topic Re: Discover CLI Data Points in Credit Card Approvals

Discover CLI Data Points

credit_endurance — Tue, 05 Jul 2016 18:24:08 GMT

I know there are a few threads regarding Discover and there uncanny way of granting cli's but, I just wanted to share my experience.

Apped and was approed for Discover IT in April 2016 with starting CL of $1,200. Immedietely put spending through with several large purchases being made. Went close to my max CL as well, never PIF holding a balance through my first 2 statements.

Fast forward to this morning, logged into my account 2nd statement had just cut, an to my suprise a $500 auto cli! Now that really caught me off guard especially seeing that I had a balance of $800 or so on my account. And according to my calender I recieved this auto cli on day 75 in which the account ws approved. Now thinking of pressing my fortunes and hitting the luv button on day 91. Any thoughts ?

Just wanted to add my experience to the forums.

Re: Discover CLI Data Points

RonM21 — Tue, 05 Jul 2016 20:01:41 GMT

Thanks for the data point & congrats on the auto increase. If you are putting that spend through it, I see no reason not to try at 91 days.

Re: Discover CLI Data Points

Anonymous — Wed, 06 Jul 2016 13:08:40 GMT

Congrats on your early auto increase! My hubby's card was opened on 4/22/16, and he asked for an increase at 70 days and got one for $500 too. I'm glad to see that one can get a cli when there is a balance owed with Discover (hubby was pif at the time of his increase, but has since posted a balance on the statement that cut yesterday). I think he'll try for another one at 91 days. Your post was informative and helpful, and confirmed that pif is not always a necessity when looking for an increase from Discover. Good luck to you, and please post any new changes that come your way!

Re: Discover CLI Data Points

credit_endurance — Wed, 06 Jul 2016 14:05:07 GMT

@Anonymous wrote:
Congrats on your early auto increase! My hubby's card was opened on 4/22/16, and he asked for an increase at 70 days and got one for $500 too. I'm glad to see that one can get a cli when there is a balance owed with Discover (hubby was pif at the time of his increase, but has since posted a balance on the statement that cut yesterday). I think he'll try for another one at 91 days. Your post was informative and helpful, and confirmed that pif is not always a necessity when looking for an increase from Discover. Good luck to you, and please post any new changes that come your way!

Thanks weedeb! Much appreciated. I am really starting to like this Discover card and will make it my got to source along with Citi DC. I am highly anticipating what will happen on my standard 91 cli request and will keep you informed.

Re: Discover CLI Data Points

Anonymous — Wed, 06 Jul 2016 14:14:03 GMT

You're welcome! Hubby is downsizing some of his Cap One cards and closing a few others. Doesn't need all of them. He's making his two Penfed cards and Discover his main go to cards. I've got a Discover too, but will use his more often, since Discover has been more generous with him from the start. Will let you know about any add'l increases that come his way!

Re: Discover CLI Data Points

Vegas4Play — Thu, 07 Jul 2016 07:30:56 GMT

Nice Congrats to you !!!

Re: Discover CLI Data Points

Anonymous — Sun, 10 Jul 2016 08:35:04 GMT

@credit_endurance wrote:
I know there are a few threads regarding Discover and there uncanny way of granting cli's but, I just wanted to share my experience.

Apped and was approed for Discover IT in April 2016 with starting CL of $1,200. Immedietely put spending through with several large purchases being made. Went close to my max CL as well, never PIF holding a balance through my first 2 statements.

Fast forward to this morning, logged into my account 2nd statement had just cut, an to my suprise a $500 auto cli! Now that really caught me off guard especially seeing that I had a balance of $800 or so on my account. And according to my calender I recieved this auto cli on day 75 in which the account ws approved. Now thinking of pressing my fortunes and hitting the luv button on day 91. Any thoughts ?

Just wanted to add my experience to the forums.

Congratulations On Your Approval....Thanks For Sharing..

Re: Discover CLI Data Points

joeaseer — Mon, 11 Jul 2016 05:12:44 GMT

@credit_endurance wrote:
I know there are a few threads regarding Discover and there uncanny way of granting cli's but, I just wanted to share my experience.

Apped and was approed for Discover IT in April 2016 with starting CL of $1,200. Immedietely put spending through with several large purchases being made. Went close to my max CL as well, never PIF holding a balance through my first 2 statements.

Fast forward to this morning, logged into my account 2nd statement had just cut, an to my suprise a $500 auto cli! Now that really caught me off guard especially seeing that I had a balance of $800 or so on my account. And according to my calender I recieved this auto cli on day 75 in which the account ws approved. Now thinking of pressing my fortunes and hitting the luv button on day 91. Any thoughts ?

Just wanted to add my experience to the forums.

Auto increases are great, you will most likely be approved for a SP CLI on day 91. You might even get a 1k plus CLI, so be excited its coming. Congrats.

Re: Discover CLI Data Points

credit_endurance — Mon, 11 Jul 2016 19:04:24 GMT

Re: Discover CLI Data Points

credit_endurance — Mon, 11 Jul 2016 19:07:40 GMT

@joeaseer wrote:
@credit_endurance wrote:
I know there are a few threads regarding Discover and there uncanny way of granting cli's but, I just wanted to share my experience.

Apped and was approed for Discover IT in April 2016 with starting CL of $1,200. Immedietely put spending through with several large purchases being made. Went close to my max CL as well, never PIF holding a balance through my first 2 statements.

Fast forward to this morning, logged into my account 2nd statement had just cut, an to my suprise a $500 auto cli! Now that really caught me off guard especially seeing that I had a balance of $800 or so on my account. And according to my calender I recieved this auto cli on day 75 in which the account ws approved. Now thinking of pressing my fortunes and hitting the luv button on day 91. Any thoughts ?

Just wanted to add my experience to the forums.
Auto increases are great, you will most likely be approved for a SP CLI on day 91. You might even get a 1k plus CLI, so be excited its coming. Congrats.

That does sound very encouraging....I am highly anticipating the upcoming days. I will keep everyone informed Thanks!

Re: Discover CLI Data Points

credit_endurance — Tue, 19 Jul 2016 21:08:52 GMT

Just an update on my Dscover IT that I wanted to share. Today was day 91 since opening the card and I had already recieved an auto cli of $500 on day 83.

Hit the luv button today and was approved for $900 total increase on the spot. It looks like Discover is in a generous mood again and that makes perfect timing for me.

Will mark my calender 31 days out and try again. Thanks for all the support and valued information this forum provides.

Re: Discover CLI Data Points

pace_it — Tue, 19 Jul 2016 21:16:40 GMT

Nice job!

I kept a balance on my new Discover It card for a few months - typically kept it around 50% since it was during the 0% intro promo period. With a starting CL of $1500, I saw an auto-CLI of $600 at 6 months and another near 12 months for $550. About a month later I paid the balance down to 5% and gave the luv button a try. It gave me an increase of $3950!

I also requested for an APR reduction, since my next statement starts the normal interest rate and was approved for a 4.75% reduction. So give that a try once you're closer to the 6 month period and see what they say.

Re: Discover CLI Data Points

credit_endurance — Tue, 19 Jul 2016 21:29:54 GMT

@pace_it wrote:
Nice job!

I kept a balance on my new Discover It card for a few months - typically kept it around 50% since it was during the 0% intro promo period. With a starting CL of $1500, I saw an auto-CLI of $600 at 6 months and another near 12 months for $550. About a month later I paid the balance down to 5% and gave the luv button a try. It gave me an increase of $3950!

I also requested for an APR reduction, since my next statement starts the normal interest rate and was approved for a 4.75% reduction. So give that a try once you're closer to the 6 month period and see what they say.

Thanks pace_it!

I will defenetily keep that in mind moving forward. I am so glad I apped and was approved for this card as it along with my Citi DC will be my everyday revolvers.

Re: Discover CLI Data Points

Anonymous — Tue, 19 Jul 2016 22:33:40 GMT

To the OP... if your SL was $1200 and you ran your card up close to the limit but paid down a significant amount perhaps whoever reviewed your account thought that your SL was a bit too low and could potentially held back your spend, thus throwing you that $500. Just a theory here. Regardless of the "reason" congratulations for sure.

Re: Discover CLI Data Points

Anonymous — Tue, 19 Jul 2016 23:08:59 GMT

my SL is 800 and im still at 800 after 90 days. denied each time for a CLI.

cant wait for it to be my turn.