topic Re: Discover Card CLI in Credit Card Approvals

Discover Card CLI

nicholasyud — Wed, 28 Nov 2012 04:21:36 GMT

As my previous post, I recently approve for Discover with $1.7k limit and its on the way to my house in a few days. I have a few question want to ask and discuss with you guys.......

What my change of getting credit increase @ first activated my card ?? Should i do it or wait about 6 months ???? I ask them about 3k since i really enjoy their 4% interest charge for 6 months and 150 cash bonus spend 1000 for 3 months. I did ask them when i call in and they said that's all they can offer and maybe wait 6 months to ask for it. Anyone had successful doing this without an HP ??? I also need some recon backdoor number. Please inbox me if you guys have some.

Please feel free to share your opinion.....

Re: Discover Card CLI

pt2005 — Wed, 28 Nov 2012 05:02:21 GMT

Your chance of getting CLI at activation is super slim, if not zero.

I got a More card more than a month ago. I tried sweet talking them for CLI at activation. Was told "Wait 6 months". Then I added my wife as "Joint Account Holder" (her score is 750ish). Called in using backdoor. Again was told "Wait 6 months". No problem. In the last month alone I charged about 3K to it (current CL is $1000) and PIF 4 times. Called in again and told them "look I paid it off 4 times in a month. I simply need more credit and I can pay it off. You see..... blah blah". Again "NO. Wait 6 months".

I search around this board and many people get auto CLI @ 2months, 3 months, etc. So hopefully Discover give us some love before the 6th month.

Hope this helps.

Re: Discover Card CLI

HiLine — Wed, 28 Nov 2012 05:06:22 GMT

Very rarely do you ever get a CLI within the first 2 months. I think you're in the right direction; just add a piece of patience to the recipe and you'll get a delicious cake.

Re: Discover Card CLI

trumpet-205 — Wed, 28 Nov 2012 05:47:46 GMT

Discover is known to hand out small auto CLI from time to time. My card got $250 CLI from $2,000 on my second statement.

Re: Discover Card CLI

wallyworld123 — Wed, 28 Nov 2012 06:33:36 GMT

I recieve about 500 cli every 6 months from discover.

Re: Discover Card CLI

AF_23 — Wed, 28 Nov 2012 06:47:30 GMT

Dont count on it. Im on my 13th statement and never seen an auto CLI. I Ive tried a few times through their site hoping for a soft approval, and they want me to speak to someone on the phone each time. Ive ran enough $ through them as well. I dont want to burn an INQ till down the road.

Re: Discover Card CLI

nicholasyud — Wed, 28 Nov 2012 14:51:35 GMT

Wow i really love Dis with their cash back bonus and shop discover but I guess they not really CLI friendly huh.........let me try to used them heavy after couple of months.....

Re: Discover Card CLI

youngandcreditwrthy — Wed, 28 Nov 2012 14:55:19 GMT

Yeah, it was a no go for me lol they said wait for 6 mos and even suggested I lower some of my existing lines to get a higher line with them :-/ lol

Re: Discover Card CLI

nicholasyud — Wed, 28 Nov 2012 15:59:59 GMT

@youngandcreditwrthy wrote:
Yeah, it was a no go for me lol they said wait for 6 mos and even suggested I lower some of my existing lines to get a higher line with them :-/ lol

Wows really !!? Haizzz Discover......

Re: Discover Card CLI

HiLine — Wed, 28 Nov 2012 16:37:29 GMT

@youngandcreditwrthy wrote:
Yeah, it was a no go for me lol they said wait for 6 mos and even suggested I lower some of my existing lines to get a higher line with them :-/ lol

Your total available credit is on the high end. How does it compare to your earnings?