Discover CLI Denial (insufficient experience with CL)

[Anonymous]

Like others, I too routinely get the insufficient message from discover. I’ve gone months without a CLI even when requesting them every week. I did manage to get a CLI of 3500 bucks last month from them so maybe the well has been sprung. I’ll shoot for another CLI in a few months and see what happens.

[Anonymous]

I have been hitting Discover for the past three months (1 time every month) and got a instant $500. Called in and they gave me at least double each time. I am bound to get a no soon and I will be okay with it. Just let Disco sit and pay them off if you can. Their APR has skyrocketed over the past two years.

[Anonymous]

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@wasCB14 wrote:

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I've heard that transaction count can also be a factor, regardless of dollar spend.

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I suppose it could be on some profiles, but from my testing it never mattered.  I've gone cycles with 0 transactions and received a CLI and then gone cycles with 30-40 transactions and seen no CLI.  I personally don't think that spend/swipes matter in the majority of situations.

[masscredit]

Question about double dipping, if you get CLI online, you then call in to request another one? I presume they can see that the person just received one. I guess that doesn't matter?  Also, would it matter if the increase received online was instant or after waiting a couple days to receive an answer?  I might try that next time. I haven't received an instant increase from them yet. It's always been after waiting a few days to see if they will give me some love. 

[Anonymous]

I believe you can request online or call. 

The best DDD (Discover Double Dip) results usually come after receiving an auto-CLI from Discover, then immediately (say, within a few days) log into your account and request another CLI online.  Many people, I'd say at least 50% report a favorable DDD when following this.

[CreditInspired]

@masscredit

For me, my 3 successful DDs came when I asked for the CLIs online and was instantly approved. Then I immediately called in and stated, “I was just approved for a
CLI and was wondering if I could get more with the SP.” each time, literally took the CSR <5 mins to double what I had.

Only one time after instant CLI was I told it would have to be a HP. Since the increase was for $3K, I declined the HP.

FYI. In the more than 2 yrs with Disco, I never got an auto CLI.

[Anonymous]

I've only tried the DDD twice, with a 50% success rate.

I first tried it following an auto-CLI around my 3rd statement after getting the card.  Once I received the auto-CLI, I logged into my account and requested a CLI at the advice of this forum and was met with an instant approval for I believe the same amount of the auto-CLI.  The auto-CLI was for $3800 and the DDD was for $4000, so the DDD actually slightly exceeded the auto-CLI.  $7800 combined was pretty good and it took my $12,500 SL across the $20k mark in under 4 months.

My unsuccessful attempt came sometime last fall following a requested and approved online CLI that brought my limit to $39,800.  I really wanted another $200 just for OCD purposes and having a nice even round limit, so I called up and requested a DDD to see if there was $200 on the table for me.  There wasn't, so it was unsuccessful.

I think in general people see better results with DDD attempts following auto-CLIs, as I think the automatic ones often don't give you everything available... where when you request a CLI it's more often that the number provided is in fact the max allowed for your profile at that moment. 

[Anonymous]

I have that same problem with OCD, and have been trying to round up that odd CL. But every CLI since the initial odd has all be even.lol

I wonder if you could counter with 200 when they offer 500?

[Anonymous]

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@Anonymous wrote:

I have that same problem with OCD, and have been trying to round up that odd CL. But every CLI since the initial odd has all be even.lol

I wonder if you could counter with 200 when they offer 500?

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Yes, you definitely can.  I started with a $12,500 limit with Discover... while not exactly round at an even $1000 increment, a $500 midpoint wasn't the end of the world OCD wise for me.  Well, that $500 went out the window for me with my first CLI(s) which ended with me at a ,$300 limit, where I've resided essentially ever since.

When approved for a CLI, though, one can definitely back down what they accept to an "even" more aesthetically pleasing number.  My problem is that I'm greedy and whatever number I'm offered from a CLI of course I want to take in full.  This always results in me continuing to have an oddball limit though. 

You can definitely contact Discover at any given point and request a CLD, though, bringing yourself down to a clean/even CL.

[Anonymous]

I went from 1000 to 10,500 in 6 months.  I was never denied a CLI 3/3. 

I got an auto CLI in June 18  from 1k to 2k, then in Aug requested a CLI -> only got 1k through the app, called and analyst gave me 4500.

Tried again in Nov, CLI to 6750, tried again today, just called and ask the rep to submit a CLI, got approved to 10,500. 

I have a 3k balance on the card as of today, I have charged around 12k since June 18 and usually never made a paynment less than 2,000. Just giving my info, hope it helps anyone.