topic Re: Discover credit limit increase in Credit Card Approvals

Discover credit limit increase

Anonymous — Mon, 06 Apr 2015 20:57:58 GMT

My cards--
Discover $700
Amex BCE $6,500
Chase Freedom $2,300
Chase Sapphire Preferred $5,400
I have had discover since 2011 and have only had one CLI of $200. Since 2011, my income has increased substantially and my credit score has increased about 100 points. Has anyone had any luck with auto cli from discover?

Re: Discover credit limit increase

Anonymous — Mon, 06 Apr 2015 20:59:22 GMT

@Anonymous wrote:
My cards--
Discover $700
Amex BCE $6,500
Chase Freedom $2,300
Chase Sapphire Preferred $5,400
I have had discover since 2011 and have only had one CLI of $200. Since 2011, my income has increased substantially and my credit score has increased about 100 points. Has anyone had any luck with auto cli from discover?

Yes

Re: Discover credit limit increase

tempusfugit123 — Mon, 06 Apr 2015 21:15:59 GMT

I'm in the same boat as you. I got my card in 2011 and haven't had an increase since then

Re: Discover credit limit increase

Anonymous — Mon, 06 Apr 2015 21:59:13 GMT

I used the card every month and always paid in full. I don't want another hard pull but it would be nice for the discover limit to be in the range of my other cards. Maybe its just my OCD lol

Re: Discover credit limit increase

Anonymous — Mon, 06 Apr 2015 22:03:12 GMT

Why don't you see if there is a link to request an increase. They should tell you if it will be an HP or SP, and you can back out if they tell you that it will be an HP.

Re: Discover credit limit increase

Anonymous — Mon, 06 Apr 2015 22:08:00 GMT

It is a hard pull, I checked. And I recently got the Amex and CSP so they probably wouldn't want to bump me up right now.

Re: Discover credit limit increase

Themanwhocan — Mon, 06 Apr 2015 22:38:14 GMT

Just call and the phone system will tell you how much it can give you with a SP, otherwise it will transfer you to an agent.

Re: Discover credit limit increase

joeyoey — Mon, 06 Apr 2015 23:30:04 GMT

If you're getting the message that they have to pull your report, just click cancel & try again in a week. They've been giving me that message for 3 months. Finally, last week they gave me an increase with no additional pull.

Re: Discover credit limit increase

vanillabean — Mon, 06 Apr 2015 23:35:30 GMT

You get results from charging a lot, but why would you? The quarterly categories are so watered down.

Re: Discover credit limit increase

Ghoshida — Mon, 06 Apr 2015 23:35:53 GMT

Recently many (a lot of) people got SP CLIs using the request button; if you're not getting one, hang around for a while.

However I had got my first Discover CLI as a HP; but they raised from $750 (Mar 13) to $2k (Nov 13). No new inquiries on TU then but 2 new cards were showing.

Since then it's been all Auto / SP CLIs. $10k now.

Re: Discover credit limit increase

B335is — Tue, 07 Apr 2015 01:28:00 GMT

Congrats! My first CLI from Discover was a prompt when I logged in saying I was eligible. I still had to submit the request.

Re: Discover credit limit increase

FocusedAndDetermined — Tue, 07 Apr 2015 01:36:18 GMT

@Anonymous wrote:
@Anonymous wrote:
My cards--
Discover $700
Amex BCE $6,500
Chase Freedom $2,300
Chase Sapphire Preferred $5,400
I have had discover since 2011 and have only had one CLI of $200. Since 2011, my income has increased substantially and my credit score has increased about 100 points. Has anyone had any luck with auto cli from discover?
Yes

Absolutely, yes!!!

Re: Discover credit limit increase

Themanwhocan — Tue, 07 Apr 2015 02:33:49 GMT

@Anonymous-own-fico wrote:
You get results from charging a lot, but why would you? The quarterly categories are so watered down.

Not me, I don't charge all that much to the Discover.

$2000 to $9500 in 2 years and 2 months.

Re: Discover credit limit increase

Untitled — Tue, 07 Apr 2015 03:09:09 GMT

2 weeks ago I recieved SP $1000 CLI. It's really easy, try it!

Re: Discover credit limit increase

Anonymous — Tue, 07 Apr 2015 04:03:25 GMT

I just tried, you guys made me want to. I have had the card about 3 months. Went from 1000 to 1500. Not much but ill take a sp cli any day.

Re: Discover credit limit increase

adavis425 — Tue, 07 Apr 2015 05:27:50 GMT

@Themanwhocan wrote:
Just call and the phone system will tell you how much it can give you with a SP, otherwise it will transfer you to an agent.

+1!!!!

I keep posting this same suggestion. The automated system is by far the easiest!! It really does work! AND just as themanwhocan wrote, it's a SP. If it says it has to transfer you to an agent, hang up!!! That's a HP.

Re: Discover credit limit increase

takeshi74 — Tue, 07 Apr 2015 13:07:04 GMT

@Anonymous wrote:
Has anyone had any luck with auto cli from discover?

Some do, some don't. CLI's are based on credit and income with any creditor so everyone won't see the exact same results. CLI's are not simply exchanged for time.

I've had a few small auto CLI's with Discover but the biggest CLI was one I requested in exhcange for an HP.

Re: Discover credit limit increase

bearze34 — Tue, 07 Apr 2015 16:04:52 GMT

I have been @$6000 since I got the card a year and a half ago. WaL-Mart, Paypal, and others just hive you an occasional bump but Discover doesn't seem to. I carry very little balance on cards so I really don't need an increase but they are nice.

Re: Discover credit limit increase

Anonymous — Mon, 20 Apr 2015 05:15:58 GMT

I got approved for $1200.00 in 2011 so about 4 years now.. got an automatic Credit limit increase a few months down the line to $1700.. and back in November of 2014 got an auto increase to $2100. I havent paid them any interest in months, in fact theyve been paying me upwards of $20.00/month in cashback, but I manage occasionally have a balance on statement closing date, which is something that is rummered to be preferred by discover.

Re: Discover credit limit increase

Carreras — Mon, 20 Apr 2015 06:37:42 GMT

Started with a limit of $1200 in 2011. Got an Auto Increase 6months later to $1700. November got an increase to $2100.00. .