topic Re: Discover CLI !! in Credit Cards

Discover CLI !!

CS800 — Sat, 09 Jun 2012 13:34:03 GMT

Just passed the 6 months mark. So called to see what their internal system has in store for me.

Jumped me from $6500 to $13500 ...

I'm speechless with a SP since it was in their internal system as the CSR said.

Re: Discover CLI !!

Anonymous — Sat, 09 Jun 2012 13:40:49 GMT

That's a nice jump, congrats

Re: Discover CLI !!

Kendro — Sat, 09 Jun 2012 14:14:11 GMT

Could you please explain your exact steps? I woud like to know when it is time for me to do an increase.

Did you just simply call in and talk to an automated robot? I thought Discover made you specify how much you wanted?

Re: Discover CLI !!

Anonymous — Sat, 09 Jun 2012 14:19:19 GMT

Congrats

Re: Discover CLI !!

RockinRay — Sat, 09 Jun 2012 14:20:32 GMT

WOW! Nice!

Re: Discover CLI !!

Anonymous — Sat, 09 Jun 2012 14:36:27 GMT

I am afraid to ask how much you had to burn through on that card to get that much love from Discover...

Congrats

Re: Discover CLI !!

CS800 — Sat, 09 Jun 2012 14:36:32 GMT

@RockinRay wrote:
WOW! Nice!

Thanks, you have a Discover right? Any luck? I would call them

Re: Discover CLI !!

RockinRay — Sat, 09 Jun 2012 14:47:50 GMT

@CS800 wrote:
@RockinRay wrote:
WOW! Nice!
Thanks, you have a Discover right? Any luck? I would call them

Yep - they CLI'd me to $2000 not long ago. Next week, USAA will report I will show $172,000 open credit with less than 1% util. Once reported, it is time to call them.

As you remember, I have had a hard time getting them to give me anything! If they do not bump me to at least $5k, I will close the account.

But I am going to think positive that they will give me something!

Re: Discover CLI !!

CS800 — Sat, 09 Jun 2012 14:54:31 GMT

@Anonymous wrote:
I am afraid to ask how much you had to burn through on that card to get that much love from Discover...

Congrats

Initially I used it a lot since it was my first prime in the rebuilding process. So I put about $2000 in the first 3 months, most of it utilities.

Re: Discover CLI !!

CS800 — Sat, 09 Jun 2012 14:56:03 GMT

@Kendro wrote:
Could you please explain your exact steps? I woud like to know when it is time for me to do an increase.

Did you just simply call in and talk to an automated robot? I thought Discover made you specify how much you wanted?

I just got my 6th statement so I called and was transferred to a live person and she checkecd the internal system. That's what there was available for me. Took about 5 minutes total.

Re: Discover CLI !!

CS800 — Sat, 09 Jun 2012 14:58:06 GMT

@RockinRay wrote:
@CS800 wrote:
@RockinRay wrote:
WOW! Nice!
Thanks, you have a Discover right? Any luck? I would call them
Yep - they CLI'd me to $2000 not long ago. Next week, USAA will report I will show $172,000 open credit with less than 1% util. Once reported, it is time to call them.

As you remember, I have had a hard time getting them to give me anything! If they do not bump me to at least $5k, I will close the account.

But I am going to think positive that they will give me something!

They seem pretty reasonable to deal with but from what I have read, they tend to be pretty conservative. This just dropped my util to 3%.

Would you take a HP ?

Re: Discover CLI !!

Anonymous — Sat, 09 Jun 2012 15:01:31 GMT

@CS800 wrote:
@Kendro wrote:
Could you please explain your exact steps? I woud like to know when it is time for me to do an increase.

Did you just simply call in and talk to an automated robot? I thought Discover made you specify how much you wanted?
I just got my 6th statement so I called and was transferred to a live person and she checkecd the internal system. That's what there was available for me. Took about 5 minutes total.

I think I will try my luck once I get my 6th statement, following the same steps as you did. They started me at 4k and I would be happy if they give me just 1 or 2k more. I might even get close to putting 2k through the card by then. Thanks for keeping us updated

Re: Discover CLI !!

Anonymous — Sat, 09 Jun 2012 16:31:22 GMT

Thats nice, I am only on my 2nd statement with discover

Re: Discover CLI !!

LS2982 — Sat, 09 Jun 2012 16:54:38 GMT

CONGRATS!!!!

I'm eagerly waiting for my 6th statement, this 1K limit is just too low for me.

Re: Discover CLI !!

CS800 — Sat, 09 Jun 2012 18:44:20 GMT

Discover is a weird beast. SOme people have great luck with them but some don't..Not sure what makes them tick ...well any creditor for that sake.

Re: Discover CLI !!

webhopper — Sat, 09 Jun 2012 18:46:32 GMT

Congrats on your CLI

Re: Discover CLI !!

CS800 — Sat, 09 Jun 2012 18:49:28 GMT

@webhopper wrote:
Congrats on your CLI

Thanks, definitely a moral booster to get these cli's

Re: Discover CLI !!

Anonymous — Sat, 09 Jun 2012 18:57:15 GMT

@CS800 wrote:
Discover is a weird beast. SOme people have great luck with them but some don't..Not sure what makes them tick ...well any creditor for that sake.

I agree! They gave us $5,000 in our recent app spree. We still have an old account (closed and in good standing) from back in 1996 still reporting and that card was $2,500.

We like to think that we are taking up where we left off with Discover so, they rewarded us with double what we used to have. But, who knows what determines credit limits. We say its part income, part FICO®, etc., but -- who really knows?

Re: Discover CLI !!

CS800 — Sat, 09 Jun 2012 18:59:27 GMT

@Anonymous wrote:
@CS800 wrote:
Discover is a weird beast. SOme people have great luck with them but some don't..Not sure what makes them tick ...well any creditor for that sake.
I agree! They gave us $5,000 in our recent app spree. We still have an old account (closed and in good standing) from back in 1996 still reporting and that card was $2,500.
We like to think that we are taking up where we left off with Discover so, they rewarded us with double what we used to have. But, who knows what determines credit limits. We say its part income, part FICO®, etc., but -- who really knows?

The credit analyst said that the internal system generally pulls TU only (SP). But income and FICO is a big part. They also have their internal scoring method as I was told. AMEX does the same thing.