topic Re: Discover CLI - request or skip? in Credit Card Applications

Discover CLI - request or skip?

Swatch — Sun, 15 Mar 2020 12:02:25 GMT

Discover gave me a CLI when I was first eligible. They say they automatically determine if I am eligible every month.

If they give none 30 days after the first CLI, then it is a waste for me to request a CLI? Or no harm done?

I don't want them to think I'm too eager, so I worry that requesting on day 30 or 31 is going to look bad. Especially if they already considered me for one automatically.

But I expect my credit score to go down more any day now, and I want that CLI beforehand if possible. (I also want to apply for a new CC.)

Re: Discover CLI - request or skip?

Anonymous — Sun, 15 Mar 2020 12:32:41 GMT

@Swatch wrote:
Discover gave me a CLI when I was first eligible. They say they automatically determine if I am eligible every month.

If they give none 30 days after the first CLI, then it is a waste for me to request a CLI? Or no harm done?

I don't want them to think I'm too eager, so I worry that requesting on day 30 or 31 is going to look bad. Especially if they already considered me for one automatically.

But I expect my credit score to go down more any day now, and I want that CLI beforehand if possible. (I also want to apply for a new CC.)

Not to encourage it, but there are some that request with them so much, that they pretty much get a letter every(other) day from them. Don't think it really matters in that aspect. Personally speaking, I've had a month where I've requested on both of mine, once or twice a week each, just to end up getting CLI's on both - with out a statement closing or anything significantly changing from my end/that I could tell. Totally up to their internal reasoning for granting it.

Only aspect I've personally seen it have an effect on, is when you call to DD. I get the impression that their system doesn't organize the requests based off of time requested or anything, but instead just batches them all together in 1 blob. Have been told "Ok, just a second. Gotta go through all of these and figure out which one it is!" after I've called in to DD - literally not even 5 minutes after.

Re: Discover CLI - request or skip?

seattletravels — Sun, 15 Mar 2020 14:10:26 GMT

@Swatch wrote:
Discover gave me a CLI when I was first eligible. They say they automatically determine if I am eligible every month.

If they give none 30 days after the first CLI, then it is a waste for me to request a CLI? Or no harm done?

I don't want them to think I'm too eager, so I worry that requesting on day 30 or 31 is going to look bad. Especially if they already considered me for one automatically.

But I expect my credit score to go down more any day now, and I want that CLI beforehand if possible. (I also want to apply for a new CC.)

I wouldn't worry about it too much OP. People request CLI from Discover all the time.

Re: Discover CLI - request or skip?

M_Smart007 — Sun, 15 Mar 2020 15:53:48 GMT

@Swatch wrote:
Discover gave me a CLI when I was first eligible. They say they automatically determine if I am eligible every month.

If they give none 30 days after the first CLI, then it is a waste for me to request a CLI? Or no harm done?

I don't want them to think I'm too eager, so I worry that requesting on day 30 or 31 is going to look bad. Especially if they already considered me for one automatically.

But I expect my credit score to go down more any day now, and I want that CLI beforehand if possible. (I also want to apply for a new CC.)

It does not hurt to try, but just because you are eligible every 30 or 31, does not mean that it will be a given.

Re: Discover CLI - request or skip?

CreditInspired — Sun, 15 Mar 2020 16:35:53 GMT

You can smash the CLI request anytime you want as long as it's a SP. You don't have to care about appearing eager or not. Either it will get approved or declined. Just do a search on Discover CLIs and you'll find there's no rhyme ot reason for approval or decline.

My concern is why do you think your scores will go down. And FYI, if you get an increase and then your scores plummet, there's a possibility that Discover just might request a 4506T. They've been known to whip out that weapon, especially if your card is newish.

IMHO, tread lightly and take the necessary steps needed to not allow your scores to go down. If you're talking about 2-5 points, no biggy. But if you're tinkering on the edge of average credit scores, I suggest not poking the bear by applying for new credit. Just my 2cents.

Now, if you provide us with some datapoints, we can give more guidance.

Re: Discover CLI - request or skip?

mrfufoppss — Sun, 15 Mar 2020 19:56:29 GMT

Dont worry I myself have requested several times in a month with no luck (Yet) The Csr told me i can request one when ever i want

Re: Discover CLI - request or skip?

joltdude — Tue, 17 Mar 2020 02:14:44 GMT

Heres one thing i will say to folks on Disco and CLIs.. you can ask as much as you want.. that said.. It only really makes sense to ask if they just pulled your TU score (for your FICO score for the statement) because you asking will still likely use the SP score they already pulled for you last month... You can figure out the date that discover pulled TU and at least to me, it only makes sense to ask every 30 days from THAT date... Just my thoughts on this... Wish they would go to pdf denial letters like other banks....

-J

Re: Discover CLI - request or skip?

magixnite — Tue, 17 Mar 2020 04:22:27 GMT

@Anonymous wrote:
@Swatch wrote:
Discover gave me a CLI when I was first eligible. They say they automatically determine if I am eligible every month.

If they give none 30 days after the first CLI, then it is a waste for me to request a CLI? Or no harm done?

I don't want them to think I'm too eager, so I worry that requesting on day 30 or 31 is going to look bad. Especially if they already considered me for one automatically.

But I expect my credit score to go down more any day now, and I want that CLI beforehand if possible. (I also want to apply for a new CC.)
Not to encourage it, but there are some that request with them so much, that they pretty much get a letter every(other) day from them.

That's me. I'm some 😂

Re: Discover CLI - request or skip?

Meanmchine — Tue, 17 Mar 2020 04:22:46 GMT

Dont worry. Be happy

Good luck

Re: Discover CLI - request or skip?

Swatch — Wed, 18 Mar 2020 00:16:50 GMT

@CreditInspired wrote:
You can smash the CLI request anytime you want as long as it's a SP.

Discover seems to want a HP for me. When I go to the CLI request page, it says something about how I understand they will need to pull my reports. Perhaps because my current balance on the Discover card is on the higher side.

I just took out a car loan so I think my scores will drop soon. Or maybe they won't drop, but that I won't get approved for more after the loan shows up.

Re: Discover CLI - request or skip?

Swatch — Wed, 18 Mar 2020 00:21:05 GMT

@joltdude wrote:
It only really makes sense to ask if they just pulled your TU score (for your FICO score for the statement) because you asking will still likely use the SP score they already pulled for you last month...

Oh, thanks! So maybe I was wrong in my previous post. Discover says "After reviewing your application, we may need to pull a credit bureau report, which may affect your credit score. In these cases, we will proceed with the application only with your consent." and they did pull my TU FICO to show me the free score recently.

Re: Discover CLI - request or skip?

Swatch — Wed, 18 Mar 2020 00:42:40 GMT

I went ahead and tried. Denied. I hope they didn't HP.

Re: Discover CLI - request or skip?

AverageJoesCredit — Wed, 18 Mar 2020 01:58:58 GMT

Dont worry, i think ive smashed like 3 straight months, and though my shredder is well fed, i still have my accounts and no hps

Re: Discover CLI - request or skip?

joltdude — Wed, 18 Mar 2020 03:31:51 GMT

The only time other than initial apping iv heard of HPs for CLIs.. you have to call them , request a CLI, and they will ask you if you want to proceed with the CLI request with HP...

Re: Discover CLI - request or skip?

mrfufoppss — Wed, 18 Mar 2020 11:41:54 GMT

This Morning My First Discover card (was secured) got its first Increase of 250..its been exactly 91days since it unsecured also i was denied twice this week Monday and Tuesday. and today (Jackpot!) so i was 1 for 3 in requesting a CL in a week .hope this helps

Re: Discover CLI - request or skip?

Swatch — Wed, 18 Mar 2020 13:07:29 GMT

@mrfufoppss wrote:
This Morning My First Discover card (was secured) got its first Increase of 250..its been exactly 91days since it unsecured also i was denied twice this week Monday and Tuesday. and today (Jackpot!) so i was 1 for 3 in requesting a CL in a week .hope this helps

Wow! Were you submitting with their online form?

Edit: Oh, I guess over 90 days was the key in this case.

Re: Discover CLI - request or skip?

Swatch — Wed, 18 Mar 2020 13:16:53 GMT

Would it be ok if I increased my income amount suddenly? I applied for the CLI yesterday and had to put income, but today I just realized I wasn't grossing up the non-taxable parts, and I think I should be.

Re: Discover CLI - request or skip?

Swatch — Wed, 18 Mar 2020 13:18:40 GMT

@joltdude wrote:
The only time other than initial apping iv heard of HPs for CLIs.. you have to call them , request a CLI, and they will ask you if you want to proceed with the CLI request with HP...

Thanks!

Do they always pull TU? And EQ?

Re: Discover CLI - request or skip?

AverageJoesCredit — Wed, 18 Mar 2020 13:37:23 GMT

@Swatch wrote:
Would it be ok if I increased my income amount suddenly? I applied for the CLI yesterday and had to put income, but today I just realized I wasn't grossing up the non-taxable parts, and I think I should be.

Id be careful here. If it isnt a huge discrepancy from what youve been putting you should be ok but sudden changes in income might make Discover more interested in your account and may invite a 4506 request. Its possible. Some people feel its their 8ncome preventing s cli, to me thsts not really the case. Nobody can figure Disco for sure snd they, like most lenders, look at a variety of factors in determining if one gets a cli.

Re: Discover CLI - request or skip?

mrfufoppss — Wed, 18 Mar 2020 15:06:33 GMT

yes submitted Via App