topic Re: Discover CLI Timeline in Credit Card Applications

Discover CLI Timeline

Anonymous — Mon, 06 Nov 2017 21:35:40 GMT

Just got my Discover card, hoping for it to grow. I am just wondering when is a good/typical time to request the first CLI? (I've read about double dipping and all of that, I just don't know how long they want you to have the card before getting a CLI.) And then after the first one is it request every 6 months or?

Re: Discover CLI Timeline

Anonymous — Mon, 06 Nov 2017 21:43:32 GMT

Type first Discover CLI into the searchbar and you'll see it's most common to get one after the 3rd statement cuts!

Re: Discover CLI Timeline

RadioRob — Mon, 06 Nov 2017 21:42:11 GMT

It varies from person to person, but there is no penalty for mashing on whatever schedule you like. I know some folks here make it a weekly activity.

TYPICALLY I see 300-500 offered up every 3-6 months in my experience.

Re: Discover CLI Timeline

CreditMagic7 — Mon, 06 Nov 2017 21:42:22 GMT

Nice. Others will weigh in to that waiting time after new approval for you but many of us pay them a visit for SP CLI every 91 days or so.

Good Luck in seeing it grow well for you

Re: Discover CLI Timeline

Anonymous — Tue, 07 Nov 2017 03:41:10 GMT

I've had my Discover IT card for around 4-5 months now. The starting limit was pretty low, and I was thinking of requesting an increase, but around the 3rd month they gave me an auto CLI. It's still not a super high limit, but decent enough for now.

I'd say give it about three months and see what happens. If they don't offer one up, then ask.

Re: Discover CLI Timeline

Anonymous — Tue, 07 Nov 2017 04:03:47 GMT

If you ever get an auto cli from discover make sure to log in and double dip on the website.

Re: Discover CLI Timeline

Anonymous — Tue, 07 Nov 2017 04:17:35 GMT

For anyone looking to increase their Discover CL on a new account, I'd give it the standard 3-4 cycles to see if you get an auto-CLI first and then double dip if you do get one. If after 3-4 cycles you don't see an auto-CLI, I'd recommend requesting your first CLI. If denied or approved, try again in 30-60 days, your choice. No harm in trying more often, but I think every 30-60 days is a good amount of time between requests.

Re: Discover CLI Timeline

Anonymous — Tue, 07 Nov 2017 04:17:51 GMT

I received my card last Dec. I wasn’t granted an increase until April (roughly 120 days). I have received one every month since then.

Re: Discover CLI Timeline

Anonymous — Tue, 07 Nov 2017 05:35:30 GMT

Opened my discover IT on 8/4 for $10k. Waited until 91 days (technically 92 because I waited one more day so as to request on a weekday) today 11/6, and requested CLI. They gave me $3k, called to ask for more but required a HP & was feeling too lazy to unfreeze reports. I intend to request again in another 60 days & continue that schedule. Good luck

Re: Discover CLI Timeline

DeeBee78 — Wed, 08 Nov 2017 00:48:03 GMT

I try every month, when my statement cuts.

I'm denied every month, when my statement cuts.

Re: Discover CLI Timeline

Anonymous — Wed, 08 Nov 2017 01:08:18 GMT

At least you get free mail every month! Always exciting for the postal worker to come a-knockin!

Re: Discover CLI Timeline

Kooliad — Mon, 20 Nov 2017 19:23:30 GMT

Just hit button and got 1.5K on Discover IT, got card back in April 2nd Cli since that time. From 3k to 8k to 9.5k

Re: Discover CLI Timeline

Anonymous — Tue, 21 Nov 2017 04:43:32 GMT

If there is one thing I've learned about Discover from these forums, it's that it's a different experience for each person. The only standard seems to be waiting until after the 3rd statement for your first CLI then you have to just push the button often after that until you find out if you are on the weekly train, monthly train, 60 day train, 90 train, or never train. So far I've found them stingy as ever. Great card though and I love getting all the decline letters constantly in my mail saying "insufficient experience with current discover card credit limit". It makes me feel someone is always thinking about me and constantly writing me.

Re: Discover CLI Timeline

DeeBee78 — Thu, 23 Nov 2017 00:53:54 GMT

@Anonymous wrote:
If there is one thing I've learned about Discover from these forums, it's that it's a different experience for each person. The only standard seems to be waiting until after the 3rd statement for your first CLI then you have to just push the button often after that until you find out if you are on the weekly train, monthly train, 60 day train, 90 train, or never train. So far I've found them stingy as ever. Great card though and I love getting all the decline letters constantly in my mail saying "insufficient experience with current discover card credit limit". It makes me feel someone is always thinking about me and constantly writing me.

I'm definitely on the "never" train here. I opened the card back in February or March, and immediately used it for BT's from a few Comenity store cards I had.

Even if I was on the 6 month train, I'm way past that now. I guess she will just sit there at a zero balance until they decide to close it on me.

Re: Discover CLI Timeline

Anonymous — Thu, 23 Nov 2017 01:01:32 GMT

I would like to say the reason you did not receive an increase is because you packed it with balance transfers and carried that balance. However, my own experience shows that even if you spend and PIF, you still might not get an increase.

But with all that said, if you only did BT and paid it down, then maybe you should try some spending and PIF before you totally give up on the card. Then if that does not work, totally give up on the card lol.

Re: Discover CLI Timeline

MrTom — Sat, 23 Dec 2017 19:46:52 GMT

What were you running your UTL rate at on this card at the time of the cli? What about your overaul utl?