Discover CLI request under review

[Anonymous]

So I requested a CLI (I do it every couple of days or so) from Discover. This time it says my request was under review and they would get back to me in 2 days.

Sadly, I called the lady on the phone and she told me it looks bad if you request a CLI so often and that I shouldn't. She couldn't see my request for a CLI.

I told her that I was planning for an upcoming trip... But unfortunately she said it wasn't a good idea, and told me to hold off on future CLI requests for at least 4-6 months.

My Discover CL is $1000, and it less than 1% of my income.

Does this mean my CLI will be denied? 

[Anonymous]

The two day message is not an automatic denial. It's been about 50/50 for me. The 3-5 day message is the auto denial message.

[baller4life]

Ha! 2500+ Myfico members would disagree with her. The 2 day message can be a good sign. Just check your online account over the next 2 days to see if you got the increase. Typically they are giving them every 90 days now. Some sooner,some longer.

[Anonymous]

2 day message has been pretty good to me in the past.  Hope it works for you.

[Anonymous]

It's always a denial for me lol.  I'm good with that as long as its not an HP

[RonM21]

2 day message is definitely not auto denial. So many threads with approvals from this message, as mentioned.

[coldnmn]

Some of the larger CLIs I have seen had the 2 day message. I personally would wait 91 days between CLI requests.

[Anonymous]

So an update. They doubled my CL.

[Berk]

sutehk wrote:

Does this mean my CLI will be denied? 

 
So an update. They doubled my CL.

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Yeah!!

Looks like you answered your own question!

Congrats!!!

[JamP]

The 2 day message was always good for me except the last few times which I got a denial in the mail.