topic Re: Discover CLI Timeframe in Credit Cards

Discover CLI Timeframe

Anonymous — Wed, 27 Apr 2016 03:06:37 GMT

How often should I request a CLI with Discover via the luv button? Is it every 30 days or every 90 days?

Re: Discover CLI Timeframe

Anonymous — Wed, 27 Apr 2016 04:05:59 GMT

@Anonymous wrote:
How often should I request a CLI with Discover via the luv button? Is it every 30 days or every 90 days?

Supposedly, you can do it every 30 seconds I've only ever been able to get it at 91 days, though.

Re: Discover CLI Timeframe

B335is — Sun, 01 May 2016 22:04:48 GMT

Bumping this because I'm also wondering what the latest results are with Discover CLI. Last year they were giving them to me every two (2) weeks for awhile. Are people having better luck at 30 days now?

Re: Discover CLI Timeframe

jamesdwi — Sun, 01 May 2016 22:24:21 GMT

90 days seems to be the magic number for me.

and the last couple have only been $500 each, but still the card has gone from 6k to 11.5 in a few years. More than I can say for my target card, still stuck at $200 after 4 years.

Re: Discover CLI Timeframe

CreditMagic7 — Sun, 01 May 2016 22:30:08 GMT

@jamesdwi wrote:
90 days seems to be the magic number for me.

and the last couple have only been $500 each, but still the card has gone from 6k to 11.5 in a few years. More than I can say for my target card, still stuck at $200 after 4 years.

Some are able to snatch up nice SP CLI's at 30+, 60+, days on occasion if not frequently from them.

Mine right now do seem hard coded at 91+ days but not bad going from an initial SL of $1.4K to $8K now thanks in part to last summer's every 17 day Discover train.

Re: Discover CLI Timeframe

B335is — Sun, 01 May 2016 22:33:47 GMT

So it sounds like two weeks is out, I'll try it at 30 days.

Re: Discover CLI Timeframe

EW800 — Sun, 01 May 2016 23:07:11 GMT

It seems like Discover may have different time frames for different accounts or profiles. My last couple of increases, following the 16/17-day fun we had many months ago, have come at about 60 days. I know several people have reported 90 days, however I have been lucky at about 60.

Re: Discover CLI Timeframe

Appleman — Sun, 01 May 2016 23:09:15 GMT

My CLI this weekend was between 30 and 60 days since the last CLI.

My utilization has dropped to 6% overall and scores have really jumped.

I was at $16,900 for years, got active in myFICO and requested a CLI and was granted $2,000 5-6 weeks ago. Tried the CLI this weekend and was raised to $24,900.

Re: Discover CLI Timeframe

Anonymous — Sun, 01 May 2016 23:20:03 GMT

@EW800 wrote:
It seems like Discover may have different time frames for different accounts or profiles. My last couple of increases, following the 16/17-day fun we had many months ago, have come at about 60 days. I know several people have reported 90 days, however I have been lucky at about 60.

I wish I knew about this at the time Discover was giving the every two week increases. I'm sure my linit would have grown nicely.

Re: Discover CLI Timeframe

JagerBombs89 — Mon, 02 May 2016 03:50:08 GMT

@EW800 wrote:
It seems like Discover may have different time frames for different accounts or profiles. My last couple of increases, following the 16/17-day fun we had many months ago, have come at about 60 days. I know several people have reported 90 days, however I have been lucky at about 60.

Re: Discover CLI Timeframe

Anonymous — Mon, 02 May 2016 11:29:44 GMT

I wish I had known about them giving out CLIs like candy. My SL was 1400 in Aug of last year. I've only asked for one CLI since I've had it thinking its every 90 days. They increased me to 2900 in Nov. when speaking to the rep he said I did good by calling them on my 91st day of opening the acct. I'm calling them today for another increase to make up for the closure of my CreditOneVulture bank card.

Re: Discover CLI Timeframe

Anonymous — Mon, 02 May 2016 11:35:51 GMT

Since January I've been CLI'ing successfully every other month. Once my cycle cuts in about a week I'm going to try again and see if I they'll give me a bump after 30 days.

Re: Discover CLI Timeframe

Anonymous — Mon, 02 May 2016 12:32:16 GMT

here's a question for those that do UNDER 91+ day marks.... do you guys get an instant decision? the one with the 'CLI slider' (see attached pic). or do you get the '2 day msg' and hope for the best?

*i've only seen the 'slider' when i requested at 91+ day marks.

Re: Discover CLI Timeframe

baller4life — Mon, 02 May 2016 12:34:07 GMT

31/61/91 days seems to be the intervals. So if 31 days doesn't work, go to the next interval.

Re: Discover CLI Timeframe

Anonymous — Mon, 02 May 2016 13:09:46 GMT

Are CLIs soft or hard pulls? My only CLI was a soft pull. I absolutely CANNOT have a hard pull right now. Mortgage process.

Re: Discover CLI Timeframe

baller4life — Mon, 02 May 2016 13:31:12 GMT

They are sps. They will ask your permission if they need to hp. You can simply decline.

Re: Discover CLI Timeframe

Anonymous — Mon, 02 May 2016 13:34:18 GMT

I got my card back in March . Requested a cli at 31 days and was instantly denied. Was expecting it. Will try back 90days.

Re: Discover CLI Timeframe

Anonymous — Mon, 02 May 2016 13:39:59 GMT

Thanks baller4life! I just requested an increase and it stated its "under review. Decisions are typically made in 2 business days."

Re: Discover CLI Timeframe

baller4life — Mon, 02 May 2016 13:55:57 GMT

@Anonymous wrote:
Thanks baller4life! I just requested an increase and it stated its "under review. Decisions are typically made in 2 business days."

Good luck. I received my largest cli after 2 day message!

Re: Discover CLI Timeframe

Anonymous — Mon, 02 May 2016 13:58:41 GMT

Thanks! I'm gonna remain positive as Discover and I have a great relationship. So we'll see!