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Discover CLI Timeframe Update

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Anonymous
Not applicable

Discover CLI Timeframe Update

I was just chatting with a very friendly CSR who told me that a CLI can be requested once every 30 days for Discover it card and it'll be a soft pull. This was news to me since, I was under the usual 60 days timeframe impression. Moreover, in case it doesn't go through they'll provide reasons why it didn't go through and ask permission in case a user want's to take his chances with an HP.

 

I think other credit card companies should follow discover's model. Smiley Very Happy

Message 1 of 35
34 REPLIES 34
Steelersboy
Frequent Contributor

Re: Discover CLI Timeframe Update

Very useful information. I just got a CLI today from Discover. 


If a man empties his purse into his head, no one can take it from him. An investment in knowledge always pays the best interest. - Benjamin Franklin |Capital One Quicksilver Cash Rewards|Chase Amazon Visa Rewards|BOA Cash Rewards|Commence MC| Citi Double Cash| Amazon Prime Store Card|Discover It|Chase Freedom|Chase Freedom Unlimited|Amex BCE|Wells Fargo Cash Wise|Barclays Cashforward
$89,500 total card credit FICO Equifax-823, FICO Transunion-774, FICO Experian-769, DTI-20.4%
Message 2 of 35
ToughFistFight
Frequent Contributor

Re: Discover CLI Timeframe Update

I got a cli on Monday, called for a DD, she told me the same thing. One cli every thirty days. I didnt ask "Then why do people get DDs?"

Chase Business Ink 20k PenFed Plat Rewards VS 25k NFCU Go Rewards 20k BECU 30k Chase FU 6k GM Biz 21k NFCU Flag 21k Amex BCP 26k Disco IT 18k FNBO Biz 11k Costco Citi Biz 8.1k Amex EDP 2k Gold Delta Skymiles Biz 5k Amazon Prime 10k USBank Cash 12k Amex Biz Plat Rewards NPSL Amex BCB NPSL
Message 3 of 35
Anonymous
Not applicable

Re: Discover CLI Timeframe Update

I think DDs work with an auto CLI. As in you just got an auto cli and then again requested a CLI using the portal. I may be wrong so don't hold me up to this....Smiley Happy
Message 4 of 35
ToughFistFight
Frequent Contributor

Re: Discover CLI Timeframe Update

Maybe that is the deal. Completely forgot. Lol. Thanks @kAbLeRKe!

Chase Business Ink 20k PenFed Plat Rewards VS 25k NFCU Go Rewards 20k BECU 30k Chase FU 6k GM Biz 21k NFCU Flag 21k Amex BCP 26k Disco IT 18k FNBO Biz 11k Costco Citi Biz 8.1k Amex EDP 2k Gold Delta Skymiles Biz 5k Amazon Prime 10k USBank Cash 12k Amex Biz Plat Rewards NPSL Amex BCB NPSL
Message 5 of 35
AverageJoesCredit
Legendary Contributor

Re: Discover CLI Timeframe Update

People get DD by the sheer will of the Disco godsSmiley Wink

Until I see one myself I'll be that skeptical joe sitting over by the "Monkey" bars just waiting to see if I'm ever asked to play Smiley Wink
Message 6 of 35
burntreality
New Contributor

Re: Discover CLI Timeframe Update

I can confirm it is every 30 days. 

Last month I got a 3500 CLI (via luv button) from Discover and today I got a 1000 CLI (via luv button).  

Starting score: 513 (Pulled from MyFico)
Current Score: EQ=735 TU=744 EX=746
Message 7 of 35
joltdude
Senior Contributor

Re: Discover CLI Timeframe Update

Again.. theroy... Yes you can ask for one every 30 days.. its usually based on the pull that discover used for your in-account FICO score...

(Still also think its good to wait until at least 3 mo after you get the card) 

 

That said.. Still tempted to suggest some time elapse between requests.. if nothing else, the oversending of rejection letters.... Since most CLI requests get a PAPER reject message sent in the mail... its a lot of waste. Other thing.. the computer may or may not take into account the frequency of requests.... Almost wish i had a second Disco and would only attempt a manual CLI every 3 or 6 months.... And if i was manually reviwing your account (2 day message).. Think it would show if you kept asking for CLIs and it might look desprate on manual review... 

 

YCMV

-J

 

 

 

Message 8 of 35
Schwartzinator
Frequent Contributor

Re: Discover CLI Timeframe Update

If this forum has taught me anything, it's that I do not believe we can truly map out anything pertaining to Discover. As an example, from my records I recieved a CLI from the luv button on 3/11/17 for $2,500 and again on 4/1/17 for another $2,500. However, all other successful CLI's have been 30 days or more apart. 


Message 9 of 35
ScoreSizzle
Frequent Contributor

Re: Discover CLI Timeframe Update

Here's a great thread for Discover and their CLI - https://ficoforums.myfico.com/t5/Credit-Cards/My-first-year-with-Discover-Data-Points/td-p/4705523

 

 

Cap1 Quicksilver || Amex BCP || Discover IT || Chase FU || BofA Travel || FNB Omaha Platinum Visa || Marriott Bonvoy Boundless
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