topic Re: Discover cli in Credit Card Applications

Discover CLI Question

Anonymous — Fri, 10 May 2019 07:40:35 GMT

To: knowledgeable parties related to Discover CLI topic

Tomorrow (May 3) my Discover it Cash Back account ages to 91 days. They have cut two statements so far, and my cycle is on the 13th of the month. While of course I'm eager to, "Push the CLI request," button, I am certainly willing to wait, if there is data that supports better odds, with 91 days clear *and* 3 statements cut.

Previous statement balance was $15, pif on April 14. Current activity totals $220. CL is $7k. I suppose the follow-up question would be, should I pay the current balance to $0 prior to hitting the luv button?

Please advise!

Re: Discover cli

CCrew — Thu, 02 May 2019 16:50:49 GMT

FYI, recently read an article shortly after their earnings report that they were re-evaluating limits and cutting back CLI's.. I'd tread carefully these days. I'm sitting at a limit I'll never use, so I'm just sitting back watching personally.

Re: Discover cli

AverageJoesCredit — Thu, 02 May 2019 16:56:46 GMT

@Anonymous, Discover is not Navy Federal, 91/3 does not apply.

Re: Discover cli

Anonymous — Thu, 02 May 2019 17:09:39 GMT

@AverageJoesCredit wrote:
91/3 does not apply.

AJC, thank you for confirming this. 24 hours and I'm hitting that button! How will I sleep tonight?

Re: Discover cli

AverageJoesCredit — Fri, 10 May 2019 12:12:56 GMT

How did it go? I still cant get anything on my first card lol.

Re: Discover cli

Anonymous — Fri, 10 May 2019 13:54:54 GMT

Not sure if put too much stock in that article. I was approved for a $9500 credit line just 4 weeks ago

Re: Discover cli

slither43 — Fri, 10 May 2019 14:33:03 GMT

@AverageJoesCredit wrote:
How did it go? I still cant get anything on my first card lol.

And knowing Disco, they'd probably give you a huge CL on a second card while denying CLI's on the first!!

Re: Discover cli

KLEXH25 — Fri, 10 May 2019 17:35:31 GMT

@AverageJoesCredit wrote:
How did it go? I still cant get anything on my first card lol.

OP mentioned in another thread that they got + $3k CLI (no DD). So no AJC special like us lol.

Re: Discover cli

GenesisLS — Fri, 10 May 2019 23:48:09 GMT

And OP's disco card in signature confirms $7k --> $10k. Not bad.

Re: Discover cli

Physh1 — Sun, 12 May 2019 19:38:27 GMT

Go for it...Discover doesn't have any hardline cli rules, clock resets, or any weirdness. It's funny about the rumor they may be cutting limits. I got a $5100 boost this morning on my 1rst discover it I rarely use bringing it up to $26,000 & I also got a $3000 bump on my 5 month old 2nd discover it that is now up to $9000.

Re: Discover cli

Anonymous — Sun, 12 May 2019 23:14:24 GMT

Did you request those or did Disco just give them?

Re: Discover cli

Anonymous — Mon, 08 Jul 2019 23:04:26 GMT

Disco is for sure odd... I've had 1 or 2 little $500 CLIs since I got the card back in August 2018. Thought I'd try my luck at CLI last week.. initially gave me another $500. I thought, well then.. I accidentally fat fingered the "cancel" button, then went thru the process again, and BAM - $5000 CLI. Kind of shocked me a bit... still waiting for that "oops, our mistake" message to come my way.