topic Re: Discover Auto-CLI: How does it work? in Credit Cards

Discover Auto-CLI: How does it work?

SomeGuyOnTheWeb — Fri, 20 Jun 2014 03:01:19 GMT

I'm coming up on my third month with Discover. How do these work? If you qualify, does it happen automatically after the third statement cuts? Or is there some link on the main page you can click? Also, I know this is a YMMV thing, but generally how much do the people spend on their card per month (for the people who have gotten the auto-CLI)? I think I'm at about $580 average spend on a $7,500 CL.

Re: Discover Auto-CLI: How does it work?

mongstradamus — Fri, 20 Jun 2014 03:09:51 GMT

You can either do it via their site or you can call the number on the back of your card and go thru automated prompts to check if you can get an sp cli.

On the website its under credit options, there should be an selection request credit increase or something to that effect.

Re: Discover Auto-CLI: How does it work?

Irisa — Fri, 20 Jun 2014 03:11:31 GMT

@SomeGuyOnTheWeb wrote:
I'm coming up on my third month with Discover. How do these work? If you qualify, does it happen automatically after the third statement cuts? Or is there some link on the main page you can click? Also, I know this is a YMMV thing, but generally how much do the people spend on their card per month (for the people who have gotten the auto-CLI)? I think I'm at about $580 average spend on a $7,500 CL.

IIRC, I didn't get my first auto CLI until shortly after my 4th statement. I charged quite a bit the first few months and always carried a balance since I wanted to take advantage of the 0% promo. You may want to look for the Luv button after your 3rd statement, it will warn you if they need a HP before you submit the request.

Re: Discover Auto-CLI: How does it work?

takeshi74 — Fri, 20 Jun 2014 03:16:28 GMT

Spend doesn't guarantee a CLI with any creditor. It may help but it's not the only factor at play.

Re: Discover Auto-CLI: How does it work?

capitalkid — Fri, 20 Jun 2014 04:11:40 GMT

Discover is my everyday spend card, I carry about 40-50% on it monthly and I always have some balance reporting after payment. Since I got the card, I have had an auto CLI every Quarter. As a posted said above, carrying does not garantee a auto CLI.

The month the cli happens the account is not reported again for another quarter to the CRA's. For instance my last reporting date and CLI was on my statement dated 4/26/14. I don't expect another update until Beginning of August if the trend continues. I noticed this on my last review of my reports.

I didnt have an everyday spend before I was approved for this card, it is a great card I earn $ every month and I use it to buy on amazon, something within the cash back range so I dont actually spend anything on my freebee. This card is my highest reporting balance, all others are kept below the 30% margin and most are reporting 0 if not 10% or so. CS is always between 685-710.

Honestly, I dont think it would be growing like this if I wasnt carrying and using nearly half the CL. Dont like to do that as a rule, but this card is an independent and they are most likely not to extend if they dont see use and frequently because they are such a small subset financially. They used to be part of Dean Witter, however in 2007 they went Indy. They support themselves essentially these days. APR is their bread and butter, and thus they most likely calculate their earnings with monthly spend projections. 100% US based Customer service when I call in I frequently get AZ or UT call center, rarely if ever am I on hold.

YMMV as always.

Re: Discover Auto-CLI: How does it work?

lg8302ch — Fri, 20 Jun 2014 09:53:08 GMT

Spend did not trigger an auto CLI for me. Had used up to 90% of my 2,5K CL and PIF for over a year and nothing. Also SP requests were unsuccessful. Looks to me time was the only thing that got me the positive results. No auto luv so far but requests for SP CLI got approved at 15 months mark and 18 months mark. 2,5K - 5K - 7,5K in 18 months and in the last 3 months 5K increase. So it will be strong YMMV .. Good luck!

Re: Discover Auto-CLI: How does it work?

bigblue7722 — Fri, 20 Jun 2014 09:54:52 GMT

My 3 months is coming up soon as well. When I go to the request credit line increase its just a page that says it can't do it and I need to call number in order to request one. Those buttons never like me. I've tried cap one no go. I've tried calling in to PayPal smart connect no go. I have only gotten auto cli not requested increases.

Re: Discover Auto-CLI: How does it work?

mongstradamus — Fri, 20 Jun 2014 14:05:16 GMT

@lg8302ch wrote:
Spend did not trigger an auto CLI for me. Had used up to 90% of my 2,5K CL and PIF for over a year and nothing. Also SP requests were unsuccessful. Looks to me time was the only thing that got me the positive results. No auto luv so far but requests for SP CLI got approved at 15 months mark and 18 months mark. 2,5K - 5K - 7,5K in 18 months and in the last 3 months 5K increase. So it will be strong YMMV .. Good luck!

i am having love hate with my IT recently pertaining to sp cli lol. I should just stay out off approval forums, because when i read that people are getting sp cli every three months with scores in the sub700 range, it gets me pretty annoyed when i can't get one sp cli in 10+ months. I was going to try and decide by end of the year what i want to do with my discover if i don't get any kind of sp cli.

Re: Discover Auto-CLI: How does it work?

lg8302ch — Fri, 20 Jun 2014 23:04:47 GMT

@mongstradamus wrote:
@lg8302ch wrote:
Spend did not trigger an auto CLI for me. Had used up to 90% of my 2,5K CL and PIF for over a year and nothing. Also SP requests were unsuccessful. Looks to me time was the only thing that got me the positive results. No auto luv so far but requests for SP CLI got approved at 15 months mark and 18 months mark. 2,5K - 5K - 7,5K in 18 months and in the last 3 months 5K increase. So it will be strong YMMV .. Good luck!
i am having love hate with my IT recently pertaining to sp cli lol. I should just stay out off approval forums, because when i read that people are getting sp cli every three months with scores in the sub700 range, it gets me pretty annoyed when i can't get one sp cli in 10+ months. I was going to try and decide by end of the year what i want to do with my discover if i don't get any kind of sp cli.

I would still say - keep using it - do not SD. Remember it took me 15 months..please be patient and I am sure you will get some luv from Discover too - Good luck!

Re: Discover Auto-CLI: How does it work?

lanakane — Fri, 20 Jun 2014 23:29:05 GMT

@mongstradamus wrote:

i am having love hate with my IT recently pertaining to sp cli lol. I should just stay out off approval forums, because when i read that people are getting sp cli every three months with scores in the sub700 range, it gets me pretty annoyed when i can't get one sp cli in 10+ months. I was going to try and decide by end of the year what i want to do with my discover if i don't get any kind of sp cli.

Have you tried reaching out to the executive office? It worked for me with Cap One, and I helped my mom resolve a security issue with her Discover that way recently. Send them a Facebook message and the EO will reply pretty quickly.

Re: Discover Auto-CLI: How does it work?

BungalowMo — Fri, 20 Jun 2014 23:32:14 GMT

I got my IT card in April 2013. Got auto CLI approx every quarter.

Started at $3500 & by my Apr-May statement last month, I was at $5500. I'll just let them keep doing their thing & steer clear of the luv button....

Re: Discover Auto-CLI: How does it work?

mongstradamus — Fri, 20 Jun 2014 23:35:12 GMT

@lanakane wrote:
@mongstradamus wrote:

i am having love hate with my IT recently pertaining to sp cli lol. I should just stay out off approval forums, because when i read that people are getting sp cli every three months with scores in the sub700 range, it gets me pretty annoyed when i can't get one sp cli in 10+ months. I was going to try and decide by end of the year what i want to do with my discover if i don't get any kind of sp cli.
Have you tried reaching out to the executive office? It worked for me with Cap One, and I helped my mom resolve a security issue with her Discover that way recently. Send them a Facebook message and the EO will reply pretty quickly.

I am just going to use it and re assess it at end of the year , just find it annoying that everybody else is getting CLI so easily, and I can't with decent credit scores

Re: Discover Auto-CLI: How does it work?

Kenny — Fri, 20 Jun 2014 23:48:53 GMT

@mongstradamus wrote:
@lanakane wrote:
@mongstradamus wrote:

i am having love hate with my IT recently pertaining to sp cli lol. I should just stay out off approval forums, because when i read that people are getting sp cli every three months with scores in the sub700 range, it gets me pretty annoyed when i can't get one sp cli in 10+ months. I was going to try and decide by end of the year what i want to do with my discover if i don't get any kind of sp cli.
Have you tried reaching out to the executive office? It worked for me with Cap One, and I helped my mom resolve a security issue with her Discover that way recently. Send them a Facebook message and the EO will reply pretty quickly.
I am just going to use it and re assess it at end of the year , just find it annoying that everybody else is getting CLI so easily, and I can't with decent credit scores

@Anonymous @ your "decent" scores. You've had it for over 10 months, is that correct? If so -- at least wait until 1 year and then try every 3 months -- I'm sure you're going to have some success -- even with your "decent" scores. I'm assuming you're using it a good bit?

Re: Discover Auto-CLI: How does it work?

mongstradamus — Sat, 21 Jun 2014 00:12:40 GMT

@KennyRS wrote:
@mongstradamus wrote:
@lanakane wrote:
@mongstradamus wrote:

i am having love hate with my IT recently pertaining to sp cli lol. I should just stay out off approval forums, because when i read that people are getting sp cli every three months with scores in the sub700 range, it gets me pretty annoyed when i can't get one sp cli in 10+ months. I was going to try and decide by end of the year what i want to do with my discover if i don't get any kind of sp cli.
Have you tried reaching out to the executive office? It worked for me with Cap One, and I helped my mom resolve a security issue with her Discover that way recently. Send them a Facebook message and the EO will reply pretty quickly.
I am just going to use it and re assess it at end of the year , just find it annoying that everybody else is getting CLI so easily, and I can't with decent credit scores
@Anonymous @ your "decent" scores. You've had it for over 10 months, is that correct? If so -- at least wait until 1 year and then try every 3 months -- I'm sure you're going to have some success -- even with your "decent" scores. I'm assuming you're using it a good bit?

I put in 60% utilization last month since I already hit my min spend on csp so I thought why not. I will probably split non category spending between it and freedom. Well actually not this quarter since going to use freedom for gas so I can get more ur points

Re: Discover Auto-CLI: How does it work?

EW800 — Sat, 21 Jun 2014 00:16:43 GMT

@mongstradamus wrote:
I am just going to use it and re assess it at end of the year , just find it annoying that everybody else is getting CLI so easily, and I can't with decent credit scores

Your scores are much better than "decent" from where I am sitting!

Re: Discover Auto-CLI: How does it work?

Kenny — Sat, 21 Jun 2014 00:24:22 GMT

@EW800 wrote:
@mongstradamus wrote:
I am just going to use it and re assess it at end of the year , just find it annoying that everybody else is getting CLI so easily, and I can't with decent credit scores
Your scores are much better than "decent" from where I am sitting!

Of course they are! lol That's the hilarity of it. mongstradamus is very self-deprecating.

Re: Discover Auto-CLI: How does it work?

Stralem — Sat, 21 Jun 2014 01:15:31 GMT

If Discover even has a discernable pattern in deciding who gets the auto love, they are sure as sh*t making it hard to figure out.

It took two HP requests to bump my $1200 IT card to $5000.

I'm content with that to be honest, but an auto CLI would be a nice change of pace.

Re: Discover Auto-CLI: How does it work?

codehavoc — Sat, 21 Jun 2014 02:04:06 GMT

today is my 3rd month so hopefully i can hit the love button tomorrow, i was trying to increase it today but i guess the option waas not available, anyway my limit is 1700 how much should i ask for when i request the CLI?

Re: Discover Auto-CLI: How does it work?

Anonymous — Sat, 21 Jun 2014 02:08:40 GMT

Let me know how it goes, I hit the 3rd month on the 25th!

@codehavoc wrote:
today is my 3rd month so hopefully i can hit the love button tomorrow, i was trying to increase it today but i guess the option waas not available, anyway my limit is 1700 how much should i ask for when i request the CLI?

Re: Discover Auto-CLI: How does it work?

mongstradamus — Sat, 21 Jun 2014 02:09:45 GMT

@KennyRS wrote:
@EW800 wrote:
@mongstradamus wrote:
I am just going to use it and re assess it at end of the year , just find it annoying that everybody else is getting CLI so easily, and I can't with decent credit scores
Your scores are much better than "decent" from where I am sitting!
Of course they are! lol That's the hilarity of it. mongstradamus is very self-deprecating.

Lol I don't feel right boasting I have great scores but still is frustrating when people with scores 100 points or so lower than me get sp CLI every quarter