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Discover CLI

eyarman128
Member

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
9 REPLIES 9
M_Smart007
Epic Contributor

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

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

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
babygirl1256
Valued Contributor

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
Community Leader
Senior Contributor

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: 19.7k
Amex ED: 18k
Citi DC: 7.7k
Fidelity Visa: 2k
Apple Card: 1.5k
Message 6 of 10
Ivylicious1908
Regular Contributor

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
FalconSteve
Established Contributor

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.

SoFi World Elite MC (TBOM) $7000 SL
REDcard (TD Bank) $2500 SL
AmEx Cash Magnet $10k SL, CLI after 36hr to $20k- $30k CL
BB&T Rewards $11k SL- impulse application
BB&T Rewards $11k SL- AU, not on reports- impulse app (wife's card)
Discover $6300 CL- $1k SL- AU, no longer on reports b/c of error (wife's card)
Citi Double Cash WEMC $8400 CL- AU- (wife's card)
AmEx Cash Magnet $27,900 CL (wife's card)
BoA Cash Rewards $11k CL- AU (Dad's card)
BoA Premium Rewards $12.3k CL- AU (Dad's card)
PSECU Founder's Card $30k SL- AU (Dad's card)
AmEx Cash Magnet $30k CL- AU (Dad's card)
Wells Fargo Propel AmEx $3200 CL (AU, wife's card, not on CR b/c I was temporarily removed as an AU)
Wells Fargo Active Cash (2%)- $2k SL- AU (wife's card)
Credit Scores for both of us around 800, depending on what you pull & balances

All PIF, frequently before statement close
Goals: Buy a house & get approved for an AOD VISA Signature card (or other 3% cashback), $250k on CR, $100k NOT including AU accounts
Closed accounts (long period of inactivity): AmEx clear, Citi ThankYou (previously Driver's Edge), Chase Freedom, Cap One, Discover IT, Lowes Charge, my 1st REDcard, Buy.com Visa, Children's Place, Kohl's Charge, Angel Card (AU- wife's), Old Navy card
Message 8 of 10
Legal_Girl
Frequent Contributor

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 NFCU
FICOs EQ - 727/EX - 717/TU - 720/Quicksilver $3,500 / Cred 1 $2,375 / 1st Natl $3,750/ Kohl $5k / Mercury MC $4,400 / NFCU Visa Sig Cash Rew $19,500 / Lowes $12k / Best Buy Visa $9,400/ NFCU LOC $15k / Walmart MC $7.5k / Chase Freedom Unlimited $1,500 / Discover IT $18,500k / Discover IT Chrome $10k /Citi DC $7,200 / AMEX Blue Cash Preferred $2k / Citi Simplicity $7,600 / Citi Rewards $3k/Care Credit $10k/ AMEX Gold
Message 9 of 10
Ivylicious1908
Regular Contributor

Re: Discover CLI

That's good to know thanks!!

Message 10 of 10
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