topic Re: Discover automated phone CLI is absolute GOLD in Credit Cards

Discover automated phone CLI is absolute GOLD

amakol — Fri, 02 May 2014 23:57:00 GMT

Just a shout out for everyone to keep trying Discover's phone line (automated, not CSR) every couple months until you get to where you want. They are apparently very flexible on CLI time frames.

I got an automated phone CLI within the last 6 weeks that was immediately processed over the phone. Tried again this week because someone else mentioned getting a second one pretty soon after the first. The automated system denied it and tried to connect me to a representative. I, of course, hung up. Checked today and found that I got an even bigger increase than the one I got before.

Will probably cool down now - happy with my limit with them, but passing on the trick. All SPs!

Re: Discover automated phone CLI is absolute GOLD

Anonymous — Sat, 03 May 2014 00:08:53 GMT

Thanks for the tip.

Re: Discover automated phone CLI is absolute GOLD

mongstradamus — Sat, 03 May 2014 00:11:57 GMT

@bonehead88 wrote:
Just a shout out for everyone to keep trying Discover's phone line (automated, not CSR) every couple months until you get to where you want. They are apparently very flexible on CLI time frames.

I got an automated phone CLI within the last 6 weeks that was immediately processed over the phone. Tried again this week because someone else mentioned getting a second one pretty soon after the first. The automated system denied it and tried to connect me to a representative. I, of course, hung up. Checked today and found that I got an even bigger increase than the one I got before.

Will probably cool down now - happy with my limit with them, but passing on the trick. All SPs!

Congratulations ,for me discover still gives me no sp cli love.I decided I will SD it till fourth quarter for some Christmas shopping

Re: Discover automated phone CLI is absolute GOLD

vpae — Sat, 03 May 2014 01:07:40 GMT

@bonehead88 wrote:
Just a shout out for everyone to keep trying Discover's phone line (automated, not CSR) every couple months until you get to where you want. They are apparently very flexible on CLI time frames.

I got an automated phone CLI within the last 6 weeks that was immediately processed over the phone. Tried again this week because someone else mentioned getting a second one pretty soon after the first. The automated system denied it and tried to connect me to a representative. I, of course, hung up. Checked today and found that I got an even bigger increase than the one I got before.

Will probably cool down now - happy with my limit with them, but passing on the trick. All SPs!

So the automated phone CLI with Discover is always a SP?

The website won't let me request one, always says it's not available. I tried to call just but, but I'm always a bit wary so I decided to speak with a CSR and they couldn't approve any CLI without pulling a report. Granted, I never use this card, so I understand if they don't can't or don't see a reason to.

Congrats on the CLI!

Re: Discover automated phone CLI is absolute GOLD

12njoy — Sat, 03 May 2014 01:20:00 GMT

@bonehead88 wrote:
Just a shout out for everyone to keep trying Discover's phone line (automated, not CSR) every couple months until you get to where you want. They are apparently very flexible on CLI time frames.

I got an automated phone CLI within the last 6 weeks that was immediately processed over the phone. Tried again this week because someone else mentioned getting a second one pretty soon after the first. The automated system denied it and tried to connect me to a representative. I, of course, hung up. Checked today and found that I got an even bigger increase than the one I got before.

Will probably cool down now - happy with my limit with them, but passing on the trick. All SPs!

LOL. I just tried and was transferred to a CSR, but I too hung up before they got on the phone.

Re: Discover automated phone CLI is absolute GOLD

amakol — Sat, 03 May 2014 02:39:26 GMT

@vpae wrote:
@bonehead88 wrote:
Just a shout out for everyone to keep trying Discover's phone line (automated, not CSR) every couple months until you get to where you want. They are apparently very flexible on CLI time frames.

I got an automated phone CLI within the last 6 weeks that was immediately processed over the phone. Tried again this week because someone else mentioned getting a second one pretty soon after the first. The automated system denied it and tried to connect me to a representative. I, of course, hung up. Checked today and found that I got an even bigger increase than the one I got before.

Will probably cool down now - happy with my limit with them, but passing on the trick. All SPs!
So the automated phone CLI with Discover is always a SP?

The website won't let me request one, always says it's not available. I tried to call just but, but I'm always a bit wary so I decided to speak with a CSR and they couldn't approve any CLI without pulling a report. Granted, I never use this card, so I understand if they don't can't or don't see a reason to.

Congrats on the CLI!

What the system does is check if there is a SP available. Sometimes it outright offers you a CLI. If it can't process a SP CLI, it offers to connect you to a CSR for "more information." My experience and that of many people I've read here is that if you hang up while it's in the process of transferring, there is often a CLI on your online account within the next few days. Maybe some department is monitoring these attempts?

For comparison, I'm in the same boat. Rarely use the card, the website hasn't once said a CLI is available, and whenever I talk to a CSR they need to ask for a HP to proceed. It's JUST this one method that works. Maybe not all the time but don't give in - it's 2 minutes, no talking, worth a shot every few months is what I meant by this post to everyone here. Especially with Discover's odd, conservative CL tendencies.

Re: Discover automated phone CLI is absolute GOLD

12njoy — Sat, 03 May 2014 02:53:41 GMT

@bonehead88 wrote:
@vpae wrote:
@bonehead88 wrote:
Just a shout out for everyone to keep trying Discover's phone line (automated, not CSR) every couple months until you get to where you want. They are apparently very flexible on CLI time frames.

I got an automated phone CLI within the last 6 weeks that was immediately processed over the phone. Tried again this week because someone else mentioned getting a second one pretty soon after the first. The automated system denied it and tried to connect me to a representative. I, of course, hung up. Checked today and found that I got an even bigger increase than the one I got before.

Will probably cool down now - happy with my limit with them, but passing on the trick. All SPs!
So the automated phone CLI with Discover is always a SP?

The website won't let me request one, always says it's not available. I tried to call just but, but I'm always a bit wary so I decided to speak with a CSR and they couldn't approve any CLI without pulling a report. Granted, I never use this card, so I understand if they don't can't or don't see a reason to.

Congrats on the CLI!
What the system does is check if there is a SP available. Sometimes it outright offers you a CLI. If it can't process a SP CLI, it offers to connect you to a CSR for "more information." My experience and that of many people I've read here is that if you hang up while it's in the process of transferring, there is often a CLI on your online account within the next few days. Maybe some department is monitoring these attempts?

For comparison, I'm in the same boat. Rarely use the card, the website hasn't once said a CLI is available, and whenever I talk to a CSR they need to ask for a HP to proceed. It's JUST this one method that works. Maybe not all the time but don't give in - it's 2 minutes, no talking, worth a shot every few months is what I meant by this post to everyone here. Especially with Discover's odd, conservative CL tendencies.

I'll see in a couple of days and report back. It may not work for me though since I just went from $6,500 to $10,000 in January and then from $10,000 to $14,000 in February 2014 on an account that was just opened in October 2013. Hey, but it's worth a shot.

Re: Discover automated phone CLI is absolute GOLD

Stanic413 — Sat, 03 May 2014 04:48:50 GMT

I have the button online, but not the option over the phone. My last (and only) CLI was in December. It was an auto CLI. Wonder if they're making me wait 6 months.

Re: Discover automated phone CLI is absolute GOLD

mongstradamus — Sat, 03 May 2014 04:53:40 GMT

@Stanic413 wrote:
I have the button online, but not the option over the phone. My last (and only) CLI was in December. It was an auto CLI. Wonder if they're making me wait 6 months.

I have button online when i click it says an CLI is in progress been like that for about two weeks. Also have option on the phone only during the day time , after midnight it magically disappears. Still no luck on auto cli, everything has to be an HP , i don't want to waste an TU hp for an cli. It will just be sd for an while till 4th quarter for christmas shopping.

Re: Discover automated phone CLI is absolute GOLD

Kenny — Sat, 03 May 2014 15:06:45 GMT

I agree. I think it's fantastically awesome.

Re: Discover automated phone CLI is absolute GOLD

DrZoidberg — Sat, 03 May 2014 15:20:10 GMT

@12njoy wrote:
@bonehead88 wrote:
@vpae wrote:
@bonehead88 wrote:
Just a shout out for everyone to keep trying Discover's phone line (automated, not CSR) every couple months until you get to where you want. They are apparently very flexible on CLI time frames.

I got an automated phone CLI within the last 6 weeks that was immediately processed over the phone. Tried again this week because someone else mentioned getting a second one pretty soon after the first. The automated system denied it and tried to connect me to a representative. I, of course, hung up. Checked today and found that I got an even bigger increase than the one I got before.

Will probably cool down now - happy with my limit with them, but passing on the trick. All SPs!
So the automated phone CLI with Discover is always a SP?

The website won't let me request one, always says it's not available. I tried to call just but, but I'm always a bit wary so I decided to speak with a CSR and they couldn't approve any CLI without pulling a report. Granted, I never use this card, so I understand if they don't can't or don't see a reason to.

Congrats on the CLI!
What the system does is check if there is a SP available. Sometimes it outright offers you a CLI. If it can't process a SP CLI, it offers to connect you to a CSR for "more information." My experience and that of many people I've read here is that if you hang up while it's in the process of transferring, there is often a CLI on your online account within the next few days. Maybe some department is monitoring these attempts?

For comparison, I'm in the same boat. Rarely use the card, the website hasn't once said a CLI is available, and whenever I talk to a CSR they need to ask for a HP to proceed. It's JUST this one method that works. Maybe not all the time but don't give in - it's 2 minutes, no talking, worth a shot every few months is what I meant by this post to everyone here. Especially with Discover's odd, conservative CL tendencies.
I'll see in a couple of days and report back. It may not work for me though since I just went from $6,500 to $10,000 in January and then from $10,000 to $14,000 in February 2014 on an account that was just opened in October 2013. Hey, but it's worth a shot.

You're allowed to request a SP CLI every 90 days.

Re: Discover automated phone CLI is absolute GOLD

BluePoodle — Sat, 03 May 2014 15:51:37 GMT

Still not giving me the option to request a CLI. It doesn't have the feature on the phone and the online tells me not available and to call. I don't want a HP....so I am waiting it out until I can get one with a SP.

@DrZoiberg wrote:
@12njoy wrote:
@bonehead88 wrote:
@vpae wrote:
@bonehead88 wrote:
Just a shout out for everyone to keep trying Discover's phone line (automated, not CSR) every couple months until you get to where you want. They are apparently very flexible on CLI time frames.

I got an automated phone CLI within the last 6 weeks that was immediately processed over the phone. Tried again this week because someone else mentioned getting a second one pretty soon after the first. The automated system denied it and tried to connect me to a representative. I, of course, hung up. Checked today and found that I got an even bigger increase than the one I got before.

Will probably cool down now - happy with my limit with them, but passing on the trick. All SPs!
So the automated phone CLI with Discover is always a SP?

The website won't let me request one, always says it's not available. I tried to call just but, but I'm always a bit wary so I decided to speak with a CSR and they couldn't approve any CLI without pulling a report. Granted, I never use this card, so I understand if they don't can't or don't see a reason to.

Congrats on the CLI!
What the system does is check if there is a SP available. Sometimes it outright offers you a CLI. If it can't process a SP CLI, it offers to connect you to a CSR for "more information." My experience and that of many people I've read here is that if you hang up while it's in the process of transferring, there is often a CLI on your online account within the next few days. Maybe some department is monitoring these attempts?

For comparison, I'm in the same boat. Rarely use the card, the website hasn't once said a CLI is available, and whenever I talk to a CSR they need to ask for a HP to proceed. It's JUST this one method that works. Maybe not all the time but don't give in - it's 2 minutes, no talking, worth a shot every few months is what I meant by this post to everyone here. Especially with Discover's odd, conservative CL tendencies.
I'll see in a couple of days and report back. It may not work for me though since I just went from $6,500 to $10,000 in January and then from $10,000 to $14,000 in February 2014 on an account that was just opened in October 2013. Hey, but it's worth a shot.
You're allowed to request a SP CLI every 90 days.

Re: Discover automated phone CLI is absolute GOLD

MidnightJester — Sat, 03 May 2014 16:20:30 GMT

For discover IT. Automated Phone CLI.

First press 1 for Automated system.

Enter your info--

Select your account account

let it pull up your account. on main menu select 4 for more options

New menu now. Option 3 Should be request CLI.

It is for me atleast

Re: Discover automated phone CLI is absolute GOLD

mongstradamus — Sat, 03 May 2014 16:28:27 GMT

@MidnightJester wrote:
For discover IT. Automated Phone CLI.

First press 1 for Automated system.
Enter your info--
Select your account account
let it pull up your account. on main menu select 4 for more options
New menu now. Option 3 Should be request CLI.

It is for me atleast

that is what it was for me also , but then they need more information, which means HP

Re: Discover automated phone CLI is absolute GOLD

Anonymous — Sat, 03 May 2014 19:40:29 GMT

i can attest. I did an online cli from 4k to 7.5K, since it was instant i figured i could have gone for more. since it wasnt letting me do it online again so soon, i called the automated number, got the "more info prompt" and hung up wihout talking to anyone. still got another sp cli to 9K. My requests were less than a week apart.

Re: Discover automated phone CLI is absolute GOLD

vpae — Sat, 03 May 2014 22:28:22 GMT

How does the automated phone CLI sound like?

Does it say ask if you want to try for a CLI, press 1 and it auto approves or transfers you to a CSR?

Or does it ask you to punch in via the keypad your amount CLI requested, income, housing payment, etc?

Thanks!

Re: Discover automated phone CLI is absolute GOLD

12njoy — Sat, 03 May 2014 22:30:42 GMT

@vpae wrote:
How does the automated phone CLI sound like?

Does it say ask if you want to try for a CLI, press 1 and it auto approves or transfers you to a CSR?

Or does it ask you to punch in via the keypad your amount CLI requested, income, housing payment, etc?

Thanks!

It asks the income and housing payment. Reads a little disclosure and then does its thing. You may get it or you may get "It looks like we may need additional information" which is a transfer to csr. It doesn't ask the amount of the cli or at least it didn't ask me. Good luck.

Re: Discover automated phone CLI is absolute GOLD

DrZoidberg — Sat, 03 May 2014 22:32:19 GMT

@vpae wrote:
How does the automated phone CLI sound like?

Does it say ask if you want to try for a CLI, press 1 and it auto approves or transfers you to a CSR?

Or does it ask you to punch in via the keypad your amount CLI requested, income, housing payment, etc?

Thanks!

Just income and housing payment. Then it decides whether or not you get one and if so, how much.

Re: Discover automated phone CLI is absolute GOLD

vpae — Sat, 03 May 2014 22:38:34 GMT

12njoy, DrZoiberg,

Thank you both for your response. I also have ony more question. Normally when housing payment is asked. Are they typically asking for Principal+Interest only or Principal+Interest+Taxes+Insurance? I currently have an escrow set up that is for PITI, which is what shows up on my CR. But if I'm only responsible for a portion of this, and my fiance helps pay for the other portion. What should I tell them when asked?

Also, kind of related. Sometimes they ask length of residence (in this case, a CSR from discover did). I technically have been living here since 89, but I wasn't paying the mortgage then, I took it over from my parents back in.. 02? 05? Would I say I have been living here at this address since 89 or would I say when I started making housing payments?

thanks!

Re: Discover automated phone CLI is absolute GOLD

12njoy — Sat, 03 May 2014 22:41:14 GMT

@vpae wrote:
12njoy, DrZoiberg,

Thank you both for your response. I also have ony more question. Normally when housing payment is asked. Are they typically asking for Principal+Interest only or Principal+Interest+Taxes+Insurance? I currently have an escrow set up that is for PITI, which is what shows up on my CR. But if I'm only responsible for a portion of this, and my fiance helps pay for the other portion. What should I tell them when asked?

Also, kind of related. Sometimes they ask length of residence (in this case, a CSR from discover did). I technically have been living here since 89, but I wasn't paying the mortgage then, I took it over from my parents back in.. 02? 05? Would I say I have been living here at this address since 89 or would I say when I started making housing payments?

thanks!

You're welcome. I rent so I can't answer the housing payment question, but the length of your stay would be the entire time you have lived at that address regardless when you starting paying the mortgage.