Discover CLI success for anyone?

[Anonymous]

I got my card about a year ago. They initially approved me with a $9500 CL. Over the next ~6 mo, I hit the luv button all the time and got the card up to $18200. Most of my CLI were $3000. Over that time, I on and off carried a balance, no higher than about ~$4000. But then I hit a wall. I was carrying a balance and every month getting denied. So this last month, I completely paid my balance down to $6.40 (pending charge hit right on the statement close date *eyeroll*). I waited for the statement close, and hit the luv button, and they offered me $500. So it seems that for me, as long as I was making large payments, they were fine with increasing, but when they saw I sat with a balance for a while, it seemed to make them nervous, and they backed off. I didn't accept this last CLI, and I'll see what they offer next month. It could also be that I've hit my cap with them, but we'll see how far I can push it.

On the other side, my wife got her Disco around the same time, and every time she hit the luv button, they would only ever offer a couple of hundred dollars. They were not showing her much luv at all, and she and I have very similar credit profiles. Then, randomly last week, they auto CLI her with a $3000 increase. And there were no major changes to her usage/balance. In fact, the only change to her profile was opening a different card to BT a loan we had for a furnace for a longer 0% offer, which dropped her scores a bit, which wouldn't seem to have been a reason for them to auto increase.

So, the monkies banging on drums is a pretty accurate statement. I'm a pattern person (analyst by trade), and I have yet to be able to recognize any pattern with their CLI methods.

[Hockeypnc1]

Yeah monthly successes for some and monthly denials for me.

I don't get it!

[Gmood1]

Just keep trying OP. Eventually you'll break through. Discover is unpredictable. I've gone 9 months at a time without anything. Then all of a sudden. Bam!! I'll get one. Just got two tonight surprisingly!  One on each CC. I may not see anymore for a while. Who knows? 

They always come after the statement cuts, not a day sooner.

[Anonymous]

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@Gmood1 wrote:

Just keep trying OP. Eventually you'll break through. Discover is unpredictable. I've gone 9 months at a time without anything. Then all of a sudden. Bam!! I'll get one. Just got two tonight surprisingly!  One on each CC. I may not see anymore for a while. Who knows? 

They always come after the statement cuts, not a day sooner.

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When you say this above, are you receiving auto-CLIs or are you talking self-initiated CLIs that you're requesting after statement cuts?

[Gmood1]

@Anonymous 

My CLI's with Discover are always self initiated.

Here's a screenshot of one of them. I recently BT'd with this card.

[FinStar]

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@Hockeypnc1 wrote:

Yeah monthly successes for some and monthly denials for me.

I don't get it!

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An item to keep in mind OP, and while not a deterrent, if you've had a BK since 2016 that tends to be a factor in how your account is evaluated.  So, given the SL you obtained a year post-BK, that's definitely not too bad at all, including where it sits today.   Bear in mind that it'll be a futile effort to discern any patterns or try to figure out how Discover really works.

[AverageJoesCredit]

I never get any credit mail. No offers, preapprovals, nada! So its quite fun receiving like 4 Discover denials in one day. Just dont shred then too fast if you are expecting a check😏

[Anonymous]

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@FinStar wrote:

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Bear in mind that it'll be a futile effort to discern any patterns or try to figure out how Discover really works.

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While I think that's generally true when comparing different profiles between members, I do think that on a long enough timeline (several years or longer) one may be able to begin to discern patterns on their own account.  For example, a pattern I've seen twice on my account in the ~3 years I've had it is a period of 6-10 months with no CLIs at all, followed by a 6 month period with 3-4 CLIs coming during that span.  I have also received (and not received) CLIs both when my spend was both heavy at > $1000 for several cycles and when my spend was nothing or next to nothing for several cycles... so to me, spend is irrelevant on my profile, where time in one form or another is. 

[Hockeypnc1]

Well I have only had the card since Sept. 2017, but to only go from $1800 to $2200 (auto increase) and then be denied every single manual request is quite puzzling!

Thanks!

[Brian_Earl_Spilner]

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@Anonymous wrote:

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@Brian_Earl_Spilner wrote:

All we know is they like heavy use and for you to utilize what they've given you. If you're only using $300 a month, they're probably not giving you anything more.

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This isn't true above.  The best increases I've gotten have come from months where I've used the card very little, (say) $5-$200 total, where months that I've given them a $3k+ spend I didn't see anything CLI wise.

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Are you an exception, or the norm? It's also why I added after that statement that some people didn't get growth until they stopped using the card. A member here just posted a thread where Disco gave them a huge CLI because their card was about to be shut down for non-use. I've never seen that before.