topic Re: Discover CLI question in Credit Cards

Discover CLI question

mgs2010 — Sun, 14 Feb 2010 17:09:42 GMT

Does anyone know exactly how often you can request a cli from discover without a hard pull? I thought it was 6 months...my last increase thru the automated system over the phone was in October. Yesterday I was curious so I tried again and it worked! it gave me a 750.00 increase. So, I'm wondering what the exact timeline is between cli requests so I know when to ask again.

Thanks everyone!

Re: Discover CLI question

DI — Sun, 14 Feb 2010 18:14:17 GMT

@mgs2010 wrote:
Does anyone know exactly how often you can request a cli from discover without a hard pull? I thought it was 6 months...my last increase thru the automated system over the phone was in October. Yesterday I was curious so I tried again and it worked! it gave me a 750.00 increase. So, I'm wondering what the exact timeline is between cli requests so I know when to ask again.

Thanks everyone!

Congrats on your recent CLI. When did you open the account? You shoud be eligible for a CLI's from Discover every three months during the first year of opening an account. If your account started with a high credit line, it would be every six months or once per year.

Re: Discover CLI question

mgs2010 — Sun, 14 Feb 2010 23:24:11 GMT

Thanks for the reply. I opened my discover card sometime in 2007...not sure of the exact month, I think maybe September? Anyways, it started with a 1,000 limit...raised numerous times throughout the past few years and was at 4,100 yesterday prior to my request for a cli...now its 4,850. So it should be every 6 months? Thats what I thought but I was confused because I just asked for a cli in october and was granted one then, too.

Message Edited by mgs2010 on 02-14-2010 03:24 PM

Re: Discover CLI question

DI — Mon, 15 Feb 2010 03:02:41 GMT

@mgs2010 wrote:
Thanks for the reply. I opened my discover card sometime in 2007...not sure of the exact month, I think maybe September? Anyways, it started with a 1,000 limit...raised numerous times throughout the past few years and was at 4,100 yesterday prior to my request for a cli...now its 4,850. So it should be every 6 months? Thats what I thought but I was confused because I just asked for a cli in october and was granted one then, too.
Message Edited by mgs2010 on 02-14-2010 03:24 PM

It won't hurt to keep checking for a CLI every three months via the automation system only. It won't result in a hard inquiry.

Re: Discover CLI question

Itsmeagain — Mon, 15 Feb 2010 11:33:18 GMT

It's been 6 mo. minimum for me.

Re: Discover CLI question

Anonymous — Mon, 22 Feb 2010 01:04:40 GMT

It's been over a year for me since my last increase and I still am not eligible when I try the automated phone system. I don't think any of these 3 months/6 months rules are accurate. I've seen others post that it hasn't worked for them either and still many people insist there is a schedule for regular CLI with Discover. I don't think so.

Re: Discover CLI question

DI — Mon, 22 Feb 2010 01:40:05 GMT

@Anonymous wrote:
It's been over a year for me since my last increase and I still am not eligible when I try the automated phone system. I don't think any of these 3 months/6 months rules are accurate. I've seen others post that it hasn't worked for them either and still many people insist there is a schedule for regular CLI with Discover. I don't think so.

Speaking for myself, I get my CLI's every three months. I opened my card July 2009. First increase was October. Second incease was January. My third increase is scheduled for April and final increase before going to a yearly increase will be in July.

Discover advised me upon opening my account, I would be getting CLI's every three months. They kept their word.

Re: Discover CLI question

Anonymous — Tue, 23 Feb 2010 20:12:23 GMT

3 months is always a no-go for me - 6-9 months is the norm. (I always try after 3, and never ever get one. )

FICOs in the 790s, <7%util, current CL $8k

It's definitely a ymmv thing.

Re: Discover CLI question

Anonymous — Wed, 24 Feb 2010 01:28:53 GMT

@DI wrote:
@Anonymous wrote:
It's been over a year for me since my last increase and I still am not eligible when I try the automated phone system. I don't think any of these 3 months/6 months rules are accurate. I've seen others post that it hasn't worked for them either and still many people insist there is a schedule for regular CLI with Discover. I don't think so.
Speaking for myself, I get my CLI's every three months. I opened my card July 2009. First increase was October. Second incease was January. My third increase is scheduled for April and final increase before going to a yearly increase will be in July.

Discover advised me upon opening my account, I would be getting CLI's every three months. They kept their word.

Hmm. Strange. Ficos are mid 700's across the board, no lates ever, no negatives at all... I don't know why I'm not feeling the love from them. Oh well. I just realized that on the 14th the statement cut that would have made it a full year of statements since my last increase. I'll give the automated system a try again and see what it says now. If that doesn't work, then I have no idea what the deal is. Maybe I don't use it enough. I do use it monthly, but put most of my spending through my Chase Freedom Plus card for the cash back. (Not for long though, since they charged me interest even though I paid in full BEFORE the statement...grace period is only 21 days it said on my statement. WTH? So, after 3 weeks I get whacked with interest? I'm mad at them now.)

Message Edited by UpUpUp on 02-23-2010 08:28 PM

Re: Discover CLI question

DI — Wed, 24 Feb 2010 01:34:26 GMT

@Anonymous wrote:
@DI wrote:
@Anonymous wrote:
It's been over a year for me since my last increase and I still am not eligible when I try the automated phone system. I don't think any of these 3 months/6 months rules are accurate. I've seen others post that it hasn't worked for them either and still many people insist there is a schedule for regular CLI with Discover. I don't think so.
Speaking for myself, I get my CLI's every three months. I opened my card July 2009. First increase was October. Second incease was January. My third increase is scheduled for April and final increase before going to a yearly increase will be in July.

Discover advised me upon opening my account, I would be getting CLI's every three months. They kept their word.
Hmm. Strange. Ficos are mid 700's across the board, no lates ever, no negatives at all... I don't know why I'm not feeling the love from them. Oh well. I just realized that on the 14th the statement cut that would have made it a full year of statements since my last increase. I'll give the automated system a try again and see what it says now. If that doesn't work, then I have no idea what the deal is. Maybe I don't use it enough. I do use it monthly, but put most of my spending through my Chase Freedom Plus card for the cash back. (Not for long though, since they charged me interest even though I paid in full BEFORE the statement...grace period is only 21 days it said on my statement. WTH? So, after 3 weeks I get whacked with interest? I'm mad at them now.)
Message Edited by UpUpUp on 02-23-2010 08:28 PM

I don't think I've charged no more than $200 on the card. I keep the charges low, so I can afford to PIF. Lack of usage isn't underlying factor that prohibits one from getting CLI's. Discover looks at one's entire credit history and all the lines and credit reporting on one's reports.

Re: Discover CLI question

tianapb725 — Wed, 24 Feb 2010 03:51:09 GMT

Don't feel bad...I've had the card for over 2 yrs and never received a CL increase. It started at $3100 and it has stayed at $3100.

I use the card frequently and have only carried a balance 3 months out of the entire time I've had it, but yet no increase. I haven't been pushing the increases much as I don't want it to "bring attention" and only have them decrease it as I'm not using the entire amount that's given to me (if that makes sense).

Re: Discover CLI question

Anonymous — Wed, 24 Feb 2010 19:14:19 GMT

@DI wrote:
@Anonymous wrote:
@DI wrote:
@Anonymous wrote:
It's been over a year for me since my last increase and I still am not eligible when I try the automated phone system. I don't think any of these 3 months/6 months rules are accurate. I've seen others post that it hasn't worked for them either and still many people insist there is a schedule for regular CLI with Discover. I don't think so.
Speaking for myself, I get my CLI's every three months. I opened my card July 2009. First increase was October. Second incease was January. My third increase is scheduled for April and final increase before going to a yearly increase will be in July.

Discover advised me upon opening my account, I would be getting CLI's every three months. They kept their word.
Hmm. Strange. Ficos are mid 700's across the board, no lates ever, no negatives at all... I don't know why I'm not feeling the love from them. Oh well. I just realized that on the 14th the statement cut that would have made it a full year of statements since my last increase. I'll give the automated system a try again and see what it says now. If that doesn't work, then I have no idea what the deal is. Maybe I don't use it enough. I do use it monthly, but put most of my spending through my Chase Freedom Plus card for the cash back. (Not for long though, since they charged me interest even though I paid in full BEFORE the statement...grace period is only 21 days it said on my statement. WTH? So, after 3 weeks I get whacked with interest? I'm mad at them now.)
Message Edited by UpUpUp on 02-23-2010 08:28 PM
I don't think I've charged no more than $200 on the card. I keep the charges low, so I can afford to PIF. Lack of usage isn't underlying factor that prohibits one from getting CLI's. Discover looks at one's entire credit history and all the lines and credit reporting on one's reports.

Well then I'm really at a loss because this card is my lowest limit by far and there is nothing negative on my credit history and I don't carry balances. Oh well.