topic Re: Too early for a CLI? in Credit Cards

Too early for a CLI?

Jatindrj — Thu, 23 Aug 2012 03:55:40 GMT

I got a CapOne card last year with a 3k limit and no increase yet. In the past couple months, I also got a Chase Slate 2.5k and then a Discover More(?) 1.5k. I'm just wondering if or when I should try and get an increase.

Re: Too early for a CLI?

laz98 — Thu, 23 Aug 2012 04:01:26 GMT

You can certainly ask, but Capital One is not known for being particularly generous with CLIs.

Re: Too early for a CLI?

Anonymous — Thu, 23 Aug 2012 04:02:17 GMT

Cap One is not very cli friendly at all. I'm not 100% sure on this but it is my understanding that they do not currently accept customer initiated clis. Since you've had the card for awhile I guess it couldn't hurt to try but it is very unlikely that they will be able/willing to do anything for you.

Re: Too early for a CLI?

jamesdwi — Thu, 23 Aug 2012 04:02:18 GMT

@Jatindrj wrote:
I got a CapOne card last year with a 3k limit and no increase yet. In the past couple months, I also got a Chase Slate 2.5k and then a Discover More(?) 1.5k. I'm just wondering if or when I should try and get an increase.

CapOne won't give you a CLI if you got it last century.

Re: Too early for a CLI?

Anonymous — Thu, 23 Aug 2012 04:03:33 GMT

@jamesdwi wrote:
@Jatindrj wrote:
I got a CapOne card last year with a 3k limit and no increase yet. In the past couple months, I also got a Chase Slate 2.5k and then a Discover More(?) 1.5k. I'm just wondering if or when I should try and get an increase.
CapOne won't give you a CLI if you got it last century.

Lol yeah I'm still waiting after 3+ years

Re: Too early for a CLI?

Jatindrj — Fri, 24 Aug 2012 04:54:41 GMT

Figures. I guess I'll give it a try anyway. What'a chases and discovers stand on it? I saw an option to request an increase on discovers site but when I clicked on it it said unavailable.

Re: Too early for a CLI?

Anonymous — Thu, 23 Aug 2012 04:19:17 GMT

Chase is always a hard pull unless you call the executive office and can coerce them to do a soft.

Discovers luv button is a soft pull and their system will counter offer if you are not eligible for the full amount you request. If you are not eligible for a sp cli you will get an error message telling you to call in when you press the luv button

Edit- since you got an error message from discover it means you aren't eligible for a sp cli. Have you had the account for less than six months? If not- i'm pretty sure that discover will not grant a CLI unless you've had the card for at least six months.

Re: Too early for a CLI?

Jatindrj — Fri, 24 Aug 2012 04:56:40 GMT

Ok thanks. Yea my account is only on its second month so Ill try iafter the 6 months if I dont get an automatic. One last question, how are limits decided? I was surprised to get a 3k limit from CapOne on my first card but more surprised that the two following were lower than that.