topic Re: Discover CLIs in Credit Cards

Discover CLIs

isoldmyatlas — Wed, 27 Mar 2013 15:22:38 GMT

1 month from now is my 6 month point with Discover. I know they do auto CLIs but that they usually arent that big, and if you ask for a large one they'll generally say its a HP. I know they pull TU/EQ, which is great for me since I barely have any INQs on those: come April, it will be 1 w/i the past year on TU, and 2 w/i the past year on EQ.

So I'm thinking if Discover asked to do a HP, I would let them do it. But what should I ask for? My limits are in my siggy, but for all the mobile users out there, I'll post them here too.

Cap1 $750, AMEX Green NPSL, Discover IT $3000, Chase Amazon $1100, AMEX Hilton HHonors $4000, AMEX BCE $4000, Chase Southwest $6500

Re: Discover CLIs

teddybearkelli1 — Wed, 27 Mar 2013 17:54:17 GMT

I would ask for max possible, no harm no foul, worse case scenario they will counter offer. If it were me, I'd ask them to match my highest limit of $6500 (from your siggy). Knowing Discover, they will not match, but no harm in atleast trying. Worse case scenario, they come back and say sorry we can only give you "x".

Re: Discover CLIs

Awesomely — Wed, 27 Mar 2013 19:41:46 GMT

What' the max CLI that discover gives? I have a $2,250 More card and have been with them for 4 years now, I hope to get at least a $2,750 CLI to get to get to $5,000 so I can apply for the Sapphire Preferred. Scores over 800 also.

Re: Discover CLIs

teddybearkelli1 — Wed, 27 Mar 2013 19:54:18 GMT

I have never heard of a set max for a CLI. Each individual is looked at separately based on their individual whole credit picture. If your situation can support a huge CLI, they will give it. I really don't think there is a set cap, but others may chime in if they know otherwise.

Re: Discover CLIs

youngandcreditwrthy — Wed, 27 Mar 2013 23:48:43 GMT

If you're going to take a HP , I'd request $10k.
If the rep asks why, say you'd like to use the card more-that simple!

Re: Discover CLIs

LS2982 — Wed, 27 Mar 2013 23:55:53 GMT

Yearmark was today... no auto luv.

I am so disappointed with discover. I feel like SDing It.

Re: Discover CLIs

navigatethis12 — Thu, 28 Mar 2013 01:08:00 GMT

@LS2982 wrote:
Yearmark was today... no auto luv.

I am so disappointed with discover. I feel like SDing It.

I haven't gotten an automated increase either, though I don't use the card at all. I reckon it's just hit and miss with them. My mom has one at 13000 from 1985 and I believe it has never gotten any automated increases, and she never asks for increases on her cards either.

Re: Discover CLIs

WarJar101 — Fri, 29 Mar 2013 06:28:32 GMT

That's a YCW excuse for sure, lol...go for the max amout possible. Put some base in your voice when you call them too, let 'em know that you mean business!

Re: Discover CLIs

Anonymous — Fri, 29 Mar 2013 08:11:36 GMT

Add me to the list.. My limit is $1,200 and I have been with them a year as of yesterday. I called to inquire for a cli as the love button didn't work and they denied me.. They stated I would get a letter in the mail. I can't say I am surprised due to I don't use the card all too often. I have read on this board that you use it a lot to get their attention, but they are definitely hit or miss.

Re: Discover CLIs

dodgerslv — Fri, 29 Mar 2013 08:39:16 GMT

I got denied for a CLI via SP also but declined the HP. I am waiting for my Cap1 new limit to update and i think i am going to call them request increase to 5000 (via HP of course) . You guys think that is not asking for the moon? My TU is at 712 (from Discover) with a 51 dollar paid collection from 2011 with only 4 INQ (last one back in October 2012).

Re: Discover CLIs

namvet — Fri, 29 Mar 2013 12:00:16 GMT

Discover gave me a auto CLI from $6500 to $8000 at the end of my 5th month.

Re: Discover CLIs

dddewdrop — Fri, 29 Mar 2013 12:05:06 GMT

I concur with what someone else here said. Might as well ask for a nice round number like 10k.

Re: Discover CLIs

LS2982 — Fri, 29 Mar 2013 12:29:07 GMT

So whats the news OP?? Did you go for it?

Re: Discover CLIs

Open123 — Fri, 29 Mar 2013 14:00:25 GMT

@isoldmyatlas wrote:
1 month from now is my 6 month point with Discover. I know they do auto CLIs but that they usually arent that big, and if you ask for a large one they'll generally say its a HP. I know they pull TU/EQ, which is great for me since I barely have any INQs on those: come April, it will be 1 w/i the past year on TU, and 2 w/i the past year on EQ.

There's a pretty good chance you may receive an auto CLI at the 6 month mark.

I received an auto CLI on my Discover after 6 months. It wasn't an earthshattering increase, but still about 30% increase.

Good luck!

Re: Discover CLIs

isoldmyatlas — Sat, 30 Mar 2013 16:38:30 GMT

Thanks for the input, everyone! Although I don't think I'd ask for 10k, I think they'd be pretty skittish about that since I've gone from 0 to 7 cards in the past year! For those of you who did get an increase after 6 months, how soon after your 6th statement cut did it happen?

Re: Discover CLIs

kevinjjc — Sat, 30 Mar 2013 18:24:29 GMT

@LS2982 wrote:
Yearmark was today... no auto luv.

I am so disappointed with discover. I feel like SDing It.

I know it sucks, but you might have to sacrifice a hard if you want a CLI from Discover. If you SD it, you probably won't ever get an auto CLI from Discover. What was your usage like on your Discover card?

Re: Discover CLIs

jjayla81 — Wed, 19 Jun 2013 02:46:12 GMT

After lurking forever I decided to start sharing. I know this is a late response, but I got my Discover with an initial credit limit of 2,500 the end of 2011 and pretty much kept it maxed for most of 2012, this year I finally started being proactive with util % making multiple payments a month and got an unexpected auto CLI to 10,400 in April which was about 14 months after getting the card. I'm guessing had I been better with my ratios in 2012 I would've gotten an increase sooner.

Re: Discover CLIs

Bay_Area_Joe — Wed, 19 Jun 2013 03:02:56 GMT

If you are going to take the HP, go for 20k as that is the max without docs, that is what i was told last week.

Home improvement is a great reason why you need so much.

Re: Discover CLIs

E150GT — Wed, 19 Jun 2013 03:04:37 GMT

It seems to me they like reasonable balance carrying. I got all kinds of auto love from them when I carried a balance. I went from starting at $3k to $6100 while carrying a balance and paying intrest all within a year and a half. I dont do that any more and no more auto love. I did request an increase a few months back. I think I asked to go from $6100 to 10k. They came back with a SP increase of $500 or try for more with a HP. I took the SP increase. I wouldnt use too many hard pulls with discover when a good amout of usage can lead to auto increases. I save my hard pulls for cards like chase where an auto CLI is a rare thing.

Re: Discover CLIs

Anonymous — Wed, 19 Jun 2013 15:15:44 GMT

By jove! I think I've discovered the secret to getting a CLI from Discover: automatic monthly charges.

After 15 months with Discover and getting turned down for a $1k CLI at the 12mo mark, June was the first time I let my utilities, phone, and insurance hit my card using their autopay features. Just for kicks, I decided to probe the system again and got approved via phone for $1500!

Interestingly enough, Discover seems to know I've used the card to autopay my bills. When I click the little plus sign on my account page to see the charge details, there is a line that reads " Recurring Billing Indicator: Y ". Little else has changed. The total spend for this month should be in line with previous spending.

Go figure!