Discover It Card CLI @ day review message

[Anonymous]

Hi All...

I have posted about my recent success in getting CLI with Discover so thought I would also post this. I received the card in March of 2016 and received a luv button immediate increase at 61 days... then I hit it again 36 days later and received another large increase although not instant it was a 2 day review.

Between both luv button pushes I went from a start of $3k on the card to where it sits today at $10,500.

On 08/16 in the early afternoon, I hit the love button again as this was 32 calendar days since the last.

As of right now, nothing. I am guessing it will be a decline most likely with the reason of 'not enough experience at current credit line" I have averaged $3500-$4000 a month in spend on the card since receiving and PIF each month... only one month cut with a balance and that was only $439 .  My cores when apply and receiving the card were between 675-685 they are not between 695-721.... Will try again in another 31 days.... Not at all shabby and super happy with the card as it is my highest limit a year ago my scores were only in  the mid 500's.... a lot of increase in a 5 month old card I don;t blame them for pulling back a bit. Love Discover it's a great card.

My current credit lines (Discover, USAA, Marvel, Total Rewards, Sportsman Guide, Captial One QS, Capital One Venture) are $36.2k utilization is 1%

Negatives on reports remaining are two PAID medical collections.

I will keep posting my attempts and success or failure with Discover CLI for stats. Thanks all!

[Anonymous]

Don't assume   A review isn't a decline.  It just means you weren't eligible for an auto increase.  I would suggest that you leave the cli button alone for at least a couple months.  Let your history and scores build.  The rest will fall into place.

I have gotten the 2 day message three times and all 3 times I received $3 or $4k increases.  My most recent was yesterday.  I requested a Cli on Monday after I received an email that my statement cut. I thought I might have received an auto increase for my one year anniversary but I didn't.  I had to ask.  I logged in last night and saw that I received a $4k increase.  

I  started at $2.5k one year ago.  I am now at $21.5k.  I won't be requesting any more cli's.  They have been more than generous and $20k allows me enough cushion in the event I need to make a large purchase.  

Good luck!!

[Anonymous]

Will this be HP or SP?

[Anonymous]

SP. They will ask permission before they do an hp and if you see that question, cancel the cli request.  I haven't seen the question come up yet.

[Anonymous]

Wow!  You've done very well  - Discover is definitely your friend.  You're are showing them that this is your go to card, and they've noticed.  Got my fingers crossed for you. Good luck! 

[Anonymous]

Congrats on your CLI!

[Anonymous]

I received the letter in the mail today and as expected it stated; "Insufficient experience a current credit line" as the reason for declining a CLI at this time. No big deal Discover has been great with ClI's for me... will hold off for 60 or so days and request again.

[Anonymous]

Don't worry too much about it- Discover is probably the stingiest bank when it comes to CLIs in my experience. I got one of their cards a few years ago with like a $500 limit since then my other cards have regularly been approved with $20-30k limits or have had increases that drove them that high. Discover on the otherhand never gave me an auto-CLI and the one time I requested it they raised the limit to $1k. So I figured "maybe it's just because they don't want to increase the limit on the old card, try getting a new one and see what limit they give you"- applied for a second card and they gave me $500 limit... 

Rant aside, their review process is bogus and comes back with idiotic responses- "insufficient experience with current line" (when it's been the same for almost 3 years) or my personal favorite "not enough use" (inquiring with a rep lead to this gem "maybe you should put larger charges on it- perhaps a new computer" on a $500 CL wth POS computer can you buy with that?) Be happy that they gave you $10k and get a card from another bank.