topic Re: Question about Discover CLI in Credit Cards

Question about Discover CLI

Anonymous — Thu, 16 Aug 2012 15:02:23 GMT

Received my Discover more at the end of may 2012 with a $1200 limit. Since then I have been putting about $500 through the card monthly and got a collection deleted from my report. My EQ was 645 when they approved, but should be at least 680 by December when I can request CLI. In that case, my question is what is the biggest 6 month CLI someone has received and what would my ballpark CLI be (or expect to receive) without HP?

Re: Question about Discover CLI

Anonymous — Thu, 16 Aug 2012 15:18:06 GMT

I Started out with a limit of 5500.00 , been a card holder since may of last yr, never got a CLI, my Tu/Exp Ficos are 786/799. I called them Tue and asked for a CLI, I told them to match my lowest Cl, which is a new Pen Fed account that i just opened with a cl of 13500.00. The csr put me on hold and a supervisor took over and told me that he has rarely seen accounts with over 10,000 limits. Im curious myself what other members Cl are, and they did a soft pull. My utl is around 8 % on all my cards, I run usually 2-3000 a month thru discover and pif each month. And no I didnt get the increase, didnt want to waste a hard pull.

Re: Question about Discover CLI

Anonymous — Thu, 16 Aug 2012 15:43:39 GMT

I had mine august of last year with 1k limit. I request for cli after 8 months it took a HP for 3k

Re: Question about Discover CLI

Anonymous — Thu, 16 Aug 2012 16:22:29 GMT

I mainly curious because my FICO will be up at least 40 points since they approved me. I hear they soft TU for the CLI which would be great because that score is just just shy of 700 now (hoping it eclipses 700 by December), so that is a drastic improvement in my record combined with the removed collection since they pegged me at 645 EQ. I would like to get up around 5k if possible

Re: Question about Discover CLI

Anonymous — Thu, 16 Aug 2012 17:24:38 GMT

Anyone else??? Come on I know there's tons of discover people on here!

Re: Question about Discover CLI

emptypockets — Thu, 16 Aug 2012 17:43:45 GMT

I have had my Discover since April, 2011. I started with a 4k limit. I asked for a CLI at 6 months (I think I asked for 2k), they would only approve me for $500 without doing a HP. I took the $500. I used the card fairly regularly, maybe 300-400 per month and PIF. They do appear to be fairly conservative.