DISCOVER CLI

[austinguy907]

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@GetMeSlick wrote:

make sure, you put good spend on the card and PIF. they will surely increase once they see your usage pattern. recently in last 4-5 months i got 3 CLI's each $6k. now my card has $32k limit.

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I have to counter this since I've been using it for ~$200/mo for bills, let it report, and PIF each cycle.  I've managed to grwo from $4500 to $42K in a little over a year.  Big spending isn't required for growth and in some cases they'll give you a denial reason "escalating balance" if you're trying to push them up from where you're at.  While maxing out your cashback is nice it's not always the best course of action when trying to get a bigger limit out of them.  People have pulled back and restrained their spending and gotten better results after doing so.  Also, the sweet spot for CLI's after the first one seems to be every other month.  Of course nothing is a given with Disco when it comes to playing the game but, observations show a trend in certain activities with them.

[Anonymous]

Following up on Austinguy907's point above, I think it's important to understand that everything with respect to CLIs with Discover or any creditor really is profile-specific. 

Some people report having to put a large monthly spend through Discover with PIF to yield favorable CLI results.  Other people report barely spending at all outside of 2-3 small swipes (say $100 total give or take) and they get monster CLIs.  It's all about finding what works for you and rolling with that for a while until it doesn't work any longer, then switching it up. 

I was rolling with a $2000/mo or so spend with Discover for several months and getting solid $4k CLIs monthly.  This past month was the first one where I was denied a CLI due to not enough experience with current credit limit.  As a result I moved more than half of my Discover spend to other cards and will see in a week or so if I get a CLI when I request one.  If I miss out again, I'll probably drop my spend to a few hundred bucks and see what happens. 

Bottom line is what works for some won't work for others, and what works for some at times certainly isn't static and could need to be adjusted over time.

[Anonymous]

I received an email from discover today with the subject, "Your 3 month update for Cashback Match". Logged in and checked  my CL and there was a small increase. I read on the forum here that as soon as you get an auto CLI you should immediately request a CLI.

I requested the CLI from the site and immediately got another $700 increase from it (SP). So as soon as you get an auto CLI, ask again same day! Glad I came across that little tip here recently.

[Anonymous]

Every month after my statement cuts i click the CLI Button. I always seem to get the two day review and have been getting various different amounts every month. Discover has no pattern which is why i just hit the CLI button once a month and see what happens.

[Anonymous]

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@Anonymous wrote:

Every month after my statement cuts i click the CLI Button. I always seem to get the two day review and have been getting various different amounts every month. Discover has no pattern which is why i just hit the CLI button once a month and see what happens.

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I essentially do the same exact thing and with the exception of last month have always gotten something.  I'll know in about a week if last month was a fluke (no CLI) or if I go another month without anything perhaps I've hit some sort of temporary wall.  We'll see!

[Anonymous]

so I was so itchy with Discover card and tonight I decided to click the request for CLI one last time for 2016 and thank god I got something and this time a **bleep** $300 increase. My goodness having the account for a year and I only get $300 increase. I hit it again in couple months.

[Anonymous]

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@Anonymous wrote:
so I was so itchy with Discover card and tonight I decided to click the request for CLI one last time for 2016 and thank god I got something and this time a **bleep** $300 increase. My goodness having the account for a year and I only get $300 increase. I hit it again in couple months.

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I'm just waiting for my 3rd statement to come in. I think I am going to call for a CLI.

[Anonymous]

Erick-Mac: good luck 👍...

[Anonymous]

Any reason why you are going to call rather than using the online CLI request method?

[Anonymous]

Does it matter if you PIF before the account closing date? Like say you spend $500 and $0 is reported because you pay right away..