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Discover unOfficial Data Points

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Anonymous
Not applicable

Re: Discover unOfficial Data Points

So I ended up not getting a CLI this month with Discover; this is my first time not coming away with something which is a bit of a letdown but hopefully that means next month will be solid.

 

It seems if you get the 2 day message and then several more days go by after that and you don't get an increase, indirectly your answer is "no" without actually getting an answer.  After about 6 days I got in touch with CS and they said my request was not approved and that I'd be receiving a letter in the mail with the reason why.  I should be getting that letter any day.  I do think it would be nice if Discover would give you the answer (such as a CLI denial) once they have it.  It seems had I not reached out to CS I'd be waiting on that letter for my offical denial, which it appears would arrive roughly 2 weeks after the CLI request which to me seems to be a long time to get your "no" answer.

 

 

Message 111 of 1,821
FireMedic1
Community Leader
Mega Contributor

Re: Discover unOfficial Data Points

@BBS My account opened 8/21 closed 9/9. It was a short statement. 58 days after opening I got a $800 Luv button increase 10/11. I did the Luv again on day 90 and got the 2 day message. Heard nothng until the mail showed up yesterday alomst 2 weeks later saying "Insufficent experience with current credit limint on Discover Card".  Now that my third full statement ended and PIF. Ran $1250.00. Nothing. No auto cli as of yet. So I'm just gonna let it sit and see what they do. I'll have better luck with my C1 WEMC QS in a couple week after it hits 90 days. They have always given 2k+ since last years rebuild. Oh well.


Message 112 of 1,821
Gmood1
Super Contributor

Re: Discover unOfficial Data Points

I received a two day message when I asked three days before statement closed. This was the same day my FICO updated on the Discover site. Normally if you go back to the increase page. It will state there's nothing else you need to do. I knew it was a denial when I didn't get this the second day. The increase page went back to normal. So I hit them up again on the 8th for a CLI and received another two day message. On the 9th I checked my account and found a $4500 CLI. The 9th is the day my statement cuts every month. From now on I'll request on the 8th or 9th of the month.

Message 113 of 1,821
Anonymous
Not applicable

Re: Discover unOfficial Data Points


@Gmood1 wrote:

I received a two day message when I asked three days before statement closed. This was the same day my FICO updated on the Discover site. Normally if you go back to the increase page. It will state there's nothing else you need to do. I knew it was a denial when I didn't get this the second day. The increase page went back to normal. So I hit them up again on the 8th for a CLI and received another two day message. On the 9th I checked my account and found a $4500 CLI. The 9th is the day my statement cuts every month. From now on I'll request on the 8th or 9th of the month.


The 9th of the month is my request date every month as well Smiley Happy  How many days elapsed between when you requested the CLI before the statement ended and after?  Was it 5?  I've never tried again that quickly, but I also never got a CLI denial until this most recent cycle (this month on the 9th).

Message 114 of 1,821
Gmood1
Super Contributor

Re: Discover unOfficial Data Points

The first request was the 6th. I resubmitted the request as soon as I saw my CLI request page changed back to normal. That was on the 8th. The next day on the 9th, I received the CLI.

Message 115 of 1,821
Anonymous
Not applicable

Re: Discover unOfficial Data Points

+ 800 @ 31 days with a 733 and 2 day message. 1550 spend in those 31 days. Had a balance of 76 bucks. Requested on a Saturday. Came thru on Monday. payment 3 days before statement cut and one 1 day before statement cut trying to get stragglers as they posted.
Message 116 of 1,821
Anonymous
Not applicable

Re: Discover unOfficial Data Points


@Anonymous wrote:

Thanks, austinguy907, for doing so much research and trials on Discover. I wish I would have had this when I first got my Discover card, but I'm glad this info is available to those just starting with them now.

 

I am a lucky one that they made wait 4 months before my first CLI, 126 days to be exact. Maybe it's because I asked too many times in the first 90 days. I will find out on the 14th if I am on the 30 day train, or something longer. Smiley Happy


Update:

I ended up waiting until the 15th to hit the luv button again, because I wanted my latest payment to post first, bringing my balance to zero. I got the 2-day review message. That was Thursday, and today I logged in to see that I've been given an $800 CLI.☺

Message 117 of 1,821
Anonymous
Not applicable

Re: Discover unOfficial Data Points


@Anonymous wrote:

@Anonymous wrote:

Thanks, austinguy907, for doing so much research and trials on Discover. I wish I would have had this when I first got my Discover card, but I'm glad this info is available to those just starting with them now.

 

I am a lucky one that they made wait 4 months before my first CLI, 126 days to be exact. Maybe it's because I asked too many times in the first 90 days. I will find out on the 14th if I am on the 30 day train, or something longer. Smiley Happy


Update:

I ended up waiting until the 15th to hit the luv button again, because I wanted my latest payment to post first, bringing my balance to zero. I got the 2-day review message. That was Thursday, and today I logged in to see that I've been given an $800 CLI.☺


That's awesome Bella! Did you start at 1k? What's your total limit now? 

Message 118 of 1,821
Anonymous
Not applicable

Re: Discover unOfficial Data Points


@Justagirl73 wrote:

@Anonymous wrote:

@Anonymous wrote:

Thanks, austinguy907, for doing so much research and trials on Discover. I wish I would have had this when I first got my Discover card, but I'm glad this info is available to those just starting with them now.

 

I am a lucky one that they made wait 4 months before my first CLI, 126 days to be exact. Maybe it's because I asked too many times in the first 90 days. I will find out on the 14th if I am on the 30 day train, or something longer. Smiley Happy


Update:

I ended up waiting until the 15th to hit the luv button again, because I wanted my latest payment to post first, bringing my balance to zero. I got the 2-day review message. That was Thursday, and today I logged in to see that I've been given an $800 CLI.☺


That's awesome Bella! Did you start at 1k? What's your total limit now? 


Thank you, justagirl! Yes, I started at 1K.

 

7/10/16 approved $1000 SL

11/13/16 CLI $500

12/15/16 CLI $800

Current SL $2300

 

Smiley Happy

Message 119 of 1,821
Anonymous
Not applicable

Re: Discover unOfficial Data Points

Not bad at all! More than doubled your CL in 5 months 😀

Hopefully that will rub off on me 😬

Message 120 of 1,821
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