topic Re: Discover Question in Credit Cards

Discover Question

Anonymous — Thu, 03 Sep 2015 20:24:11 GMT

I've read and was told by a CSR from Discover that you can request a CLI online after 90 days of account opening. Has anyone had any success with this?

Re: Discover Question

Anonymous — Thu, 03 Sep 2015 20:25:36 GMT

That's what the general consensus is but then it's always a case of YMMV

Re: Discover Question

Anonymous — Thu, 03 Sep 2015 20:31:51 GMT

@Anonymous wrote:
I've read and was told by a CSR from Discover that you can request a CLI online after 90 days of account opening. Has anyone had any success with this?

I got an increase by using the button at 90 days, and another at 120 days, I believe. This was not part of the "Discover train." My increases were after the train left town.

Re: Discover Question

steel_string — Thu, 03 Sep 2015 20:32:56 GMT

You can request a CLI right after your third statement cuts. No need to wait the full 90 days.

Re: Discover Question

Anonymous — Fri, 04 Sep 2015 03:52:53 GMT

Do people typically have high success rate with the 90 CLI?

Re: Discover Question

ojefferyo — Fri, 04 Sep 2015 05:53:00 GMT

@Anonymous wrote:
I've read and was told by a CSR from Discover that you can request a CLI online after 90 days of account opening. Has anyone had any success with this?

Yes you will be eligble after 90 days, usually right after the 3rd statment cuts. Depending on your payments also, they like significant payments.

Re: Discover Question

Anonymous — Fri, 04 Sep 2015 06:13:53 GMT

Just do it and report back to be honest. It's ALWAYS a SP UNLESS it states it's going to be hard. If you just see an income, rent, Employer hit submit. Rejection won't cause a waiting period. I hit one everyday for a week leading up to my statement cutting, once I received the estatement I hit submit on one and instant approval from 1500->3500.

When I say go and do it I really mean it, it won't hurt you in any way shape or form other than you may receive a decline letter for each attempt. I've got about 19. I did do a BT on my card for about 1400 btw, paid it off because I shuffled my balances around for a week to optimize my score until a paycheck came to get uti down to 0. That may have helped my CLI, the BT was paid off before a statement ever cut reflecting it.

Re: Discover Question

Anonymous — Fri, 04 Sep 2015 09:05:46 GMT

@Anonymous wrote:
Just do it and report back to be honest. It's ALWAYS a SP UNLESS it states it's going to be hard. If you just see an income, rent, Employer hit submit. Rejection won't cause a waiting period. I hit one everyday for a week leading up to my statement cutting, once I received the estatement I hit submit on one and instant approval from 1500->3500.

When I say go and do it I really mean it, it won't hurt you in any way shape or form other than you may receive a decline letter for each attempt. I've got about 19. I did do a BT on my card for about 1400 btw, paid it off because I shuffled my balances around for a week to optimize my score until a paycheck came to get uti down to 0. That may have helped my CLI, the BT was paid off before a statement ever cut reflecting it.

Re: Discover Question

Anonymous — Fri, 04 Sep 2015 14:57:01 GMT

Today was the 91st day of my account opening...took all your advice and went and hit submit, got approved for $400 increase, was kind of surprised after all of the high increases here lately. Oh well, at least it's something, I'll hit it again in another 90 days!