topic Re: Discover IT CLI should i ask? afraid to get denied in Credit Cards

Discover IT CLI should i ask? afraid to get denied

Anonymous — Tue, 03 Sep 2013 15:18:02 GMT

I have had my Discover IT card for exactly. 6 months today. MY CL is 1500 and i want to ask for a bigger CL. MY Fako Experian report has my Score at 694. Im afraid to get denied on the site it says no CLI at this time. To call the 1800 Number. My question to you guys. How hard is it to get a CLI with Discover

Re: Discover IT CLI should i ask? afraid to get denied

Anonymous — Tue, 03 Sep 2013 15:24:50 GMT

If you have the Luv botton online it will ask you first befioore a HP, you could try just to see if you can get it with just a SP and not proceed if it gives you the HP warning

Re: Discover IT CLI should i ask? afraid to get denied

Anonymous — Tue, 03 Sep 2013 15:32:53 GMT

I applied yesterday at my 6 month mark, requested 3k and it said ill find out within 2 days, didn't want to wait so I called the today and I was approved.
I started with $5,000 the CLI of $3,000 brings me to CL of $8,000.
I think if its anything over $2,000 it'd be a HP or Say it needs time

Re: Discover IT CLI should i ask? afraid to get denied

Anonymous — Tue, 03 Sep 2013 15:56:56 GMT

At this time ill even take a 1500 CLI. I would love for it to be a SP. Im going to call it in later. Im going to ask

Re: Discover IT CLI should i ask? afraid to get denied

Anonymous — Tue, 03 Sep 2013 16:06:19 GMT

Did you apply already? Just do it online, it will be a SP then it will say it need more information then tell you it will be a HP and click to continue or cancel.

Re: Discover IT CLI should i ask? afraid to get denied

HeilFico — Tue, 03 Sep 2013 17:00:05 GMT

I went from $1500 to $3000 on a HP. Should have asked for more than $1500 to be honest. Ask for 4-5k and see if they meet you in the middle.

Re: Discover IT CLI should i ask? afraid to get denied

koalablue — Tue, 03 Sep 2013 17:39:58 GMT

@Anonymous wrote:
I have had my Discover IT card for exactly. 6 months today. MY CL is 1500 and i want to ask for a bigger CL. MY Fako Experian report has my Score at 694. Im afraid to get denied on the site it says no CLI at this time. To call the 1800 Number. My question to you guys. How hard is it to get a CLI with Discover

You can also request it via a live instant message chat - the link is on their web site. You answer a bunch of questions, and you can cancel the request if its going to be a hard pull. That's what I did.

Re: Discover IT CLI should i ask? afraid to get denied

HeilFico — Tue, 03 Sep 2013 17:45:47 GMT

Wow, Discover kicks a**!!!

Per my previous post, I only asked for $1500 before which gave me a credit line of $3000. I just called and told them I wanted another 3k stating I should have asked for more before. (to be in line with my other cards, util....etc) APPROVED! They used the old HP as well!!!! New 6k credit line!

Don't be afraid to ask!

Re: Discover IT CLI should i ask? afraid to get denied

Anonymous — Tue, 03 Sep 2013 19:09:17 GMT

Congrats.
When was your first CLI?

Re: Discover IT CLI should i ask? afraid to get denied

Anonymous — Tue, 03 Sep 2013 19:54:27 GMT

I finally called. I was not able to get a CLI at this time. Will get the letter in mail. So there you go it was a SP for me

Re: Discover IT CLI should i ask? afraid to get denied

FinStar — Tue, 03 Sep 2013 20:04:00 GMT

Sorry to hear. On the upside, it was SP. You can always try in another 6 months (also depending on the history/usage put through your card). If the SP route doesn't work, then there's always the option to HP to see if you can get the desired CLI.

Re: Discover IT CLI should i ask? afraid to get denied

dodgerslv — Tue, 03 Sep 2013 20:17:34 GMT

@Anonymous wrote:
I finally called. I was not able to get a CLI at this time. Will get the letter in mail. So there you go it was a SP for me

sorry to hear, dont feel bad though....I have had my Discover 13 months and everytime i request a CLI via SP its a denial and always for the same reason, a collection on my TU report (its a darn 52 dollar paid utility collection...lol). My Discover is my lowest limit out of all my major prime lender credit cards. I dont use the card anymore and just finished paying the remaining 200 balance. They did give me an auto CLI until my 11 month so unless you are willing to take a HP maybe you will get lucky and get an auto CLI later down the road, just use the card alot and they will eventually give in.

Re: Discover IT CLI should i ask? afraid to get denied

HeilFico — Tue, 03 Sep 2013 20:35:39 GMT

@Anonymous wrote:
Congrats.
When was your first CLI?

I asked for my first cli at 6mos. (which was over the weekend) Went from $1500 to 3k, then called today and obtained an add'l 3k.

OP, I'm surprised they said no. Usually they soft you then ask to HP if the system cannot approve with a SP. That was my case and I ate the HP. $1500 to 6k was well worth it.

Re: Discover IT CLI should i ask? afraid to get denied

Anonymous — Tue, 03 Sep 2013 20:46:47 GMT

@HeilFico wrote:
@Anonymous wrote:
Congrats.
When was your first CLI?
I asked for my first cli at 6mos. (which was over the weekend) Went from $1500 to 3k, then called today and obtained an add'l 3k.

OP, I'm surprised they said no. Usually they soft you then ask to HP if the system cannot approve with a SP. That was my case and I ate the HP. $1500 to 6k was well worth it.

what exactly did you asked them? if they could use the same HP for another credit increase?

Re: Discover IT CLI should i ask? afraid to get denied

HeilFico — Tue, 03 Sep 2013 20:59:11 GMT

Yes, since the first HP was just on Saturday.

Re: Discover IT CLI should i ask? afraid to get denied

Themanwhocan — Tue, 03 Sep 2013 22:14:36 GMT

I didnt have much luck with Discover. I used the online request at 6 months, and authorized a HP.

They still called me anyways. And only took me from $2000 to $3000. I was looking to go to $5000... Ah well, i haven't spend a dollar on that card in the 2 months since the cli But I will be using it for online shopping soon, I need some new fall clothes. I redeemed $60 of cashback to order $75 of gift cards, when those arrive i'll order some clothes.

But I was using the card around 20% - 25% each month for 6 months.

In other news, Citi just showered me with 3 letters in the mail today. Each was a pre-qualified offer for a Citi card The Simplicity offer has a APR of 12.99% which I believe is their best offer for that card The others were Thankyou Preferred, and Platinum Select AAdvantage World Mastercard.