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Discover CLI..... Go or Not

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Frequent Contributor

Discover CLI..... Go or Not

My DW has discover card on file for about 2.5-3yrs.
She started with a limit of $1k and now has a limit of $2.2k. (I'm not sure when she received this increase)
Her CR has increased good bit to the high 600s.

Should she request a CLI as this time? If so, how much..
Also, more importantly is discover CLI request a HP or SP.

We're standing by (sitting) for your feedback.

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Message 1 of 9
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Valued Contributor

Re: Discover CLI..... Go or Not

It's a soft pull. You don't request an amount, just hit the button and they'll either give you something or not.

There's no reason not to try now -- some folks hit the button every month. There's no ryhme or reason to Disco CLIs.

Good luck.
Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


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Message 2 of 9
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Frequent Contributor

Re: Discovery CLI..... Go or Not

I thought it asks for a reason, and an amount. And if they counter-offer and you dont take it then it becomes a HP and they review your request deeper, right?

I might be thinking of some otter CCC, trying to not rock the boat with disco atm

 

Edit: striked misinformation




Goal: Mortgage/Chase Trifecta






Message 3 of 9
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Valued Contributor

Re: Discovery CLI..... Go or Not


@Nomad3 wrote:
... I might be thinking of some otter CCC ...

Yes, you are.

 

A rudimentary search of the Approvals Forum with key words Discover CLI would have solved the mystery. 

 

Ask as often as you want. SP only. No amount is asked for. Provide: employer; income; housing expense.

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (11/11/2020): FICO 08 EXP: 747; TU: 762; EQ: 782
2020 Goal Score: 760 across the board


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Message 4 of 9
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Valued Contributor

Re: Discover CLI..... Go or Not


@thornback wrote:
It's a soft pull. You don't request an amount, just hit the button and they'll either give you something or not.

There's no reason not to try now -- some folks hit the button every month. There's no ryhme or reason to Disco CLIs.

Good luck.

Some hit it more often than once a month.... like daily lol.

Scores, HPs/24 mos. (updated 11/20/20):
    Experian FICO Score 8 = 828, 1/24
    Experian FICO Score 9 = 813, 1/24
   TransUnion = 815, 1/24
    Equifax = 818, 0/24

Total 2019 rewards, incl. offers/deals = $1,709.07
Avg. rewards rate, incl. offers/deals = 3.92%

Total CL: $247,000

Cards (hover over for CL | interest rate | Date Opened):
Message 5 of 9
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Frequent Contributor

Re: Discover CLI..... Go or Not

yup i try 3 times a month 😂



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Message 6 of 9
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Epic Contributor

Re: Discover CLI..... Go or Not


@CardNut wrote:

@thornback wrote:
It's a soft pull. You don't request an amount, just hit the button and they'll either give you something or not.

There's no reason not to try now -- some folks hit the button every month. There's no ryhme or reason to Disco CLIs.

Good luck.

Some hit it more often than once a month.... like daily lol.


Likely AJCSmiley Tongue

Message 7 of 9
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Super Contributor

Re: Discover CLI..... Go or Not

Smash away. Good luck.

Message 8 of 9
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Moderator

Re: Discover CLI..... Go or Not

Repeatin the above, go for it! 

Got some pruning to do... No more new cards!
Message 9 of 9
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