt get the CLI. I've heard Discover is conservative too. Maybe try calling again and getting a different CSR or have the call escalated to somebody with more power?

 

EQ FICO - 725 (9/11/13) TU FICO - 724 (6/27/13) EX FICO (6/30/13) 755 AMEX
Im my wallet - Cap1 Platinum MC(2000) Chase Freedom(1500) AMEX BCE (7000) Discover IT (8000) CSP (15000) Cal Coast CU (8000)
Member
GebraJake
Posts: 8
Registered: ‎01-01-2012
Re: Discover More 12 month wait for CLI

ya ive thought about doing that, i just had the card PCd to the IT and they will call me when the statement cycles on the 4th to complete the change and ill ask then