topic Re: Discover and Util and CLI in Credit Cards

Discover and Util and CLI

Creditaddict — Tue, 30 Dec 2008 03:40:24 GMT

I used my Discover Business card for BT and today paid all but about 17% util on it. how long should I wait with the new lower balance before asking for CLI?

and is discover one of the banks that takes love button away when you don't qualify? because I don't see it anywhere.

Re: Discover and Util and CLI

Anonymous — Tue, 30 Dec 2008 03:48:18 GMT

not sure i'd be interested in finding out this answer also but my card is not a business card though

Re: Discover and Util and CLI

Anonymous — Tue, 30 Dec 2008 03:49:44 GMT

You can call for increase but I haven't seen a Luv Button with Discover.

Re: Discover and Util and CLI

Anonymous — Tue, 30 Dec 2008 03:53:03 GMT

Not sure if it works the same for business cards, but with the personal cards there's no button on the site to request a CLI - but you may get the option to request a CLI when you press option 5 on their automated menu when you call. Doesn't work for me - I get the message to press 5 for various options (one of which is to request a CLI), but then that menu only has things like 'press 1 if your card is worn out and you'd like to order a replacement, press 2 if blah blah blah' - something like that.

I've only had my card 4 months though, so I'm not surprised the option's not available. Sounds like people have more luck after the six month mark. How long have you had the card?

Re: Discover and Util and CLI

Creditaddict — Tue, 30 Dec 2008 04:11:23 GMT

well based on my balance and my payments, I should be right around the 6 month mark... I will wait until next week when payment clears and try the automated thing

Re: Discover and Util and CLI

Anonymous — Tue, 30 Dec 2008 10:55:47 GMT

I received an automatic CLI, I didn't ask for one, when my util went down. My balance was down to just under $1500 from the high of 4837.60, 85% util, also due to BT's. The auto CLI was in April or May. Then in Beginning of December I called in and asked for a $1200 CLI through the automated system. I got that as well.

At the beginning of the year my CL was $5700, now it's $8K. And I like that even number a lot more.

Re: Discover and Util and CLI

Anonymous — Tue, 30 Dec 2008 15:25:37 GMT

Discover card doesn't have a luv button on the site. You have to call for a CLI.