topic Re: Discover card CLI request in Credit Card Applications

Discover card CLI request

Anonymous — Sat, 12 Jun 2021 21:30:08 GMT

I've had my Discover card for 4 years. It started as a secured card then after 1 year it was unsecured with a total cl of $2,000. I have other cards with high limits upwards of 20K. I've been requesting a CLI from Discover for years only to be denied. So today I got the "2 day review your account" message for the first time in 3 years. Utilization is at 50% right now but almost 70k in credit. I'm hoping that Discover increases my limit - I've never been late on that card. Will keep you posted.

Re: Discover card CLI request

OmarGB9 — Sat, 12 Jun 2021 21:59:11 GMT

Good luck!

Re: Discover card CLI request

Mr_Mojo_Risin — Sat, 12 Jun 2021 23:53:21 GMT

I wish you luck, it's a lot of hit and miss according to others experiences.

I've had 1 CLI of $500 when my card turned a year old, bringing me to 1500 SL. This week I bought my grandson a playstation for his birthday with the Discover card, I have a 0% APR till next April, that's why I used Discover.

I'm gonna let much more cut on the statement than I normally do, usually PIF by statement or 1%. I'm hoping that might get me a little more of the Disco love, idk, we'll see.

Keep us updated on your result, good luck!

Re: Discover card CLI request

Yasselife — Sun, 13 Jun 2021 00:11:32 GMT

Piece of advice, don't request Cl too often; I was using the soft pull button on the app and They AA me. There was not other reason ( clean profile, payed in full...)It's been 3 yrs and can't get back in. Something to keep in mind.

Re: Discover card CLI request

Anonymous — Sun, 13 Jun 2021 04:01:45 GMT

@Yasselife

I m sorry what does the acronym AA stand for? Thanks.

Re: Discover card CLI request

FinStar — Sun, 13 Jun 2021 04:45:39 GMT

@Anonymous wrote:
@Yasselife
I m sorry what does the acronym AA stand for? Thanks.

AA = Adverse Action

https://ficoforums.myfico.com/t5/User-Guidelines-General/Common-Abbreviations/m-p/88458

Re: Discover card CLI request

AverageJoesCredit — Sun, 13 Jun 2021 13:59:45 GMT

@Anonymous wrote:
I've had my Discover card for 4 years. It started as a secured card then after 1 year it was unsecured with a total cl of $2,000. I have other cards with high limits upwards of 20K. I've been requesting a CLI from Discover for years only to be denied. So today I got the "2 day review your account" message for the first time in 3 years. Utilization is at 50% right now but almost 70k in credit. I'm hoping that Discover increases my limit - I've never been late on that card. Will keep you posted.

Back in the day that was often a good sign but i dont think it means much nowadays. Just getting anything other than instant denial is a win though.

Re: Discover card CLI request

Bkist21 — Sun, 13 Jun 2021 15:02:35 GMT

I've had mine since June 2019 and finally got a CLI a couple of days ago for the first time! Good Luck!

Re: Discover card CLI request

FalconSteve — Sun, 13 Jun 2021 17:22:33 GMT

@Yasselife wrote:
Piece of advice, don't request Cl too often; I was using the soft pull button on the app and They AA me. There was not other reason ( clean profile, payed in full...)It's been 3 yrs and can't get back in. Something to keep in mind.

My wife requests CLI all the time and hasn't had an AA (until the last one, they were only $300 each, so Discover grew VERY slow). They never seem to care about frequent CLI requests in our case, but we always pay before statements even post, so that likey helps (we're very low risk).

Re: Discover card CLI request

AverageJoesCredit — Mon, 14 Jun 2021 14:07:53 GMT

@FalconSteve wrote:
@Yasselife wrote:
Piece of advice, don't request Cl too often; I was using the soft pull button on the app and They AA me. There was not other reason ( clean profile, payed in full...)It's been 3 yrs and can't get back in. Something to keep in mind.
My wife requests CLI all the time and hasn't had an AA (until the last one, they were only $300 each, so Discover grew VERY slow). They never seem to care about frequent CLI requests in our case, but we always pay before statements even post, so that likey helps (we're very low risk).

Ive been known to hulk smash back in the good ol days, pre Pandemic, we had some fun here on myFico with Ms Disco. I still continue to hit the luv button for fun but not as much. I have in my mind they could throw a 4506 at me if they want as they have been doing it more often to people but im mentally prepared to lose my cards if i have to. Having 30+ ccs allows me that and i enjoy using only 1 card nowadays as i try to tackle my debt. I agree though here havent seen much in negatives by always asking for a cli

Re: Discover card CLI request

Anonymous — Mon, 14 Jun 2021 16:32:56 GMT

Update - got a phone call 📱 from Discover this morning and they increased my limit by $750. I guess I will have to be satisfied because that's all they are dishing out. Went from $2,000 to $2,750 - I expected at least $5,000 but oh well. It is what it is. 😊

Re: Discover card CLI request

FinStar — Mon, 14 Jun 2021 17:05:08 GMT

As the OP has provided an update on their CLI, this thread is now locked and closed to new messages.