topic Re: Discover CLI rules in Credit Card Applications

Discover CLI rules

Anonymous — Thu, 02 Feb 2017 19:30:19 GMT

Are all of you waiting 31 days from when you applied and were approved right away from last CLI or until 31 days after you received your confirmation email a few days later before attempting another SP CLI

Re: Discover CLI rules

austinguy907 — Thu, 02 Feb 2017 20:53:42 GMT

I do mine every other month on the 1st at this point and the last 2 times were 6K or more. There's not really any timing though to getting approved or not for a CLI with Disco. Some get 30/60/90 days and others get one every 6 mo's or a year. It depends on your profile, use, payments, and so on.

http://ficoforums.myfico.com/t5/Credit-Cards/Discover-unOfficial-Data-Points/td-p/4802538

Those of us with the card and who hang around here often know there's no real pattern with Disco and it's all over the place. Trying to figure it out will drive you crazy and you just have to find what works for you and your profile.

Re: Discover CLI rules

Anonymous — Fri, 03 Feb 2017 03:08:46 GMT

I got a CLI in early January and decided to try again on the 31st...too soon.

Re: Discover CLI rules

Danique — Tue, 07 Feb 2017 00:10:08 GMT

I was planning to wait until I received my 3rd statement but after reading this post, I decided to pull the trigger. I received a $400 increase. Now, Im up to a $1200 CL. Still my lowest card but I appreciate Discover taking a chance on me. I'm enjoying it quite a lot.!!!

Re: Discover CLI rules

austinguy907 — Tue, 07 Feb 2017 00:30:02 GMT

Disco doesn't POP like some others do but, they will grow with you as time passes. Just keep up the hard work and it will pay off.

Re: Discover CLI rules

Anonymous — Sat, 11 Feb 2017 19:57:59 GMT

My wife's account had gotten a 4,500 increase in November (generated by Discover) after reading this I requested a CLI and got another $4,500 today.

Re: Discover CLI rules

BRIVERS73 — Sat, 11 Feb 2017 23:37:13 GMT

I started out with 5.5k last may and has since grown to 30k. My last increase was about 6 days ago for 6k. I ask for an increase twice every three months and each time I get the 2 day message followed by an $4500 to $6500 increase although My first three increases range between $500 to $3000.

Re: Discover CLI rules

Anonymous — Sun, 12 Feb 2017 12:59:37 GMT

Discover is so hit or miss it feels like. I've only gotten 2 auto CLI one for $1k and 1 for $500. I've hit the button many times but they always give me the 2 day notice and deny my request lol. Good luck though!

Re: Discover CLI rules

Anonymous — Thu, 09 Mar 2017 02:04:28 GMT

Discover is very strange! I have a 754 TU fico score and just hit one year with their card and all I have been given was two 500 CLI every 6 months. no late payments and 5% Credit utilization. I don't get it. sad

Re: Discover CLI rules

austinguy907 — Thu, 09 Mar 2017 02:59:06 GMT

@Anonymous wrote:
Discover is very strange! I have a 754 TU fico score and just hit one year with their card and all I have been given was two 500 CLI every 6 months. no late payments and 5% Credit utilization. I don't get it. sad

Well....... I see one issue already that you didn't mention hitting the CLI button yourself. If you're waiting on sometning dramatic from Disco on their own will it's going to be a long wait. You have to be persistent with Disco if you want them to do anything. If you don't put the work in you won't get rewarded.

Re: Discover CLI rules

Anonymous — Thu, 09 Mar 2017 03:04:20 GMT

I hit the CLI button every 30 days....still nothing! I finally wrote them and will end up calling because this is pathetic! I have friends with scores in the 680's that got 3-5k CLI. I should have been clearer in my last post.

Re: Discover CLI rules

austinguy907 — Thu, 09 Mar 2017 03:18:05 GMT

@Anonymous wrote:
I hit the CLI button every 30 days....still nothing! I finally wrote them and will end up calling because this is pathetic! I have friends with scores in the 680's that got 3-5k CLI. I should have been clearer in my last post.

Clarity helps... It happens though. Ok so Disco doesn't base everything off of score or they would jump in CL's like AMEX does with mine being in the 830's. It's a long and arduous path to redemption sometimes. Every 30 days is a bit too much from experience. I would switch it up to 60 days for a couple of cycles and see how they handle that and if it still sucks then expand it to 90 days.

@When I started out with them I was @ 744 for an approval. Disco gave me a paltry $4500 when AMEX came in right off the approval at $10K. 90 days later AMEX jumped to 30K It several months of tinkering with the CLI button with Disco to get them up there. It's counter intuitive wiht Disco in comparison to other lenders. I have a couple of extensive threads on them due to the lack of info around here preceding my experience with them.

http://http://ficoforums.myfico.com/t5/Credit-Card-Approvals/My-first-year-with-Discover-Data-Points/m-p/4705523

http://ficoforums.myfico.com/t5/Credit-Cards/Discover-unOfficial-Data-Points/td-p/4802538

I took the approach of playing hard to get with them the first year and just picked a couple of bills to put on there and setup autopay for the balance. Disco is like a crock pot where you put your stuff into the pot, turn it on, and come back at the end of the day to fetch it.

Re: Discover CLI rules

Anonymous — Thu, 09 Mar 2017 12:48:05 GMT

@Anonymous wrote:
Discover is very strange! I have a 754 TU fico score and just hit one year with their card and all I have been given was two 500 CLI every 6 months. no late payments and 5% Credit utilization. I don't get it. sad

Agreed- there are more than a few people here in that situation and with that type of overall very solid profile who have had similar experiences. Discover is definitely weird and unpredictable.

A manager at Discover has mentioned to me that Discover considers cardholders "new" until they reach 18-24 months of card ownership. Pretty strange.

For my last several CLI's, Discover has only given them with tons of spending. Conversely, CLI's from a year or two ago only resulted after zero spending occurred for 5 months. A smaller amount of monthly spending (normal usage) resulted in zero CLI for quite some time. So no pattern that makes discernible sense for many people with solid overall profiles.

The CLI's I have received occurred only when I was carrying a large balance on both Discover cards. I've not received a CLI when paying in full. Discover just is difficult to predict.

Sorry to hear and keep trying.

Re: Discover CLI rules

Anonymous — Thu, 09 Mar 2017 13:30:45 GMT

@Anonymous wrote:

A manager at Discover has mentioned to me that Discover considers cardholders "new" until they reach 18-24 months of card ownership. Pretty strange.

Well, if that's true, they have no problem allowing "new" cardholders to grow their accounts to monster limits as several people have referenced starting with $4000-$6000 limits and getting them to $30k-$40k in a year or so.

Re: Discover CLI rules

Anonymous — Thu, 09 Mar 2017 14:12:12 GMT

@Anonymous wrote:
Discover is very strange! I have a 754 TU fico score and just hit one year with their card and all I have been given was two 500 CLI every 6 months. no late payments and 5% Credit utilization. I don't get it. sad

@Anonymous wrote:
@Anonymous wrote:

A manager at Discover has mentioned to me that Discover considers cardholders "new" until they reach 18-24 months of card ownership. Pretty strange.

Well, if that's true, they have no problem allowing "new" cardholders to grow their accounts to monster limits as several people have referenced starting with $4000-$6000 limits and getting them to $30k-$40k in a year or so.

Perhaps that is true for some cardholders, but certainly not for all, including those with very solid profiles.

There have been a number of posts from people who are frustrated with Discover and have solid profiles, so it's not their profiles or something they are doing wrong. Discover is just a difficult animal to predict, as happyman correctly indicates above.

Re: Discover CLI rules

Anonymous — Sun, 07 May 2017 18:31:41 GMT

every card I own get huge CLI every 3-6 months...for some reason, Discover doesn't like me...my TU fico is 760! no late payments no baddies