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Discover CLI request question

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Mdowning30
Established Contributor

Discover CLI request question

Once I hit 6 months of my account opening to ask for a CLI do I need to just wait 6 months from the date my account opened or when my 6th statement cuts ?

Chase Freedom Unlimited : $2000 | Discover It Chrome : $2700 | AmEx CS Investor : $6000 | Chase Sapphire Preferred : $2000 | Chase Amazon Prime : $600 | AmEx Hilton Surpass : $1000 | AmEx Business Plus : $2000 | AmEx Platinum CS : POT $2800 | Tower Federal CU : $15,000 | Lowes Commercial Account : $1,000 | WF Bilt Mastercard : $4,000 | Shell Fleet Plus : $1,000 | Truist Future Card : $6000 | USBank Smartly Card : $500 |
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Message 1 of 9
8 REPLIES 8
OmarGB9
Community Leader
Super Contributor

Re: Discover CLI request question

Not sure whether it's months or statements, but either way I was under the impression you had to wait a whole year before requesting a CLI, unless that's changed. 


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Message 2 of 9
Zoostation1
Valued Contributor

Re: Discover CLI request question

They're unsecuring secured cards fairly regularly with CLIs after the 7th statement so maybe other cards are getting CLIs as well.

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Message 3 of 9
Anonymous
Not applicable

Re: Discover CLI request question

Website had CLI link so clicked this month, got it, see my sig

Message 4 of 9
FireMedic1
Community Leader
Mega Contributor

Re: Discover CLI request question

If its a regular card and not secured/graduated. Hit the luv button 61 and 91 days. One of them should work if you've been using the card regularly. Its a SP. Either yes or no. Go hit it. Let us know what happened.



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Message 5 of 9
FranknBeans
Regular Contributor

Re: Discover CLI request question

Did mine 6 months 1 day. 











Message 6 of 9
Mdowning30
Established Contributor

Re: Discover CLI request question

Every time i requested it, it told me "insufficient time with credit limit". Last month i called in and asked and the rep on the phone told me the account has to be atleast 6 months old.

Chase Freedom Unlimited : $2000 | Discover It Chrome : $2700 | AmEx CS Investor : $6000 | Chase Sapphire Preferred : $2000 | Chase Amazon Prime : $600 | AmEx Hilton Surpass : $1000 | AmEx Business Plus : $2000 | AmEx Platinum CS : POT $2800 | Tower Federal CU : $15,000 | Lowes Commercial Account : $1,000 | WF Bilt Mastercard : $4,000 | Shell Fleet Plus : $1,000 | Truist Future Card : $6000 | USBank Smartly Card : $500 |
Starting Score: 512
Current Score: 700
Goal Score: 700+

Take the myFICO Fitness Challenge
Message 7 of 9
FireMedic1
Community Leader
Mega Contributor

Re: Discover CLI request question

The CCC's are always changing something and we must adjust to the newer ways. Might be different in a few months. Yrs ago Cap1 used to give $10,000 SL's. That aint happening. Smiley Frustrated



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Message 8 of 9
arifjk
Frequent Contributor

Re: Discover CLI request question

Discover will let you try to ask for CLI every month without any hard pull. However, they might not approve you.  In my experience, I usually spend about 30% of CL monthly, and pay half before the statement cuts and pay off after the statement cuts. Sometimes, I PIF before the statement cuts. I was able to get CLI between 61 or 91 days. This past 2 months though, i didn't use as much and they didn't give me any CLI, until again I charge about 30%, I got the CLI again recently.



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Message 9 of 9
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