Any chance Discover will do a new SP if I call in for a CLI?

[CreditJourney007]

My TU score has been low for months due to an error with my student loan falsely reporting as 30 days late.

it got fixed and my score shot up from 608 to 681 today, but Disco JUST pulled my 608 score yesterday, waaaahhhh. I haven't gotten a CLI because of these issues (low score, "late" payments), so I wanted to see if I had a chance now for a better CLI. I know I can wait but I am going on vacation in two weeks and it would really help my peace of mind knowing I had a better limit (900 SL boo) in case of an emergency. And also because I am inpatient, LOL.

[Anonymous]

You can call but, they don't usually do a SP on demand.  It's possible w/ explaination though they might do one or you can take a HP and ask for whatever limit you want and let them counter back.

[CreditJourney007]

Thank you. I just tried - denied. I'll wait to see what the letter says. If it's old fico, I'll try again online when my score updates next month. If it's current score, I guess I'll keep trying as it increases.

[AverageJoesCredit]

Just to be clear, no matter what your score, Disco cli is not a given. There really is no way to know when we are eligble for an increase even with a freshly updated score. Even after i get new score updated, i still get rejected. We know when that luv button pops up positive

[CreditJourney007]

I understand that - didn't mean to assume it was a given, but I thought I had a better advantage now that the score increased + a few baddies were taken off. 

[AverageJoesCredit]

Of course, didnt mean to come off bad in any way. I understand your thought process and agree with it. Unfortunately it doesnt really work that way with Discover. They really are headscratchers lol. But good job on your improvements

[M_Smart007]

Disco CLI's are like a Crap Shoot, Roll The Dice. No Rhyme or Reason.

[CreditJourney007]

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@AverageJoesCredit wrote:
Of course, didnt mean to come off bad in any way. I understand your thought process and agree with it. Unfortunately it doesnt really work that way with Discover. They really are headscratchers lol. But good job on your improvements

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Oh yeah, I agree. I will just continue to try every month, I suppose. I have a feeling it won't go anywhere for awhile, but since I'm still in the double cash back timeframe, I'd like the CL to be higher to get more cash back lol. 

[AverageJoesCredit]

Just keep using it and paying it, eventually they will cave