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CLI of Discover

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NRB525
Super Contributor

Re: CLI of Discover


@Involver wrote:

@newhis wrote:

@Involver wrote:

For the first time since opening the account, I was actually able to submit a CLI request via the website.

 

Input salary and housing and ...

 

Nope sorry we have to pull your credit.

 

My score via Discover as of 01/03 is 809.

 

No thanks guys.


Wow. Is your account new?


 

It's 14 months old.

 

I took a HP for a CLI back in September I think and got $500.  I was not amused.


What is your CL on Discover?

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 21 of 26
Anonymous
Not applicable

Re: CLI of Discover

Later ,called them asked for credit line Increase with soft pull  .Transfrered to credit line analyst then increased just for 500 !!!!! totally 1750 with hard inquire !!!!!!!!

Discover card is the Worst card for CLI !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Message 22 of 26
newhis
Valued Contributor

Re: CLI of Discover


@Anonymous wrote:

Later ,called them asked for credit line Increase with soft pull  .Transfrered to credit line analyst then increased just for 500 !!!!! totally 1750 with hard inquire !!!!!!!!

Discover card is the Worst card for CLI !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!


Wow, I will never approve a HP with Discover. BTW I'm ok with them with my card, from 1000 to 2500 with SP.

Message 23 of 26
Anonymous
Not applicable

Re: CLI of Discover

Should be a SP 

 

but its weird because i after i got that screen a slider up to 500 showed up i selected ok and it said i was instantly approved for a 500 for a Credit Line Increase.

Message 24 of 26
Gunnar419
Valued Contributor

Re: CLI of Discover


@Anonymous wrote:

Later ,called them asked for credit line Increase with soft pull  .Transfrered to credit line analyst then increased just for 500 !!!!! totally 1750 with hard inquire !!!!!!!!

Discover card is the Worst card for CLI !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!


Not for some of us. It's true that Discover is not a generous Amex or Synchrony, but over time they're fine. There also seems to be a lot of odd, spotty data around indicating that Discover's SP CLIs and auto CLIs are often bigger than it's HP ones. I'm sure that's not always true, but it's happened a lot to people here, including me.

Message 25 of 26
BluePoodle
Valued Contributor

Re: CLI of Discover

Discover likes me apparently. I have had the card 1 year now and requested two CLI's, both were SP's.  I received $3K each time. It obviously is a YMMV situation.

CapOne $7500 | Discover $8500 | Amex ED $25K | Barclay SM $5700 | Chase Disney $500 | Chase Slate $5K | Target $3K | Hilton Amex $2K
Gardening Since 4/3/2017
Message 26 of 26
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