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Discover CLI

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eyarman128
Established Member
‎05-15-2021 08:06 AM
‎05-15-2021 08:06 AM

Discover CLI

So I've had my Discover card for 13 months this month. It started out as a secured card and graduated at the 7 month mark to $1,800 CL. I have two qesutions. At what point can I request a CLI? Is it a hard pull or a soft pull for the CLI? 

 

Current scores are 

EX= 792

TU=752

EQ=757

I have the Discover card, NFCU Cash rewards, Amex Blue cash rewards, PNC cash rewards

Current overall utilization is at 4%  

Message 1 of 10
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9 REPLIES 9
M_Smart007
Legendary Contributor
‎05-15-2021 08:17 AM
‎05-15-2021 08:17 AM

Re: Discover CLI

@eyarman128 wrote:

So I've had my Discover card for 13 months this month. It started out as a secured card and graduated at the 7 month mark to $1,800 CL. I have two qesutions. At what point can I request a CLI? Is it a hard pull or a soft pull for the CLI? 

 

Current scores are 

EX= 792

TU=752

EQ=757

I have the Discover card, NFCU Cash rewards, Amex Blue cash rewards, PNC cash rewards

Current overall utilization is at 4%  

Congrats on your Disco Graduation. It is a "SP" to request a CLI..

Because of my credit seeking ways, my 2nd Disco card has not seen a CLI in over (2) yearsSmiley Tongue

 

Edited for mis reading the post.

Message 2 of 10
designated_knitter
Established Contributor
‎05-15-2021 08:53 AM
‎05-15-2021 08:53 AM

Re: Discover CLI

@M_Smart007 wrote:
@eyarman128 wrote:

So I've had my Discover card for 13 months this month. It started out as a secured card and graduated at the 7 month mark to $1,800 CL. I have two qesutions. At what point can I request a CLI? Is it a hard pull or a soft pull for the CLI? 

 

Current scores are 

EX= 792

TU=752

EQ=757

I have the Discover card, NFCU Cash rewards, Amex Blue cash rewards, PNC cash rewards

Current overall utilization is at 4%  

Congrats on your Disco Graduation. It is a "SP" to request a CLI..

Because of my credit seeking ways, my 2nd Disco card has not seen a CLI in over (2) yearsSmiley Tongue

 

Edited for mis reading the post.

Same here... my disco graduated over a year ago and despite my credit score being over 670, still got shot down. For "too meant bank cards".

 

Prior to that, they still wouldn't give me anything regardless of of profile.

 

I have since learned that formerly secured cards are bucketed so will have limited growth potential much like Cap 1.  My only hope is to ice my reports for a couple years and hope disco will see fit to bestow another credit card on me.

 

Good luck!

Started Over Again after Cap1 Death Penalty:
06/15/2019:
03/02/2021:
04/06/2021:
05/28/2021:
Lesson Learned: DON'T POKE THE BEAR!!! THE BEAR WILL WIN!!!
Message 3 of 10
designated_knitter
Established Contributor
‎05-15-2021 11:24 AM
‎05-15-2021 11:24 AM

Re: Discover CLI

@eyarman128 wrote:

So I've had my Discover card for 13 months this month. It started out as a secured card and graduated at the 7 month mark to $1,800 CL. I have two qesutions. At what point can I request a CLI? Is it a hard pull or a soft pull for the CLI? 

 

Current scores are 

EX= 792

TU=752

EQ=757

I have the Discover card, NFCU Cash rewards, Amex Blue cash rewards, PNC cash rewards

Current overall utilization is at 4%  

@eyarman128   Sorry for the back2back posts...

 

As for when, I believe the new Covid policy of having to wait a year after graduation is still in effect.

 

Hopefully someone can correct me if I'm wrong.

 

 

Started Over Again after Cap1 Death Penalty:
06/15/2019:
03/02/2021:
04/06/2021:
05/28/2021:
Lesson Learned: DON'T POKE THE BEAR!!! THE BEAR WILL WIN!!!
Message 4 of 10
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babygirl1256
Senior Contributor
‎05-15-2021 01:45 PM
‎05-15-2021 01:45 PM

Re: Discover CLI

@eyarman128 Disco performed a SP on my TU file . . . my first request for a CLI was 6 months after my secured card graduated. Wishing you success on your desired CLI.

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 5 of 10
pinkandgrey
Senior Contributor
‎05-15-2021 02:50 PM
‎05-15-2021 02:50 PM

Re: Discover CLI

You should be able to request through the app and most likely it will be a SP. Disco has been great to me personally. Usually Disco will warn you if it will be a HP. 
Good luck!

Discover It: 21.5k
Amex Cash Magnet: 18k
Fidelity Visa: 16.5k
Apple Card: 4.25k
Message 6 of 10
Ivylicious1908
Regular Contributor
‎07-20-2021 04:02 PM
‎07-20-2021 04:02 PM

Re: Discover CLI

I just received my Disco CC today approved for 10K. So CLI request is every 6 months?

TIA

Message 7 of 10
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FalconSteve
Valued Contributor
‎07-26-2021 08:46 AM
‎07-26-2021 08:46 AM

Re: Discover CLI

@eyarman128 wrote:

So I've had my Discover card for 13 months this month. It started out as a secured card and graduated at the 7 month mark to $1,800 CL. I have two qesutions. At what point can I request a CLI? Is it a hard pull or a soft pull for the CLI? 

 

Current scores are 

EX= 792

TU=752

EQ=757

I have the Discover card, NFCU Cash rewards, Amex Blue cash rewards, PNC cash rewards

Current overall utilization is at 4%  

Discover uses SP for CLI (double check the language to be safe), you can ask for CLI from Discover at any time, but Discover tends to approve you right after a statement cut with activity.

1/8/17 Discover $18300 CL- $1k SL- AU, wife
1/26/20 AmEx Cash Magnet $35k CL, wife
2/19/20 BB&T/Truist Rewards $11k SL- impulse application
2/22/20 Citi Double Cash WEMC $2.9k-->$4.4k-->$8.4k-->$13.4k-->$17.4k-->$19.4k-->$22.4k AU, wife
3/8/20 Wells Fargo Propel AmEx/Autograph VISA $2900-->$3200-->$5000-->$8800 CL- AU, wife
3/9/20 Truist Rewards $11k SL- AU, wife- impulse app
3/21/20 REDcard MasterCard (TD Bank) $2500-->$6000-->$6500 CL
11/24/20 AmEx Cash Magnet $10k SL-->36hr-->$20k-->$35k CL
6/10/21 SoFi World Elite MC (TBOM) $7000 SL
1/19/22 AppleCard/GS $6k-->$10k-->$11k AU, wife
8/15/22 Chase freedom flex $10.3k SL-->$12.5k-->$15k AU, wife
7/5/23 Lowes/Synchrony $4k-->$10k-->same day-->$35k CL
8/2/23 Chase freedom flex $19k --> $22.8 CL
8/2/23 Discover $8k SL
Message 8 of 10
Legal_Girl
Frequent Contributor
‎07-26-2021 02:03 PM
‎07-26-2021 02:03 PM

Re: Discover CLI

My CLIs with Disco have always been SP.  Week before last, I hit the request credit limit increase on the mobile app for my Chrome card and they immediately raised it from 7k to 10k.  I then did the same on my Discover It and it was raised immediately from $16,000 (or $16,500) to $18,500.  These were soft pulls as usual.  

 

Good luck and let us know.

Homeowner Again as of July 17, 2014. Thanks to the VA and NFCU. FICOs EQ - 786/EX - 782/TU - 778/Quicksilver $3,500 / Cred 1 $2,875 / 1st Natl $4,250/ Kohls Visa $5k / Mercury MC $5,850 / NFCU Visa Sig Cash Rew $27k/ Lowes $25k / Best Buy Visa $11k/ NFCU LOC $15k / Walmart MC $7.5k / Chase Freedom Unlimited $1,500 / Discover IT $27,000 / Discover IT Chrome $21,500 / Citi DC $7,300 / AMEX Blue Cash Preferred $17,500 / Citi Simplicity $18,500 / Citi Premier $8,200 / Care Credit $10k/ AMEX Gold - NSL / Chase Sapphire Preferred $20,500
Message 9 of 10
Ivylicious1908
Regular Contributor
‎07-26-2021 03:28 PM
‎07-26-2021 03:28 PM

Re: Discover CLI

That's good to know thanks!!

Message 10 of 10
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