Discover CLI

[CreditMagic7]

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@Anonymous wrote:

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@CreditMagic7 wrote:

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@Anonymous wrote:
I always get the "insufficient experience with credit limit" message blah .. no luv for me since March ... only got two 500 increases since I had th card (Oct 15) .. oh well.

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Feel your pain and the strain.

Aside from the US Bank card, Discover is next in line as my single oldest card account.

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Have yo had any luck with US Bank? They WILL NOT give me a CLI, no matter what I do.  Keep on giving me new credit, but won't budge on open accounts.

Also, I couldn't agree more on Discover.  $500 every 91 days.  Better than US Bank, but takes FOREVER to grow that particular line at that rate.

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So so glad you would mention this.

US Bank seems has no problem wanting me to open new card accounts from a couple recent mailed preapprovals but no dice on the single oldest card i have that's with them.

But, i also haven't tried in awhile either. Next month i plan to try a $1500 request in hopes if they do, it will be SP CLI only but then again what if it's a HP when i don't request a new line to $5K? Current line is the lowest of my profile at a mere $3K. A $1500 request if approved still wouldn't be enough to make the card eligible for a Cash+ PC either.

Weirdest lender for me so i tender it with very light use, PIF and sockdrawer the thing for months at a time.

It's only serving the purpose of being my oldest card line and that's it unfortunately, but then that's their fault that it doesn't see but occasional small usage.

[Anonymous]

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@CreditMagic7 wrote:

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@Anonymous wrote:

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@CreditMagic7 wrote:

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@Anonymous wrote:
I always get the "insufficient experience with credit limit" message blah .. no luv for me since March ... only got two 500 increases since I had th card (Oct 15) .. oh well.

---

Feel your pain and the strain.

Aside from the US Bank card, Discover is next in line as my single oldest card account.

---

Have yo had any luck with US Bank? They WILL NOT give me a CLI, no matter what I do.  Keep on giving me new credit, but won't budge on open accounts.

Also, I couldn't agree more on Discover.  $500 every 91 days.  Better than US Bank, but takes FOREVER to grow that particular line at that rate.

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So so glad you would mention this.

US Bank seems has no problem wanting me to open new card accounts from a couple recent mailed preapprovals but no dice on the single oldest card i have that's with them.

But, i also haven't tried in awhile either. Next month i plan to try a $1500 request in hopes if they do, it will be SP CLI only but then again what if it's a HP when i don't request a new line to $5K? Current line is the lowest of my profile at a mere $3K. A $1500 request if approved still wouldn't be enough to make the card eligible for a Cash+ PC either.

Weirdest lender for me so i tender it with very light use, PIF and sockdrawer the thing for months at a time.

It's only serving the purpose of being my oldest card line and that's it unfortunately, but then that's their fault that it doesn't see but sparingly usage.

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When I combine my Cap 1 accts next week, my US Bank Kroger acct will be my oldest open acct. It's still got its $500 SL.  But I have 3 cards and a PLOC that have my total exposure with them at $9500.

Even worse, the only card I actually applied for was the abovementioned Kroger card.  I went into my branch to PC that card when I found out I was being transferred to a town without any Kroger brands.  Instead of PCing the $500 card, they gave me a $2k Cash Rewards card.

Then a personal banker in my new town called to offer me a PLOC.  A few weeks later, she called back to offer me a $6k super low APR (with 15 months at 0%) card.

It's a peculiar way to do business, IMHO.

[CreditMagic7]

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@Anonymous wrote:

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@CreditMagic7 wrote:

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@Anonymous wrote:

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@CreditMagic7 wrote:

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@Anonymous wrote:
I always get the "insufficient experience with credit limit" message blah .. no luv for me since March ... only got two 500 increases since I had th card (Oct 15) .. oh well.

---

Feel your pain and the strain.

Aside from the US Bank card, Discover is next in line as my single oldest card account.

---

Have yo had any luck with US Bank? They WILL NOT give me a CLI, no matter what I do.  Keep on giving me new credit, but won't budge on open accounts.

Also, I couldn't agree more on Discover.  $500 every 91 days.  Better than US Bank, but takes FOREVER to grow that particular line at that rate.

---

So so glad you would mention this.

US Bank seems has no problem wanting me to open new card accounts from a couple recent mailed preapprovals but no dice on the single oldest card i have that's with them.

But, i also haven't tried in awhile either. Next month i plan to try a $1500 request in hopes if they do, it will be SP CLI only but then again what if it's a HP when i don't request a new line to $5K? Current line is the lowest of my profile at a mere $3K. A $1500 request if approved still wouldn't be enough to make the card eligible for a Cash+ PC either.

Weirdest lender for me so i tender it with very light use, PIF and sockdrawer the thing for months at a time.

It's only serving the purpose of being my oldest card line and that's it unfortunately, but then that's their fault that it doesn't see but sparingly usage.

---

When I combine my Cap 1 accts next week, my US Bank Kroger acct will be my oldest open acct. It's still got its $500 SL.  But I have 3 cards and a PLOC that have my total exposure with them at $9500.

Even worse, the only card I actually applied for was the abovementioned Kroger card.  I went into my branch to PC that card when I found out I was being transferred to a town without any Kroger brands.  Instead of PCing the $500 card, they gave me a $2k Cash Rewards card.

Then a personal banker in my new town called to offer me a PLOC.  A few weeks later, she called back to offer me a $6k super low APR (with 15 months at 0%) card.

It's a peculiar way to do business, IMHO.

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I would have had and likely been satisfied from more interaction with US Bank. I mean there are some branches across the river in Kentucky and even one as soon as i come off the bridge.

Many times ago i had planned to have a one on one with them in person but then when i saw that they nerfed the beejeebus out of Cash+ i totally lost interest in it altogether and besides, their competitors were cleaning their low limit clock in large fashion so i didn't feel the need to take chances when i was getting nice drops on the order of $5-$15K start lines.

Why bother anymore right?

That's the same impression they always seem to give to my card with them. It works both ways.

[degs138]

I always get the "not enough experience with this limit" message

[takeshi74]

As with any creditor, CLI will be determined based on what your profile and income qualify for.  I've had no problems with either Discover or US Bank.  The last 2 Discover CLI's have been 4 digits for me.  US Bank doubled my limit.  YMMV depending on your credit profile and income.

[Tjourney11]

I applied for an increase today and it was approved for $500.  My current limit now is $13,500.  When I first got the card back in February 2015, I was approved for $11k and I swore it was a typo.  It was my only card that was ever that high.  Before that, I only hard a Amazon store card (now closed by creditor) for $2500.  A couple months later, Discover increased it to $13k automatically.

[Anonymous]

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@CreditMagic7 wrote:

Dog gone it.

If Discover would lay just 1, and i mean only 1 of those 2 day messages for my own account, and with just 1 cli better than the current 91+ day $500 routine i been seeing i think i might faint.

They sure know how to push my button of anxiety from the waiting.

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Have faith. Your fat increases are coming.

[RonM21]

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@Anonymous wrote:

Tried luck on Monday with luv button, got 2-day message, logged in yesterday received 1k increase. Was bored today at work and thought hey, what the heck let's see how generous they're willing to be...got another 2-day message, kinda worried they're gonna get mad at me lol...hope for the best!

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Any update or still waiting?

[Anonymous]

Whoohoo came back to update my post bohooing about my CLI well well what u know .. today I logged in after my infamous denial letters ... hit button so often even got a denial letter in the mail today, logged in to check balances and whallaa 1500 increase!! Bye bye baby 500s CLI Yaasss!!