Discover CLI?? :(

[Anonymous]

Marky, as mentioned already in this thread. I've been successful at getting a CLI every 90 days. Three so far.

[Anonymous]

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Marky, as mentioned already in this thread. I've been successful at getting a CLI every 90 days. Three so far.

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Have you tried for them at exactly 90 days, or have you attempted them at intervals < 90 days, just without success?

[jenrn123]

Seems like I'm on a 3-month cycle for CLIs. Got my first auto-CLI of a whopping $200, and then an additional $300 with the luv button within a day or so. I tried the luv button monthly and just got another $300 at 3 months (was declined the previous week, I think I requested a couple days too soon). I then called the 800# and asked for more and got another $700. They told me they would consider me for a larger increase but it would cost a HP. I took my $1000 and thanked them kindly.  

I'll probably continue to ask monthly and just be cognizant of the actual date I received my last one, rather than relying on the 1st of the month when my account updates and a new score is pulled. Good luck.

[Anonymous]

Hey,

Yeah, you requested for a CLI too early, they didn’t even have time to close one statement, haha! Give it at least 3 months before asking for CLI and also, I’m not too sure if Discover CLI requests creates a HP so be careful. They just gave you an initial credit line, they wouldn’t increase it just because, you kinda need to prove that you can handle your initial CL before they make any decision regarding a CLI

[Anonymous]

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@jl4 wrote:

For new cards, the hard minimum is 90 days.

Source: asked when I got my 2nd Discover card. 

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Why do some CSRs give out misinformation labeled as "fact" when, in fact, there isn't a clearly defined policy or they just don't know? 

The "hard minimum" is not 90 days. There might not be a hard minimum. Maybe it is 3 calendar months must occur (endpoints included), as was suggested to me. I don't know. I do know I got a new card CLI at 75 days as detailed here.

[RonM21]

OP, in my experience, Discover will do pretty well on giving you increases, especially around the 3 or 4 month intervals. But, as usual, ymmv. I have seen some people that for whatever reason, struggle to steadily increase their limit with them.

[Anonymous]

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Why do some CSRs give out misinformation labeled as "fact" when, in fact, there isn't a clearly defined policy or they just don't know? 

The "hard minimum" is not 90 days. There might not be a hard minimum. Maybe it is 3 calendar months must occur (endpoints included), as was suggested to me. I don't know. I do know I got a new card CLI at 75 days as detailed here.

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What comes out of a CSRs mouth doesn't have to be factual or accurate.  It's well documented that CSRs are notoriously misinformed.  To verify this, all one needs to do is call 3 different times and ask the same question to 3 different CSRs.  I'd be shocked if anyone got the same answer all 3 times. 

People have received Discover CLIs in under 90 days and on established accounts there have been reports of multiple CLIs as close together as 21 days apart.  You won't find a CSR that will tell you that, but it has been documented on this forum.

[Anonymous]

Some people have reported getting a CLI at 2 months. I got mine on both cards around 3 months. All others I request monthly after the statement cuts.
There are no rules with Discover. I do agree that the denials are way too much kindling and I don't understand why they don't just put it in a secure inbox in our account or something. Anywho, be patient and you'll hopefully get an increase in a while.

[joltdude]

Noone knows exactly the secret sauce to discovers madness.. That said... It *is* pretty well known that they want to see at least 3months/statements (this is up for debate whether its either/or/both) and there are good examples of an auto-cli a few days after the third statement if they like what they see... If not. thats a good time to try to hulksmash.. The other thing is.. realize when they pull your report for the in-app fico.. and please please save the trees and dont go CLI happy on the button.. at least wait for the new pull before asking again 

[Anonymous]

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@joltdude wrote:

... and please please save the trees and dont go CLI happy on the button ...

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Cap1 is good in this regard -- I've got an online mailbox stuffed with them. No tree chopping for them.