Yo, read through the thread. I just want to say that Discover is lending millions of people money. We don't know what boxes we need to have checked to have them give CLIs, but I have noticed in this thread that some of you guys are treating it as if it's your right to a CLI, or a competition.
Dudes, it's neither. If you need a CLI to make a purchase, call. If you're doing it to get a bigger handle on overall utilization or to game the FICO system, check yourself. I'm fairly new to credit, and while I treat it as a game, after pressing a few luv buttons and getting declined/approved/anything in-between I've realized I usually don't need it. So ask yourselves: am I going to use this credit limit for a purchase, or am I working myself up over nothing?
Not trying to come all sideways at you fine people, we're all in the same boat here. Just hoping to throw my perspective in the mix.
Dudes, it's neither. If you need a CLI to make a purchase, call. If you're doing it to get a bigger handle on overall utilization or to game the FICO system, check yourself. I'm fairly new to credit, and while I treat it as a game, after pressing a few luv buttons and getting declined/approved/anything in-between I've realized I usually don't need it. So ask yourselves: am I going to use this credit limit for a purchase, or am I working myself up over nothing?
Not trying to come all sideways at you fine people, we're all in the same boat here. Just hoping to throw my perspective in the mix.
Welcome to the world of Discover, where up is "orange", down is "37", right is "cat" and wrong is "sunshine." It is a world where logic as you know it does not exist. Discover will randomly like you or dislike you. There is nothing you can do to change it, except wait a while and hope they change their mind.
My oldest open card, with moderately heavy use and flawless payment history, is Discover. My smallest open card is that same Discover. It is slightly more than 10% as big as my biggest card. Why? I don't know? But hey - they recently gave me a $300 CLI! Woohoo! I should caveat my comments by noting that A) my profile is pretty weird (see below), and B) my Discover is a formerly secured card. But still ...
@Azza wrote:
Yo, read through the thread. I just want to say that Discover is lending millions of people money. We don't know what boxes we need to have checked to have them give CLIs, but I have noticed in this thread that some of you guys are treating it as if it's your right to a CLI, or a competition.
Dudes, it's neither. If you need a CLI to make a purchase, call. If you're doing it to get a bigger handle on overall utilization or to game the FICO system, check yourself. I'm fairly new to credit, and while I treat it as a game, after pressing a few luv buttons and getting declined/approved/anything in-between I've realized I usually don't need it. So ask yourselves: am I going to use this credit limit for a purchase, or am I working myself up over nothing?
Not trying to come all sideways at you fine people, we're all in the same boat here. Just hoping to throw my perspective in the mix.
I tried numerous times checking myself, but unfortunately it didn't work. I'd still like a CLI on it, so I'll keep asking. If I don't get it, it's not the end of the world. In fact, I like the fact that I get my TU F8 score free monthly from Discover on the denial letter! 😂
