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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 : $6000 | Discover It Chrome : $3500 | AmEx CS Investor : $6000 | Chase Sapphire Preferred : $5000 | Chase Amazon Prime : $2000 | 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
Total Credit Limit : $42500
Experian FICO 8 : 694
| Experian Vantage : 701 | TransUnion FICO 8 : 683 | TransUnion Vantage : 695 | Experian FICO 9 : 665
Starting Score: 512
Current Score: 693
Goal Score: 700+

Take the myFICO Fitness Challenge
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. 


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


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.

Rebuild Started Nov 2021
June 2022 FICO 8:
June 2022 FICO 9:
April 2024 FICO 8:
April 2024 FICO 9:
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.


Message 5 of 9
FranknBeans
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 : $6000 | Discover It Chrome : $3500 | AmEx CS Investor : $6000 | Chase Sapphire Preferred : $5000 | Chase Amazon Prime : $2000 | 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
Total Credit Limit : $42500
Experian FICO 8 : 694
| Experian Vantage : 701 | TransUnion FICO 8 : 683 | TransUnion Vantage : 695 | Experian FICO 9 : 665
Starting Score: 512
Current Score: 693
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


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.



AVEN Visa $80k; BCU LOC $50k; PSECU LOC: $20K; Langley FCU LOC $10K; CuSoCal LOC $25k; BECU LOC: 15k; Apple FCU LOC $20k

Message 9 of 9
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