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Discover unOfficial Data Points

Established Contributor

Re: Discover unOfficial Data Points


BrutalBodyShots wrote:

ALK11 wrote:
Got an increase in 9/6, 10/6, and 11/6 after being denied on 9/5, 10/5, and 11/5 so I figured today would be a good day to try. Nope. Got denied. Here's the kicker. I got my last increase after spending $0 on the card in a six week period directly prior to the request. In the last 3 weeks I spent ~$1300 on the card. So they gave me a $3000 CLI with no activity on the card in six weeks, but didn't give me one after running $1300 through it in a couple weeks.

Were you attempting CLIs every single day? 

 

Sounds like a classic example above of Discover coming through for you after you gave them some "tough love" by not using their card for a bit.  I've seen many people report this, which seems very different than any other lender.  I too was giving Discover $2000-$3000 per cycle last year around this time.  I was getting CLIs every month.  Then they stopped completely.  I continued to give them the same solid spend for several months, then moved my spend to other cards since I wasn't getting any Discover CLIs.  I showed them "tough love" by only giving them a 2-digit spend for probably 6 cycles and kept requesting a CLI every week.  Finally I got one and it was decent at $5500.  No CLI the following cycle, though.


Not every single day. 9/6 was 90 days since I opened the account. So 9/5 would've been 89 days. Then I got an increase twice after exactly a month while being denied the day before for "not enough experience with current limit". 

Message 1301 of 1,633
Valued Contributor

Re: Discover unOfficial Data Points

It updates on the 17th, so he said to do it right after that.   So we shall see.   




(don't try this at home kids)
Message 1302 of 1,633
Super Contributor

Re: Discover unOfficial Data Points


ALK11 wrote:

Not every single day. 9/6 was 90 days since I opened the account. So 9/5 would've been 89 days. Then I got an increase twice after exactly a month while being denied the day before for "not enough experience with current limit". 

Gotcha, but you were at least doing request on the 5th and 6th (back to back days) on Day 89 and Day 90 each of those 3 months.

Message 1303 of 1,633
Established Contributor

Re: Discover unOfficial Data Points


BrutalBodyShots wrote:

ALK11 wrote:

Not every single day. 9/6 was 90 days since I opened the account. So 9/5 would've been 89 days. Then I got an increase twice after exactly a month while being denied the day before for "not enough experience with current limit". 

Gotcha, but you were at least doing request on the 5th and 6th (back to back days) on Day 89 and Day 90 each of those 3 months.


That is correct. Also just decided to hit the button again since it is passed midnight and got another $1500. Go figure.

Message 1304 of 1,633
Valued Contributor

Re: Discover unOfficial Data Points

My statement for the payment due 1/2/18 has just cut (saw it when I checked my account on iPhone this morning), so I'm debating whether I should try the CLI request today or wait until Monday 12/11 as @BrutalBodyShots suggested up-thread.

Ch 7 BK discharged 12/14, well along in rebuilding credit. FICO 6/26/18:TU 665/EX 697/EQ 685 FICO 8 or 682 FICO 9 (Penfed 5/18), VS 3.0 7/5/18: TU 707/EX 709/EQ 701. $81,100 revolving credit as of 7/11/18; $4800 Discover It, $5000 Walmart Store Card, $5500 Discover It #2 (new 3/12/18), $6000 Paypal 2% CB MC, $6000 Amazon Prime Store Card, $7000 Apple FCU Platinum Visa, $7000 Penfed Power Cash Rewards Visa, $8800 Overstock Store Card, $15K Care Credit, $16K Cap One QS Rewards Visa Signature, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Gardening (except CLI's) from 7/3/18 to at least 1/3/18. 22 HP inqs total as of 7/3/18: 9 TU, 9 EQ, 4 EX (about half over 1 year old).
Message 1305 of 1,633
Moderator

Re: Discover unOfficial Data Points


joe8185 wrote:

My statement for the payment due 1/2/18 has just cut (saw it when I checked my account on iPhone this morning), so I'm debating whether I should try the CLI request today or wait until Monday 12/11 as @BrutalBodyShots suggested up-thread.


doesn't matter can mesh the button daily if you want a letter from discover daily saying declined if indeed that is outcome when their computers see the magic day it will approve it until then it is just a guessing game of whem possibly you might be eligable.  Usually it is after statement cut but not always and obviously discover doesn't do every 90 days like clockwork anymore either as this post shows for alot of people.  Best bet whenever you want to hit it just hit it as long as you don't mind killing trees.

Chase | Citibank | Amex | BofA | PenFed | NFCU | Discover | Barclay's | Fifth Third Bank | FNBO | BB&T
Message 1306 of 1,633
Contributor

Re: Discover unOfficial Data Points

Ok, DSC gave me a cli 1 min ago..I was denied every month since feb 2017, had 3 cli's over 4 months before that. scores have been 790's the whole time, util 1% the whole time.

Message 1307 of 1,633
Valued Contributor

Re: Discover unOfficial Data Points


CreditCuriousity wrote:

joe8185 wrote:

My statement for the payment due 1/2/18 has just cut (saw it when I checked my account on iPhone this morning), so I'm debating whether I should try the CLI request today or wait until Monday 12/11 as @BrutalBodyShots suggested up-thread.


doesn't matter can mesh the button daily if you want a letter from discover daily saying declined if indeed that is outcome when their computers see the magic day it will approve it until then it is just a guessing game of whem possibly you might be eligable.  Usually it is after statement cut but not always and obviously discover doesn't do every 90 days like clockwork anymore either as this post shows for alot of people.  Best bet whenever you want to hit it just hit it as long as you don't mind killing trees.


Gave it a try just now, got declined. I'll wait a few days and try again next Monday (12/11).

Ch 7 BK discharged 12/14, well along in rebuilding credit. FICO 6/26/18:TU 665/EX 697/EQ 685 FICO 8 or 682 FICO 9 (Penfed 5/18), VS 3.0 7/5/18: TU 707/EX 709/EQ 701. $81,100 revolving credit as of 7/11/18; $4800 Discover It, $5000 Walmart Store Card, $5500 Discover It #2 (new 3/12/18), $6000 Paypal 2% CB MC, $6000 Amazon Prime Store Card, $7000 Apple FCU Platinum Visa, $7000 Penfed Power Cash Rewards Visa, $8800 Overstock Store Card, $15K Care Credit, $16K Cap One QS Rewards Visa Signature, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Gardening (except CLI's) from 7/3/18 to at least 1/3/18. 22 HP inqs total as of 7/3/18: 9 TU, 9 EQ, 4 EX (about half over 1 year old).
Message 1308 of 1,633
Regular Contributor

Re: Discover unOfficial Data Points

They have until the end of the month to give me a meaningful CLI...at that point I'll have my double CB I suspect and if no CLI...bye bye Disco...

 

Was not impressed.

Message 1309 of 1,633
Valued Contributor

Re: Discover unOfficial Data Points


garagebandking wrote:

They have until the end of the month to give me a meaningful CLI...at that point I'll have my double CB I suspect and if no CLI...bye bye Disco...

 

Was not impressed.


Going to give up 5% back on gas in Q1 because of no CLI? Kind of cutting off your nose to spite your face.

Message 1310 of 1,633