Re: Discover CLI Advise...???

CreditCuriosity · ‎10-04-2016

So tried one last time today since statement generated (4th statement) after last cli and got $500 out of them. Something is better than nothing i suppose. So I guess there is a bit of hope still for me with them, just going to take ALOT longer than I wanted for a decent CL. Just use for 10% double cash back for now. Just wanted to update.

CreditCuriosity · ‎10-04-2016

Also called and squeaked another 500 out of them for 1k CLI today... Thanks everyone for the number Baller/Pizza!

She said as I showed more time with them bigger increases would be coming my way, although she could of been full of hot air, but was as expected pleasant to speak with.

baller4life · ‎10-04-2016

Good job CC!! Save that number to be used after every online cli. Squeeze every coin you can out of them! 😆

I don't know why their computer doesn't just give you all you qualify for with the sp upfront instead of having to call in and get the rest. So silly. But, hey, it's Discover. So, it is what it is lol.

pizza1 · ‎10-04-2016

@CreditCuriousity wrote:
Also called and squeaked another 500 out of them for 1k CLI today... Thanks everyone for the number Baller/Pizza!

She said as I showed more time with them bigger increases would be coming my way, although she could of been full of hot air, but was as expected pleasant to speak with.

Yay!!, so very happy for you CC! $1k is much better than $0k, lol..glad you got the number to work for you! I never have been able too. I bet you see regular increases from here on out!! Things are looking up, congrats to you!!

newhis · ‎10-04-2016

@CreditCuriousity wrote:
Also called and squeaked another 500 out of them for 1k CLI today... Thanks everyone for the number Baller/Pizza!

She said as I showed more time with them bigger increases would be coming my way, although she could of been full of hot air, but was as expected pleasant to speak with.

Get Discover out of your mind, no need to ask every couple of weeks and increase your anger. Ask for a CLI every 31 days after they show you a new score. My DW started at $500, nothing for 14 months then auto to $3,000. 16 months later only $6,000. It is growing slowly for her but at least there is hope that someday it will be over 10k. Good luck.

Anonymous · ‎10-04-2016

What do you mean ask for a CLI every 31 days after they show you a new score? If they update your score every 30 days (generally) if you ask for a CLI 31 days after achieving a new score your score will have been updated again the previous day or possibly that day. I'm not not understanding what the score has to do with anything.

If you're going to request every 31 days, do it every 31 days I don't particularly think it has anything to do with when you do it in your cycle. The only significance of the score is that at the time of your request they'll use your last SP (score on site) in the decision making process.

AverageJoesCredit · ‎10-04-2016

Very nice CC! 1,000 MORE than yesterday. Maybe now you're on their radar

. Best of luck on getting more

newhis · ‎10-04-2016

@Anonymous wrote:
What do you mean ask for a CLI every 31 days after they show you a new score? If they update your score every 30 days (generally) if you ask for a CLI 31 days after achieving a new score your score will have been updated again the previous day or possibly that day. I'm not not understanding what the score has to do with anything.

If you're going to request every 31 days, do it every 31 days I don't particularly think it has anything to do with when you do it in your cycle. The only significance of the score is that at the time of your request they'll use your last SP (score on site) in the decision making process.

Sorry, as you can guess English is not my first language.

Yes, try at most once a month, if they don't give you what you want, then no need to keep trying more than that. Other lenders won't give you any SP CLI, and others that do only allow the request every 180 days. So don't be angry because they give better CLIs to others because many people are in the same boat as you or worse. (Not you as BrutalBodyShots, but you as in the people in general)

If you know that your score will increase, then wait until the score is shown online. I hope I made myself clear this time.

joltdude · ‎10-04-2016

My experience with Discover.. they love thin clean files... Love Love Love you to have them as your daily driver...

iv had quite a few theads as to my unpredictable road of CLIs with them.....

but the short version... (least for new cardholders)...

I used the snot out of the card and gave them sizable payments.... but not enough to pay it off....

Also *I did a rewards redemption*... not for the entire reward.. but for 25$

I also waited for the roughly 3 mo/statement auto cli... auto CLI came AFTER my third statement posted...

Now Iv poked the CLI button a total of 3 times... Once was after the auto cli.....Approve

Second time was roughly 31 days after... DENIED for experience ..... guess what....

Hit the CLI button a few days after the DENY letter came in the mail... got the 2-3 day message.. took longer than 2-3 days but got approval...

my scores have significently climbed in the past month.. I tend to use statement date vs when they show the l fico score for the month.. but both are roughly equivalent .

really do think if you have good scores and are your daily driver (as in highest balance is on THEIR card)... the pearly gates of CLI seem to open...

Another thing that might work.. is using one of their BT offers... From what i gather.. this is one of the few cards you can actually use while having a BT offer without

possibly screwing things up..

As an aside. im still livid and jealous and such about a household member who got a REALLY targeted offer from Discover..

His rate box for APR.....

Hold on for a minute...

10.24% .... with 12mo 0% and 2x rewards for year which is LOWER than any of the published APR ranges iv ever seen in a long time for DISCOVER..

HE DIDNT APP...

GRRRH

-J

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