topic Re: Discover IT CLI 91 Day Calculation in Credit Cards

Discover IT CLI 91 Day Calculation

Anonymous — Wed, 06 Jan 2016 18:30:47 GMT

There are numerous posts of people getting a 91 day CLI after opening the account, but it looks like I'm not so lucky. I have a $1,400 SL and put roughly $1,400 a month through the card and PIF many times a statement cycle. I've tried the CLI option on my 91st and 92nd day, but it just denies saying it will send a letter why. I've calculdated the days based on the opening statement date on my first statement. Since I've had the card, my scores have risen and almost all my baddies are gone. I want a good CLI from Discover so I can close my secured card and CreditOne card without affecting % utilization much. Any ideas?

Re: Discover IT CLI 91 Day Calculation

pizza1 — Wed, 06 Jan 2016 18:36:05 GMT

for me, its 91 days plus 3 statements. have you had 3 statements cut yet?

and also, if you do get one, dont be surprised if its just $500. Dont expect a really high CLI.

Re: Discover IT CLI 91 Day Calculation

Anonymous — Wed, 06 Jan 2016 18:49:32 GMT

I have a two week gap between my 91st day and my 3rd statement cut. So it's looking like wait till the 3rd statement and try again?

Re: Discover IT CLI 91 Day Calculation

barthooper — Wed, 06 Jan 2016 19:25:48 GMT

My 91st day passed this week but I thought it would be better to wait till my 3rd statement which will cut on the 18th. My SL is 11k. I've put maybe 3k or 3500 through it. and I PIF once but it was less than 1,000. Not expecting a huge CLI but hopeful and I'll take what I can get, if anything.

Re: Discover IT CLI 91 Day Calculation

CYBERSAM — Wed, 06 Jan 2016 19:30:54 GMT

@Anonymous wrote:
I have a two week gap between my 91st day and my 3rd statement cut. So it's looking like wait till the 3rd statement and try again?

That 3rd statement is the key, then after that 6th statement!
With Discover I went from 3K to 8,500 to 11,500 in exactly 6 statements.
Also the same 3 statement rule applies for QS1 if you have been using it regularly, then upgrade it to QS to wave the AF and then combine the 2 cards!

OH, and burn that CreditOne card!

Looking at your line up, I see myself 6 months ago

Re: Discover IT CLI 91 Day Calculation

Anonymous — Wed, 06 Jan 2016 19:33:13 GMT

@Anonymous wrote:
I have a two week gap between my 91st day and my 3rd statement cut. So it's looking like wait till the 3rd statement and try again?

Well, also see what the letters say. If it is something like insufficient experience with current credit line, then maybe.

Re: Discover IT CLI 91 Day Calculation

pizza1 — Wed, 06 Jan 2016 19:39:40 GMT

@Anonymous wrote:
I have a two week gap between my 91st day and my 3rd statement cut. So it's looking like wait till the 3rd statement and try again?

Anytime I ever ttried before 91 days and 3 statements cut in between CLI's, I was denied. After that 3rd SM cut, approved. I get $500 every 91 days + 3 sm's. Not a sealed deal of course, but Im taking them!! I would try after that 3rd SM cut and see what happens.

Re: Discover IT CLI 91 Day Calculation

Anonymous — Thu, 07 Jan 2016 00:56:53 GMT

@CYBERSAM wrote:
@Anonymous wrote:
I have a two week gap between my 91st day and my 3rd statement cut. So it's looking like wait till the 3rd statement and try again?
That 3rd statement is the key, then after that 6th statement!
With Discover I went from 3K to 8,500 to 11,500 in exactly 6 statements.
Also the same 3 statement rule applies for QS1 if you have been using it regularly, then upgrade it to QS to wave the AF and then combine the 2 cards!

OH, and burn that CreditOne card!

Looking at your line up, I see myself 6 months ago

Cool, I'll try again right after my third stattement cuts. On the QS1, I thought they went every 6 months. Is that incorrect? I was planning on combining the Platinum and QS1 to a QS. When were you able to upgrade your QS1 to a QS? For some bizarre reason, many people said they upgraded their Platinum to a QS with no AF after the second statement. Then they combined their QS1 into the QS. I'm looking forward to an Amex in 6 months like you, although I'm leaning toward the BCP for the groceries and gas.