topic Re: Discover pending cli request in Credit Card Applications

Discover pending cli request

Anonymous — Mon, 05 Oct 2015 00:19:11 GMT

I got $1500 and then two days later requested another cli and it went to pending. What are my chances for another cli if it's still pending?

Re: Discover pending cli request

mitchblue — Mon, 05 Oct 2015 00:21:41 GMT

6%. Maybe 7.

Re: Discover pending cli request

dstew201 — Mon, 05 Oct 2015 00:24:07 GMT

.000000000000000000001%

Re: Discover pending cli request

signaturecardmember — Mon, 05 Oct 2015 00:35:09 GMT

they are back to the 90 day rule pretty much

Re: Discover pending cli request

Anonymous — Mon, 05 Oct 2015 01:12:40 GMT

@Anonymous wrote:
I got $1500 and then two days later requested another cli and it went to pending. What are my chances for another cli if it's still pending?

I believe the wait time between CLIs for Discover It is 90 or 91 days. Please keep in mind that this is not guaranteed. Some people have waited 12-18 months for their first CLI so be thankful.

Discover pending cli request

Anonymous — Mon, 05 Oct 2015 07:56:43 GMT

As a data point, In June my SL was $3,200. Exactly 2 months later (August) I initiated CLI through the website, and was approved for a $1,500 increase automatically. One month later (September) I initiated a CLI thrugh the website, but was given the 2-5 day message, and the next day I saw a $4,000 increase to my current level. Both CLI's were SP. I have not received any auto CLI's.

I have low income, but usually charge $1000 per month with them, and I usually leave a balance of $100-$200 since I still have 0% intro APR. As I've read on these forums before, Discover does strange things and is very hard to predict. Please keep us posted on your hopeful success

Re: Discover pending cli request

Anonymous — Mon, 05 Oct 2015 09:12:35 GMT

I'm definitely thankful for the cli from discover. I just wanted to get some stats and datapoints, so thanks for those who have contributed

Re: Discover pending cli request

barthooper — Mon, 05 Oct 2015 12:16:01 GMT

@Anonymous wrote:
As a data point, In June my SL was $3,200. Exactly 2 months later (August) I initiated CLI through the website, and was approved for a $1,500 increase automatically. One month later (September) I initiated a CLI thrugh the website, but was given the 2-5 day message, and the next day I saw a $4,000 increase to my current level. Both CLI's were SP. I have not received any auto CLI's.

I have low income, but usually charge $1000 per month with them, and I usually leave a balance of $100-$200 since I still have 0% intro APR. As I've read on these forums before, Discover does strange things and is very hard to predict. Please keep us posted on your hopeful success

As somone just approved for the Discover It this past week, thanks. Good to have a timeline of CLI activity. I've heard they are generally conservative with CLIs but they have been very good to you in such a short time. Congrats!

Re: Discover pending cli request

Anonymous — Tue, 06 Oct 2015 08:01:52 GMT

@Anonymous wrote:
I got $1500 and then two days later requested another cli and it went to pending. What are my chances for another cli if it's still pending?

Did you get the 1-2 day pending or the 7-10 day pending message? I don't recall reading about anyone getting the 1-2 day message and being out right rejected. The 7-10 day message seems like less than a 50/50 shot from the posts I've read. Just keep checking your available credit, because they usually don't send a "your credit line has been increased" email after the pending message, it just appears.

My main goal was to get over a $5000 CL to get a visa signature or WEMC next year, so my next CLI request probably won't be until the end of the year. Good Luck, and keep us posted!

Re: Discover pending cli request

ojefferyo — Wed, 07 Oct 2015 00:00:07 GMT

Here's a couple data points

Discover IT CLI of $4k on 8/24/15 then was denied after 34 days for another CLI, but on 10/4/15 I requested another CLI and got another $4k. All request went into 2 day pending

Current limit $25.7k

Discover MILES 8/7/2015 CLI of $4k, 9/14/2015 requested a CLI and got $4k. First request was instant since it was after the first 90 days of having the card second request went 2 day pending.

Current limit $12.5k

Re: Discover pending cli request

Anonymous — Wed, 07 Oct 2015 02:21:18 GMT

It wasn't 90 days for me. Got a CLI on 9/4. Requested another CLI on 10/5, and it was approved today 10/6. Went from 11.5K to 18K. I plan to try again next month on 11/6 or so.

Re: Discover pending cli request

-Cain- — Wed, 07 Oct 2015 02:25:38 GMT

@Anonymous wrote:
It wasn't 90 days for me. Got a CLI on 9/4. Requested another CLI on 10/5, and it was approved today 10/6. Went from 11.5K to 18K. I plan to try again next month on 11/6 or so.

Similar CLI for me. Upped to $11.9 on 9/2, now went to $17.9 today.

Re: Discover pending cli request

barthooper — Wed, 07 Oct 2015 02:44:33 GMT

@-Cain- wrote:
@Anonymous wrote:
It wasn't 90 days for me. Got a CLI on 9/4. Requested another CLI on 10/5, and it was approved today 10/6. Went from 11.5K to 18K. I plan to try again next month on 11/6 or so.

Similar CLI for me. Upped to $11.9 on 9/2, now went to $17.9 today.

Congrats to both of you! Those are hefty bumps. Because of the double cash bonus almost all of my spend will be going to Discover for the next year, except for gas and groceries which will be on Sallie Mae, unless Discover has those for quarterly categories. Definitely seems like it could surpass my Quicksilver for being my highest limit in pretty short order.

Mind sharing how much spend was going through your cards and if you PIF during that time or carried a balance during the 0% intro? Thanks.

Re: Discover pending cli request

-Cain- — Wed, 07 Oct 2015 02:51:38 GMT

@barthooper wrote:
@-Cain- wrote:
@Anonymous wrote:
It wasn't 90 days for me. Got a CLI on 9/4. Requested another CLI on 10/5, and it was approved today 10/6. Went from 11.5K to 18K. I plan to try again next month on 11/6 or so.

Similar CLI for me. Upped to $11.9 on 9/2, now went to $17.9 today.
Congrats to both of you! Those are hefty bumps. Because of the double cash bonus almost all of my spend will be going to Discover for the next year, except for gas and groceries which will be on Sallie Mae, unless Discover has those for quarterly categories. Definitely seems like it could surpass my Quicksilver for being my highest limit in pretty short order.

Mind sharing how much spend was going through your cards and if you PIF during that time or carried a balance during the 0% intro? Thanks.

I spend only $300 or so a month on this card, but have been carrying a balance of about $2k for a little bit now during 0%. I'll pay it off in April when 0% promo runs out

Re: Discover pending cli request

barthooper — Wed, 07 Oct 2015 03:09:36 GMT

@-Cain- wrote:
@barthooper wrote:
@-Cain- wrote:
@Anonymous wrote:
It wasn't 90 days for me. Got a CLI on 9/4. Requested another CLI on 10/5, and it was approved today 10/6. Went from 11.5K to 18K. I plan to try again next month on 11/6 or so.

Similar CLI for me. Upped to $11.9 on 9/2, now went to $17.9 today.
Congrats to both of you! Those are hefty bumps. Because of the double cash bonus almost all of my spend will be going to Discover for the next year, except for gas and groceries which will be on Sallie Mae, unless Discover has those for quarterly categories. Definitely seems like it could surpass my Quicksilver for being my highest limit in pretty short order.

Mind sharing how much spend was going through your cards and if you PIF during that time or carried a balance during the 0% intro? Thanks.

I spend only $300 or so a month on this card, but have been carrying a balance of about $2k for a little bit now during 0%. I'll pay it off in April when 0% promo runs out

Wow. That's not bad at all. I heard Discover was conservative. Looking forward to seeing what the CLI button does for me after 90 days and then I guess I'll try it monthly after that.

Re: Discover pending cli request

Anonymous — Wed, 07 Oct 2015 15:18:16 GMT

@barthooper wrote:
@-Cain- wrote:
@Anonymous wrote:
It wasn't 90 days for me. Got a CLI on 9/4. Requested another CLI on 10/5, and it was approved today 10/6. Went from 11.5K to 18K. I plan to try again next month on 11/6 or so.

Similar CLI for me. Upped to $11.9 on 9/2, now went to $17.9 today.
Congrats to both of you! Those are hefty bumps. Because of the double cash bonus almost all of my spend will be going to Discover for the next year, except for gas and groceries which will be on Sallie Mae, unless Discover has those for quarterly categories. Definitely seems like it could surpass my Quicksilver for being my highest limit in pretty short order.

Mind sharing how much spend was going through your cards and if you PIF during that time or carried a balance during the 0% intro? Thanks.

I PIF, and used the card as my daily spending card. I probably put 2K on the card last month.