topic Re: Discover Auto CLI in Credit Card Approvals

Discover Auto CLI

remarc — Tue, 05 Jun 2012 05:02:21 GMT

I spoke with a really nice lady at Discover who informed me that my account is not eligible for a auto CLI until ive had the card for 18 months, I can however apply for a CLI at 6 months? Does this sound right???

I see other people on this site with auto CLI in the first 3 months or so.. Does Discover give different limits & restrictions etc for certain scores etc ?

Next month will be my 3rd statement..

Re: Discover Auto CLI

-Cain- — Tue, 05 Jun 2012 05:07:59 GMT

Any baddies?

Re: Discover Auto CLI

remarc — Tue, 05 Jun 2012 05:30:30 GMT

Nope. None. No lates. No collections. Just limited history, only 2.5 years .
Starting balance $1000

Re: Discover Auto CLI

-Cain- — Tue, 05 Jun 2012 05:32:08 GMT

Might be the limited history. Call and ask, Discover has great CSRs.

Re: Discover Auto CLI

r34dy2fly — Tue, 05 Jun 2012 06:27:26 GMT

I'd give them a call. I haven't had discover too long but they recently upped my CL automatically. Originally I had a 4k limit with them. About 3-4 months later I asked for a CLI and they approved me for 10k. About a month or so after that they automatically pushed me to 13.8k. I don't know what they're methods of doing business but I won't complain.

Re: Discover Auto CLI

Gabo — Tue, 05 Jun 2012 06:46:17 GMT

Be advised that if your credit limit is below 1500 automatic CLI is not available for at least 1 year, however if your card is at least 3K limit CLI is available within Months defending on your CR, sometimes people got lucky to get their CLI in 3 or 4 months but the average is 6 months

Re: Discover Auto CLI

Anonymous — Tue, 05 Jun 2012 06:50:57 GMT

@Gabo wrote:
Be advised that if your credit limit is below 1500 automatic CLI is not available for at least 1 year, however if your card is at least 3K limit CLI is available within Months defending on your CR, sometimes people got lucky to get their CLI in 3 or 4 months but the average is 6 months

I will look for the button in 3 to 6 months and tell it that Gabo sent me

Re: Discover Auto CLI

Anonymous — Tue, 05 Jun 2012 11:43:11 GMT

That's good to know for the $1500.00 Discover card holders :-)

They are really nice, I've never ever had an issue with their customer service.

Don't hesitate to call

Re: Discover Auto CLI

remarc — Tue, 05 Jun 2012 14:16:10 GMT

I use my discover between $700 & $900 of my $1000 limit every month and always PIF. I do hope they see this & respond with a auto or bump at request on the 6 month mark.

Re: Discover Auto CLI

Anonymous — Tue, 05 Jun 2012 14:34:38 GMT

@Gabo wrote:
Be advised that if your credit limit is below 1500 automatic CLI is not available for at least 1 year, however if your card is at least 3K limit CLI is available within Months defending on your CR, sometimes people got lucky to get their CLI in 3 or 4 months but the average is 6 months

I started with a $2500 cl...3 months later I received an auto cli for $300, and 3 months after that another $300 auto cli.

Re: Discover Auto CLI

Anonymous — Tue, 05 Jun 2012 14:37:11 GMT

I've had mine since the first week of March. No auto-CLIs, nor do I expect one. I specifically got the card to pay utilities and to do a BT for the 18-month 0% transfer.

Carrying a 60% balance on it while I pay it down, I spend only about $50 a month on it, so I'm not likely to get one until I get it to 0 and actually use it the way I'd like to.

Re: Discover Auto CLI

Anonymous — Sat, 09 Jun 2012 03:21:57 GMT

@Gabo wrote:
Be advised that if your credit limit is below 1500 automatic CLI is not available for at least 1 year, however if your card is at least 3K limit CLI is available within Months defending on your CR, sometimes people got lucky to get their CLI in 3 or 4 months but the average is 6 months

Just got a $350 auto CLI after 4th statement on my $1k Discover More.

Re: Discover Auto CLI

therealBigSmooth — Sat, 09 Jun 2012 03:58:49 GMT

My Discover opened 4-16-12 at $4k. I'm interested in others experiences. My score was 730 when opened and now down to 670 due to AAoA and new mortgage and 6 new cc's.

Re: Discover Auto CLI

remarc — Sat, 09 Jun 2012 06:17:31 GMT

Ctb89 - would u mind sharing how u have been using you'r card & paying?

Re: Discover Auto CLI

percy81 — Fri, 08 Feb 2013 20:47:16 GMT

@Gabo wrote:
Be advised that if your credit limit is below 1500 automatic CLI is not available for at least 1 year, however if your card is at least 3K limit CLI is available within Months defending on your CR, sometimes people got lucky to get their CLI in 3 or 4 months but the average is 6 months

I know this is an old thread, but I felt compelled to clear some things up for future discover cardholders researching for some answers. Gabo, I don't know if you stated "Be advised that if your credit limit is below 1500 automatic CLI is not available for at least 1 year," in error, but you're wrong. I started at a credit line of $1,000 and after 3 months they gave me an increase, then 3 months later another increase, again 3 months later another. I'm about to reach my 1 year anniversary with them next month, so i'm not sure if I'll get another but I will update. Granted, they've been small increases -250.00- each time but nonetheless, i've gotten them having a limit "below 1500."

Re: Discover Auto CLI

Anonymous — Fri, 08 Feb 2013 22:21:21 GMT

they auto CL just right after 5 months.they start 1k2 for me. i just called, they said call them back after 6 months.They will review agian,if my account is good standing then they don't need HP,if not they have to pull my credit again for CL increase.

Re: Discover Auto CLI

Josh2942 — Thu, 08 May 2014 17:23:22 GMT

No true I have a student card that started at 500 and got bumped up after 6 months

Re: Discover Auto CLI

youngandcreditwrthy — Thu, 08 May 2014 17:30:47 GMT

Discover does auto clis fairly frequently. Typically, I larger credit line will require a hp. I've received three auto clis with the first being at six months, then every three months for another six months, and then a neary 5k increased at around 14 months.

Re: Discover Auto CLI

NewBuster — Thu, 08 May 2014 18:24:01 GMT

Just received a $200 increase yesterday, one day after my 6th statement cut, not much but a little bump.

Re: Discover Auto CLI

CreditMagic7 — Thu, 08 May 2014 18:28:46 GMT

When i PIF i push a negative credit into it for good measure. This time i'm leaving it for awhile and then try again for a CLI, HP if they absolutely feel a need for it, but it better yield some results. I been getting pretty tired of sending multiple payments every time i use their $1400 SL line.