topic Re: Discover auto CLI in Credit Cards

Discover auto CLI

Believe1970 — Sat, 27 Aug 2011 04:53:22 GMT

I applied for a Discover card 3 months ago thinking I would not get it since I was rebuilding. They gave me the card with low limit($1000). Just logged in to the website and it shows a cli from $1000 to $1350. Small, but it's something.

Re: Discover auto CLI

clocktick — Sat, 27 Aug 2011 04:54:23 GMT

Congrats! How much have you used it in the last 3 months?

Re: Discover auto CLI

Mandazoid — Sat, 27 Aug 2011 04:56:36 GMT

Awesome!

Which Discover card do you have? Do you know what bureau they pulled from when you applied?

Re: Discover auto CLI

-Cain- — Sat, 27 Aug 2011 05:00:09 GMT

Congrats on the CLI, you must be treating the account right. I'd also like to to know about usage as I just got my Discover wih similar CL and would like to be in line for future CLIs.

Re: Discover auto CLI

Believe1970 — Sat, 27 Aug 2011 05:07:44 GMT

I Have the Discover More card. They pulled from Equifax.

Re: Discover auto CLI

Believe1970 — Sat, 27 Aug 2011 05:11:31 GMT

I've spent $532 over the last three months. PIF every month. My total utilization is 15% on all accounts combined.

Re: Discover auto CLI

-Cain- — Sat, 27 Aug 2011 05:16:26 GMT

Thanks for the reply. It sounds good, regular usage and PIF. I am thinking of making it my primary and PIF monthly, so hopefully I'll get an auto CLI as well.

I know Discover pulled EQ for me here in Cali, but I've read some posters state that they pulled both EQ and TU, did this happen to you?

Re: Discover auto CLI

Believe1970 — Sat, 27 Aug 2011 05:31:40 GMT

Thanks everyone. They only pulled from Equifax. I live in New York.

Re: Discover auto CLI

Meltdownblitz — Sat, 27 Aug 2011 05:46:25 GMT

That's awesome congrats. I actually have a discover more as well with a similar limit and i spent 500 bucks the first weekend I got the card and maxed out the cap on the rotating categories, been paying it off in bigger amounts of 100, 300, in the last 2 months. I been paying slower because I won't use the card again till oct when the next category starts because I only use this card for the 5% cash back categories. Hopefully they give me an auto CLI within the next month. I'll pay it all off before oct when the new category starts. Btw they pulled EQ for me as well here in Vegas.

Re: Discover auto CLI

Believe1970 — Sat, 27 Aug 2011 05:53:15 GMT

Thanks Meltdownblitz! I've been paying all my monthly utilities on it and taking advantage of the 5% cashback categories also.

Re: Discover auto CLI

Meltdownblitz — Sat, 27 Aug 2011 06:00:06 GMT

But you don't get 5% cb on utilities on this card..? I know on the citi dividend platinum for students you do for the first 6 months.

Re: Discover auto CLI

Believe1970 — Sat, 27 Aug 2011 06:05:29 GMT

No, but if I pay it through my bank account I don't get anything. Discover gives 0.25% for first $3000 spent and then 1% after on everything else. Just makes sense to me to try and earn something on it.

Re: Discover auto CLI

Anonymous — Sun, 28 Aug 2011 11:15:09 GMT

How does the 5% cashback category work?

Re: Discover auto CLI

miltown81 — Mon, 05 Sep 2011 22:08:08 GMT

I called Discover 2 days ago to find out for sure if requesting a CLI results in a hard or soft pull. The CSR informed me that it was both. If the computer does a soft pull and determines that you dont qualify simply on your score, they will ask your permission to do a hard pull to follow through on the request.

Re: Discover auto CLI

Anonymous — Tue, 06 Sep 2011 22:16:32 GMT

I don't get discover...I got started on the same limit, very similar credit scores. I ran through 3.5k in three months and no CLI at all. WTH.

Re: Discover auto CLI

Believe1970 — Tue, 06 Sep 2011 22:31:26 GMT

That's weird. I only spent about $167/month and paid in full and got the increase.

Re: Discover auto CLI

Anonymous — Wed, 07 Sep 2011 00:27:13 GMT

@Anonymous wrote:
I don't get discover...I got started on the same limit, very similar credit scores. I ran through 3.5k in three months and no CLI at all. WTH.

I have never got a CLI on this card, ever. No idea what they want to see and what not.

Re: Discover auto CLI

mxp114 — Wed, 07 Sep 2011 00:35:48 GMT

I just got a $3,500 CLI a few days ago via calling the credit dept and having the credit supervisor manually review.

Re: Discover auto CLI

miltown81 — Sat, 10 Sep 2011 15:09:50 GMT

@mxp114 wrote:
I just got a $3,500 CLI a few days ago via calling the credit dept and having the credit supervisor manually review.

Did this still create a hard inquiry?

Re: Discover auto CLI

mxp114 — Sat, 10 Sep 2011 18:32:45 GMT

Yeah she did, which I didn't realize she would. So I called back and asked for a CLI recon, the rep gave me $5000 more for a total of $8500 CLI added to my six month account. He did say Discover is conservative and typically wouldn't recon a CLI but he made an exception