topic HOW TO GET A CLI WITH DISCOVER in Credit Cards

HOW TO GET A CLI WITH DISCOVER

sylviagarcia — Mon, 27 Jul 2015 22:23:03 GMT

So I recently was approved for a Discover card which I was thrilled about due to its rewards and awesome customer service.

I am here wanting to know how the process of getting a CLI with Discover is.. I have received plenty of info on the NFCU Rewards Visa and how they're SP and CLI works but I haven't heard anything on Discover - do I wait and see if they SP or AR or how does it work with them? Do I not ask and wait for them to give it to me etc.. ???

Thanks for all the help.

Re: HOW TO GET A CLI WITH DISCOVER

kdm31091 — Mon, 27 Jul 2015 22:34:46 GMT

They want to see usage and history first. Discover does SP CLIs but not usually right when you get the card.

Re: HOW TO GET A CLI WITH DISCOVER

Anonymous — Mon, 27 Jul 2015 22:39:01 GMT

I got an auto-CLI around 6 months. Edit: I requested a CLI a few months after the auto and it was a HP

Re: HOW TO GET A CLI WITH DISCOVER

Anonymous — Mon, 27 Jul 2015 22:47:22 GMT

Be advised that generally their CLI's are going to be less than you may be used to with other cards.

Re: HOW TO GET A CLI WITH DISCOVER

sylviagarcia — Mon, 27 Jul 2015 22:48:17 GMT

What do you mean that they'll be less than what I'm used to?

Thanks for all the feedback

Re: HOW TO GET A CLI WITH DISCOVER

morgacj2004 — Mon, 27 Jul 2015 22:53:13 GMT

I will use my card for example. I had an initial CL of $500 45 days later $900 and 45 days after that $1200. You will rarely see DC giving huge CLI. You have to be patient. All CLI were SP and they always sent me a letter as to the status of the CLI. I have been succ waiting 45 days between approvals. They were handing out CLI on a weekly basis but those days are now over.

Re: HOW TO GET A CLI WITH DISCOVER

sylviagarcia — Mon, 27 Jul 2015 22:57:26 GMT

Ohh I see.. but is that with everyone or it depends?? (The 45 days cli's?)

Re: HOW TO GET A CLI WITH DISCOVER

taxi818 — Mon, 27 Jul 2015 23:26:55 GMT

@sylviagarcia wrote:
Ohh I see.. but is that with everyone or it depends?? (The 45 days cli's?)

Its 90 days for cli's . every 90 days. if you want to request. but if you wait. they will auto cli if heavy usage. now during the Disco Gravy train. we were getting them every 16 days. but that was unusual. just make it your number 1 and they will show you love.

Re: HOW TO GET A CLI WITH DISCOVER

creditfan — Mon, 27 Jul 2015 23:33:18 GMT

show heavy use you will get cli eventually

mine was take advantage of double cash promo, I spent 82% of 4.5k cl and I just got auto cli to more than 10k

good luck

Re: HOW TO GET A CLI WITH DISCOVER

sylviagarcia — Mon, 27 Jul 2015 23:34:43 GMT

Taxi818;

Sorry you kind of lost me there...

What I am understanding is: "IF" I want to request a CLI I have to wait 90 days.. from the day I opened the account... right? BUT, you are saying that they will auto CLI if I use the card alot? I thought we were suppose to keep out balance at $0 to make our score go up.. am I completely lost???

I do use another secured card ALOT because it gives me points but I PIF every month.. every now and then I'll leave like 7% balance on it.. but that's it.. all the other cards are $0..

Can you please clarify? Because I do want to make sure Discover is my #1

Thanks

Re: HOW TO GET A CLI WITH DISCOVER

Anonymous — Mon, 27 Jul 2015 23:36:41 GMT

then make it your number one and see what happens lol

Re: HOW TO GET A CLI WITH DISCOVER

taxi818 — Mon, 27 Jul 2015 23:42:41 GMT

@sylviagarcia wrote:
Taxi818;

Sorry you kind of lost me there...

What I am understanding is: "IF" I want to request a CLI I have to wait 90 days.. from the day I opened the account... right? BUT, you are saying that they will auto CLI if I use the card alot? I thought we were suppose to keep out balance at $0 to make our score go up.. am I completely lost???

I do use another secured card ALOT because it gives me points but I PIF every month.. every now and then I'll leave like 7% balance on it.. but that's it.. all the other cards are $0..

Can you please clarify? Because I do want to make sure Discover is my #1

Thanks

Ok will clarify. Keep in mind each lender is different from the other. In the Case of Discover specifically. You as Card holder can request a cli every 90days. even from time of getting card. It will more than likely be hp cli and small increase.

However.Knowing Discover the way most of us know them. That is not the best case of action with them.

I will explain below best case.

But history. I got my disco last August with 2500 limit. 90 days asked for cli. got 500 increase and hp.

Waited another 90 days and did it again. got another 500 increase to 3500 total limit.

Only after i started using my Discover for every thing even little purchases did they show some love. I does not matter if you leave a balance as it is 0 percent interest as least for me it was for 15 months. most now are 12 months. its not about always paying in full. you need to show need for the Cli with Discover and the only way to do that. is a simple trick. Almost max that puppy out. Let it report on your credit report that is what you did. Then pay most of it off. and repeat. and Discover will be smiling as they give you auto increase. You will not have to request. so now. im even getting more 0 percent offers. another year for balance transfers because discover beleives they are my number 1. hehehe. But i have Sded them. because i need to pay my high balance off now. which i will take a year to do it. Hope you understand now. Usage with Discover is always the best route. let it report the balance. Then pay. then do it again.

Re: HOW TO GET A CLI WITH DISCOVER

sylviagarcia — Mon, 27 Jul 2015 23:45:33 GMT

Ahhh.. Ok.. I got it

Thanks so much...

Re: HOW TO GET A CLI WITH DISCOVER

taxi818 — Mon, 27 Jul 2015 23:50:32 GMT

@sylviagarcia wrote:
Ahhh.. Ok.. I got it

Thanks so much...

You are welcome. Btw. My current limit with Discover is $7500. so really a 5k increase in less than a year. So i cannot complain at all.

Re: HOW TO GET A CLI WITH DISCOVER

Anonymous — Tue, 28 Jul 2015 02:09:42 GMT

For whatever reason, I applied for a card with Discover today and they gave me a $6,000 credit limit. I don't know why.... That's alot more than I was expecting.

Re: HOW TO GET A CLI WITH DISCOVER

Anonymous — Tue, 28 Jul 2015 02:15:55 GMT

well we are even. i got a lot less than expected lol. my average credit line (add them all up and divide by the number of cards) is $2,433.3333333333 and they gave me $800 lol

Re: HOW TO GET A CLI WITH DISCOVER

Anonymous — Tue, 28 Jul 2015 02:22:21 GMT

So that brings up a question. I dont currently have a Discover card. I had one a long time ago and it was my second line of credit ever back in college and it was paid in full and (i think) on time and eventually terminated. My score is currently 700-750 and i have a QS1 with a $9k limit and a DCU Plat Visa with a %15,000 limit. If i apply for a Discover card, what would be a good estimate for a credit limit they would extend to me? I won't even bother if it's a small limit.

Re: HOW TO GET A CLI WITH DISCOVER

Anonymous — Tue, 28 Jul 2015 02:30:58 GMT

i used the heck out of my card for about 80 days and requested a increase by pushing the luv button. I got 4000.00 to bring me to 10,000.00. By using the heck out of the card, I mean I used it for everything from parking ,redbox and gum to dinners, plane tickets, and rental cars. I used the web portal for my normal online purchases and I paid all of my household bills, but rent and electricity with the card. I paid online everythime I got paid so 2 times a month. Oh, I almost forgot I did a balance transfer a few days after recieving the card so while I do carry a balance, that balance has been steadily decreasing by about 400 a month.

Re: HOW TO GET A CLI WITH DISCOVER

Imperfectfuture — Tue, 28 Jul 2015 02:46:29 GMT

@taxi818 wrote:
@sylviagarcia wrote:
Taxi818;

Sorry you kind of lost me there...

What I am understanding is: "IF" I want to request a CLI I have to wait 90 days.. from the day I opened the account... right? BUT, you are saying that they will auto CLI if I use the card alot? I thought we were suppose to keep out balance at $0 to make our score go up.. am I completely lost???

I do use another secured card ALOT because it gives me points but I PIF every month.. every now and then I'll leave like 7% balance on it.. but that's it.. all the other cards are $0..

Can you please clarify? Because I do want to make sure Discover is my #1

Thanks
Ok will clarify. Keep in mind each lender is different from the other. In the Case of Discover specifically. You as Card holder can request a cli every 90days. even from time of getting card. It will more than likely be hp cli and small increase.
However.Knowing Discover the way most of us know them. That is not the best case of action with them.
I will explain below best case.
But history. I got my disco last August with 2500 limit. 90 days asked for cli. got 500 increase and hp.
Waited another 90 days and did it again. got another 500 increase to 3500 total limit.
Only after i started using my Discover for every thing even little purchases did they show some love. I does not matter if you leave a balance as it is 0 percent interest as least for me it was for 15 months. most now are 12 months. its not about always paying in full. you need to show need for the Cli with Discover and the only way to do that. is a simple trick. Almost max that puppy out. Let it report on your credit report that is what you did. Then pay most of it off. and repeat. and Discover will be smiling as they give you auto increase. You will not have to request. so now. im even getting more 0 percent offers. another year for balance transfers because discover beleives they are my number 1. hehehe. But i have Sded them. because i need to pay my high balance off now. which i will take a year to do it. Hope you understand now. Usage with Discover is always the best route. let it report the balance. Then pay. then do it again.

Okay, le taxi, I want only 500 increase. They based initial CL on income, which does not warrant maxing a 4500 card out, then pay down (if it's my one and only, MAYBE 2k). How does one get the magic even number? For my income, I cannot complain about starting limits (even Aviator is overkill). Just want 5k vs 4.5k.

Re: HOW TO GET A CLI WITH DISCOVER

Imperfectfuture — Tue, 28 Jul 2015 02:48:26 GMT

@Kyliemarie85888 wrote:
For whatever reason, I applied for a card with Discover today and they gave me a $6,000 credit limit. I don't know why.... That's alot more than I was expecting.

Congrats (they have changed certain underwriting criteria).