topic Re: Discover IT CLI pointers? in Credit Card Applications

Discover IT CLI pointers?

Shellie — Fri, 14 Dec 2018 15:05:43 GMT

Account was opened as a secured card in April 2018. Opened with the required $200 deposit. Maintained the card perfectly for the 7 months and graduated to unsecured. The credit limit stayed $200. Tried a CLI and got denied, waited a few weeks and was denied again. I didn't know until it was pretty much time to graduate that I should have been adding money to the deposit. Any advice?

Started in April with nothing. Prior to 2018 I couldn't even pull a report because everything has always been cash. So currently the profile looks like this: Discover IT $200, Victoria's Secret $250 (opened in September 2018 with the "shopping cart trick"), personal loan for $2000 (opened September 2018. Deposited the money in a checking account and set up auto-payments to pay the loan with the loan). We are planning on applying for a mortgage in April 2019 so the Discover, VS and loan are all there to get some credit built up.

Scores currently Discover ScoreCard TU 614 : CapOne Credit Wise 642 : CK (FAKO) TU 642 EQ 641 : Lending Tree Vantage 3.0 642

Re: Discover IT CLI pointers?

Remedios — Fri, 14 Dec 2018 16:10:07 GMT

With Discover, a random string of words would be as accurate as careful analysis of available DPs.

Short version, nobody really knows. Use card when it benefits you, and ask every 30 days.

They will say yes eventually

Re: Discover IT CLI pointers?

Anonymous — Fri, 14 Dec 2018 17:23:42 GMT

OP, in case if you don't already know, the only FICO8 score on your list is Discover Scorecard. CapOne, CK and LendingTree all provide the same score, VantageScore 3.0 (Fako as you refer to).

Re: Discover IT CLI pointers?

AverageJoesCredit — Fri, 14 Dec 2018 17:27:13 GMT

With Discover, cli is given whenver an individuals aura is aligned with Jupiter and one cant determine thst until it actually occurs

Re: Discover IT CLI pointers?

FireMedic1 — Fri, 14 Dec 2018 18:42:52 GMT

OP. There is no set way to know what Disco does. Maybe take 6 candles and place your card in the center and offer your inner being to the Disco Gods to give you a AJC Special.

Re: Discover IT CLI pointers?

kshurika — Fri, 14 Dec 2018 21:35:20 GMT

When you do get your Disc CLI, be sure to call their double-dip line immediately {(800) 347-4856} and ask for an even higher limit. There will be an HP, but, as far as I can see, it's always been worth it. I made a HUGE mistake after my last CLI and forgot to call double-dip until the next day. I was told I was too late. The request has to be made on the same day as the CLI.

Re: Discover IT CLI pointers?

Remedios — Fri, 14 Dec 2018 21:43:53 GMT

@kshurika wrote:
When you do get your Disc CLI, be sure to call their double-dip line immediately {(800) 347-4856} and ask for an even higher limit. There will be an HP, but, as far as I can see, it's always been worth it. I made a HUGE mistake after my last CLI and forgot to call double-dip until the next day. I was told I was too late. The request has to be made on the same day as the CLI.

I've done it three times and there was no HP involved.

Re: Discover IT CLI pointers?

Anonymous — Fri, 14 Dec 2018 21:48:33 GMT

@kshurika wrote:
When you do get your Disc CLI, be sure to call their double-dip line immediately {(800) 347-4856} and ask for an even higher limit. There will be an HP, but, as far as I can see, it's always been worth it. I made a HUGE mistake after my last CLI and forgot to call double-dip until the next day. I was told I was too late. The request has to be made on the same day as the CLI.

kshurika, The term double dipping refers to SP only CLIs. There are 2 types of DDs, hitting the luv button after receiving an auto CLI, or calling in to ask if more is left on the table after a manual luv button CLIs, both are SP only and must be done within 24 hours of initial approval.

Of course one can always take an HP for more but that's not associated with double dipping.

Re: Discover IT CLI pointers?

Anonymous — Fri, 14 Dec 2018 22:05:50 GMT

I've only received one CLI from Discover...Think ive had it for a few years now. I may close it out if PenFed/Chase appove me for higher stuff.

Re: Discover IT CLI pointers?

kshurika — Fri, 14 Dec 2018 22:36:22 GMT

Okay, well Remedios and oldman87 say the double dip is an SP. The CLI I did with Disc in June raised me from 6K to 12K and it was an SP. Immediately, I called the number I listed above and spoke to a CSR. He said he had to read a statement to me explaining that there would be an HP for the additional CLI request. Then, he told me the HP would be TU, where I had only one inq. and not EX, where I had 9. I got another 2.5K and there was an inq. added on TU.

So, that's my experience.

Re: Discover IT CLI pointers?

Anonymous — Fri, 14 Dec 2018 22:38:52 GMT

I ask every month when my new statement cuts. Sometimes they give me $500 so far never more than that

Re: Discover IT CLI pointers?

Anonymous — Fri, 14 Dec 2018 22:49:14 GMT

@kshurika wrote:
Okay, well Remedios and oldman87 say the double dip is an SP. The CLI I did with Disc in June raised me from 6K to 12K and it was an SP. Immediately, I called the number I listed above and spoke to a CSR. He said he had to read a statement to me explaining that there would be an HP for the additional CLI request. Then, he told me the HP would be TU, where I had only one inq. and not EX, where I had 9. I got another 2.5K and there was an inq. added on TU.

So, that's my experience.

That's fine, you took an HP for additional increase, but that is not double dipping according the definition on the mother thread (1st post on page 1), double dipping means you call in to claim what is left on the table, if any, after SP CLI, Discover is known to offer half (or less) of what you qualify for when granting auto/manual SP CLIs.

Re: Discover IT CLI pointers?

AverageJoesCredit — Fri, 14 Dec 2018 23:34:51 GMT

@kshurika wrote:
When you do get your Disc CLI, be sure to call their double-dip line immediately {(800) 347-4856} and ask for an even higher limit. There will be an HP, but, as far as I can see, it's always been worth it. I made a HUGE mistake after my last CLI and forgot to call double-dip until the next day. I was told I was too late. The request has to be made on the same day as the CLI.

In reality there is no such thing as a double dip hotline. Thats just the number to regular Discover Cs. Ive never received any double dip nor even a chance at hp cli

Re: Discover IT CLI pointers?

AverageJoesCredit — Fri, 14 Dec 2018 23:38:24 GMT

@kshurika wrote:
Okay, well Remedios and oldman87 say the double dip is an SP. The CLI I did with Disc in June raised me from 6K to 12K and it was an SP. Immediately, I called the number I listed above and spoke to a CSR. He said he had to read a statement to me explaining that there would be an HP for the additional CLI request. Then, he told me the HP would be TU, where I had only one inq. and not EX, where I had 9. I got another 2.5K and there was an inq. added on TU.

So, that's my experience.

A 6k increase on sp , with Discover is amazing! But no wsy are they double dipping there as they gave you the whole table not just the scraps lol. Thats why when you wanted more they offered it via hp.

Re: Discover IT CLI pointers?

kshurika — Fri, 14 Dec 2018 23:38:54 GMT

In a much older topic here that concerned double-dipping at Disc., it seems that what was described is what I did in June. The CSR did ask at that time,"You want to see if there's any more?". That topic is also where I got the phone number.

This forum is the unchallenged best for credit info.Nothing else comes close. However, a great deal of the info provided seems contradictory, according to each member's likes, dislikes, whims or mood. For example, if I'd listened to the vast majority on my post about my then-upcoming BCP CLI, I wouldn't have gotten the triple increase I did.

So, why doesn't a member post a topic describing in detail how to do a Discover double dip. I'll read it with interest. And, maybe next time I won't freakin' forget to make the call after a CLI.

Re: Discover IT CLI pointers?

Fated4Credit — Sat, 15 Dec 2018 02:37:35 GMT

I just did my first manual CLI on my 13 month old discover card earlier tonight online, was offered $300 increase. I had 2 failed previous attempts, plus 2 small auto increases, but I never tried DD sadly. Don't want to make the mistake a 3rd time.

Since I did my CLI after 8pm ET time, should I wait until the morning to call them for the DD since i have that 24 hr. window or can I still do it tonight? My new CL is 2900

Re: Discover IT CLI pointers?

Remedios — Sat, 15 Dec 2018 02:34:30 GMT

Call tonight

Re: Discover IT CLI pointers?

kshurika — Sat, 15 Dec 2018 02:43:13 GMT

Sooner is better than later. I just found that out.

Re: Discover IT CLI pointers?

Fated4Credit — Sat, 15 Dec 2018 03:47:37 GMT

I just gave them a call about the DD, they said my CL can be raised to 3600 from 2900 😁 How soon should I see that reflected in my account? I forgot to ask about that. Should I be getting an email, don't want to have to call back & have another CR refuse the offer

Re: Discover IT CLI pointers?

Remedios — Sat, 15 Dec 2018 03:50:40 GMT

@Fated4Credit wrote:
I just gave them a call about the DD, they said my CL can be raised to 3600 from 2900 😁 How soon should I see that reflected in my account? I forgot to ask about that. Should I be getting an email, don't want to have to call back & have another CR refuse the offer

Very quickly, for me it was a simple log out and log back in.

Congrats on your increase.