I've had my Discover for roughly 2 years and I find myself requesting CLIs every 6 months or so with a SL of $1200. I've never automatically received a CLI, but when one was granted, it's never been more than $800 at a time (and it's always been a SP). I've slowly made my way up to $4200. One thing I have learned is that once a CLI is provided, if I ask too soon, they will send me a letter stating "not enough experience with existing credit line." Slow and steady with Discover has worked wonders for me....keep at it, you'll eventually keep climbing the Discover ladder.
@Anonymous wrote:I've had mine about 8 months. Smaller starting limit than yours though. But I've been given 2 automatic CLIs and just requested one which they also gave me. Now my limit is only 1750 lol. I'm going to keep at it though!
@Raisondetre wrote:
@SUPERSQUID wrote:
@engr892 wrote:@SUPERSQUID SORRY TO HERE DID ME SAME WAY,SO I TURNED AROUND AND APPLIED FOR ANOTHER DISCOVER CARD INSTANT APPROVAL,GO FIGURE BUT MAYBE TOO MANY HP'S.
How old was your first discover when you apped for the second?
As long as your first Discover is over a year old, you can apply for a second one. I would suggest checking the pre-approval page Discover has to see if you're eligible.
Also, Discover doesn't seem to ever like me either. I receive regular CLIs on other cards, but never Discover. I threw them in my sock drawer because of it. 😆
I read somewhere that Discover is more likely to be triggered to request a 4506 if you apply for a second product with them...I'm curious to see if there's any truth to that. Did your second application go smoothly?
@SUPERSQUID wrote:I have the card 9 months, 3k starting limit. about 60 pct util because of bt's. my scores are in the high 600's. overall util at 14 pct. I have a bunch of hp's 23, but a major chunk of them become 2 years old in the fall and go poof. then i will have about 8 left and some of those will be more than 1 year old. my income is 36000, i am retired. when i get the denial letter i will post the reasons.
I've had my Discover secured card @$500for four years before it graduated. I've had the unsecured card @$1000for more than a year and always get denied for CLI. Yesterday, I did the prequal and approved for the Discover It Miles card for $4k.
Try the prequal and you may get another card.
@FinStar wrote:
@DCSportsJunkie wrote:
@Raisondetre wrote:
@SUPERSQUID wrote:
@engr892 wrote:@SUPERSQUID SORRY TO HERE DID ME SAME WAY,SO I TURNED AROUND AND APPLIED FOR ANOTHER DISCOVER CARD INSTANT APPROVAL,GO FIGURE BUT MAYBE TOO MANY HP'S.
How old was your first discover when you apped for the second?
As long as your first Discover is over a year old, you can apply for a second one. I would suggest checking the pre-approval page Discover has to see if you're eligible.
Also, Discover doesn't seem to ever like me either. I receive regular CLIs on other cards, but never Discover. I threw them in my sock drawer because of it. 😆
I read somewhere that Discover is more likely to be triggered to request a 4506 if you apply for a second product with them...I'm curious to see if there's any truth to that. Did your second application go smoothly?
Not necessarily @DCSportsJunkie. Getting approved for a 2nd Discover card is not usually the 4506-C trigger -- you'd be seeing a lot of threads (or just about every thread) where someone that applied for a 2nd one was hit by a 4506-C request. There are usually other factors at play that may cause that particular review.
Thank you @FinStar. I've been very hesitant to ask too much of Discover (whether it's a CLI or even applying for another product) as I have recently read more and more information about their 4506-C requests. Very helpful info....noted.
