topic Re: Discover CLI in Credit Cards

Discover CLI

Anonymous — Thu, 29 Apr 2010 18:20:03 GMT

Just called Discover to request an increase. I was told by a CSR that they are now only doing increases in $2k increments. I didn't proceed w/ the request because it required a hard pull. I said to the CSR, you don't do softs anymore and he replied that they did do a soft pull on my file and an alert was generated that they needed additional information a.k.a a hard pull. I said no thanks, I'll wait for my auto cli, he kinda chuckled, don't know how to interpret that!

Re: Discover CLI

score_building — Thu, 29 Apr 2010 18:27:14 GMT

@Anonymous wrote:
Just called Discover to request an increase. I was told by a CSR that they are now only doing increases in $2k increments. I didn't proceed w/ the request because it required a hard pull. I said to the CSR, you don't do softs anymore and he replied that they did do a soft pull on my file and an alert was generated that they needed additional information a.k.a a hard pull. I said no thanks, I'll wait for my auto cli, he kinda chuckled, don't know how to interpret that!

Re: Discover CLI

Anonymous — Thu, 29 Apr 2010 19:45:23 GMT

Speaking of wating for Discover's auto CLI, any one getting them after feb. 22?

Re: Discover CLI

Anonymous — Thu, 29 Apr 2010 19:59:11 GMT

I did receive an auto CLI this month.

Re: Discover CLI

score_building — Thu, 29 Apr 2010 20:11:00 GMT

@Anonymous wrote:
I did receive an auto CLI this month.

Nice, congrats!

Re: Discover CLI

Anonymous — Thu, 29 Apr 2010 20:14:40 GMT

I was told you reciever one auto CLI every 3 months for the first year, but I havent gotten one yet, I believe I will be going into 4 month here soon.... Oh well...

Re: Discover CLI

tianapb725 — Thu, 29 Apr 2010 22:04:45 GMT

I've had discover for about 2 1/2 years and just received my first credit line increase last month and it was certainly not $2K lol. It was at $3100 and is now $3800. I utilize only $500 of the credit and pay off my balance (or within 2 months).

Re: Discover CLI

Anonymous — Fri, 30 Apr 2010 00:23:37 GMT

@Anonymous wrote:
I did receive an auto CLI this month.

So did I.

Re: Discover CLI

Anonymous — Fri, 30 Apr 2010 19:24:07 GMT

Last year I had very high Credit Util on all my credit cards. Now, I have paid off discover competely, and some other cards. I still have a couple more cards that are very high util however. I called discover a couple months ago and tried to phone in the CLI. I had the option, but I needed to talk to a CSR , and they said they needed a hard pull.

So should I wait until all my credit cards are down below 10% util, or what? I would really like to increase my available credit. Do you think since they lowered my CL automatically, they will bump it back up again automatically?

Re: Discover CLI

score_building — Fri, 30 Apr 2010 19:32:36 GMT

@Anonymous wrote:
Last year I had very high Credit Util on all my credit cards. Now, I have paid off discover competely, and some other cards. I still have a couple more cards that are very high util however. I called discover a couple months ago and tried to phone in the CLI. I had the option, but I needed to talk to a CSR , and they said they needed a hard pull.

So should I wait until all my credit cards are down below 10% util, or what? I would really like to increase my available credit. Do you think since they lowered my CL automatically, they will bump it back up again automatically?

Congrats on the pay down...unfortunately Discover is likely to balk at high uti., I wouldn't bother until balances are lower, if you take your chances definitely not worth a HP imho.

Re: Discover CLI

IOBA — Fri, 30 Apr 2010 19:34:45 GMT

Discover does auto CLI? How often?

Had the card 2 or 3 yrs, never asked for one, balance zero, when charged, paid off immediately, before bill can generate. No other debt.

One medical collection -- which should not be there (bill paid before collections, HIPPA).

Should we ask?

Re: Discover CLI

score_building — Fri, 30 Apr 2010 19:38:28 GMT

@IOBA wrote:
Discover does auto CLI? How often?

Had the card 2 or 3 yrs, never asked for one, balance zero, when charged, paid off immediately, before bill can generate. No other debt.

One medical collection -- which should not be there (bill paid before collections, HIPPA).

Should we ask?

why not? you didn't say how recent the collection is, which could impact your odds of success, but if you give it shot don't let them HP; that is unless you don't mind.

Re: Discover CLI

IOBA — Fri, 30 Apr 2010 19:54:53 GMT

the medical collection is 2 yrs old? never should be there (one of those games hospital played with CA's -- all the other CA's returned it to OC - this one took it and immediately slapped it on the CR. No money is owed at all!)...been going through the DV process and HIPPA. CA is ignoring us. Haven't check it recently. With it on there, along with some debt, FICO was 648. No debt.

Have had one other CLI without asking -- different cc.