Has anyone gotten a Discover CLI in less than 1 year during 2020?

[Iusedtolurk]

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@Anonymous wrote:

Not to veer off topic of the thread, but my personal experience with my Discover account is that spend has been a non-factor in CLI success.  That trend has been consistent for me for 4+ years, so definitely enough time to safely say it hasn't mattered one bit.

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@AnonymousInteresting data point. Sooo in your experience what actions would you say awarded a cli (auto and/or request experiences).

Time? Increase in Scores? Utilization revealed in SPs? Accounts with balances? etc. or some hard to put a finger on scenario.

[flexin222]

I'm glad lyTENcil started this topic. I recently put the brakes on purchasing or new credit since I'm going for a house next year. I really haven't been using Disco that much and didn't think they would deny me a CLI, but they did and their letter stated as much. Them denying me is not gonna make me use it more, It will make me use it less. It's not personal I know, but I'm not gonna find ways to put more spend when I don't wanna spend. I'll just charge gas here and there and put that card in the safe as a no credit love card.

[Anonymous]

My personal opinion is that ones profile either jives well with Discover or it doesn't.  For example, I think they prefer a profile that doesn't have a lot of CCs.  For me, they were my 3rd CC ever... but one was closed so at the time I applied I only had 1 other CC.  In my opinion they saw that as an opportunity to become an important figure in my wallet.  I feel like those that have more (say, 5+) CCs, Discover may not wish to "compete" as much for your attention/business.  That's not to say there aren't exceptions to this rule, as I'm sure there's someone out there that had 30 CCs, got Discover and grew it to a big 5-figure limit still.  I just think for me, this factor mattered.  On top of that, I've been extremely persistent in CLI requests.  For the better part of 3 years the least I requested one was monthly and I went a period of nearly a year where I was requesting weekly.  At the time I was approved in 2016 I had a thick/aged/slightly dirty file, which by 2017 was a thick/aged/clean file.

[ChargedUp]

Funny this thread would come up. Just for the heck of it, I hit the luv button, which I haven't touched in a looong time. Denied with a 780 TU. I know it's going to say I don't give them enough love back for a CLI. Fair enough.

Raise the $1500 cap on 5% categories and I'll give them plenty of love 😁

[Anonymous]

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@ChargedUp wrote:

I know it's going to say I don't give them enough love back for a CLI. Fair enough.

Raise the $1500 cap on 5% categories and I'll give them plenty of love 😁

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It's still a fluff denial reason, as people have received Discover CLIs without using the card much if at all.  If someone can get CLIs while Discover sits in the SD during a useless quarter for them, to me that means usage isn't a hard rule for a CLI and that again it goes back to it being profile-related.

[Countryboy1]

My 12th statement just cut with discover and they finally gave me a CLI doubling my original limit. I hit the LUV button every month and came went away with nada until having the card a full year. So in my case 1 year rings true

[Iusedtolurk]

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@Countryboy1 wrote:

My 12th statement just cut with discover and they finally gave me a CLI doubling my original limit. I hit the LUV button every month and came went away with nada until having the card a full year. So in my case 1 year rings true

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@Countryboy1   Congrats on a nice cli! Was it an auto or did you push the button?

[ChargedUp]

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@Anonymous wrote:

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@ChargedUp wrote:

I know it's going to say I don't give them enough love back for a CLI. Fair enough.

Raise the $1500 cap on 5% categories and I'll give them plenty of love 😁

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It's still a fluff denial reason, as people have received Discover CLIs without using the card much if at all.  If someone can get CLIs while Discover sits in the SD during a useless quarter for them, to me that means usage isn't a hard rule for a CLI and that again it goes back to it being profile-related.

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There is truth to that. My file was much thinner when they were giving me huge CLIs, but they were also getting a ton of spend at that same time. I'd write it off as a combo of the two. 

I think I had mine up to $12K or $14K back during the 2% year, but I doubt that I'll ever but that much through it again.

[Anonymous]

That's probably the case for quite a few Discover card holders.  I think everyone has a natural tendency to use a card more the first year, but Discover really grabs that market with their 2%/10% bump up for Year 1.  It takes it from being an obsolete Year 2 "everything else" card to actually being relevant in Year 1, so I think a lot of people use it for general spend those first 12 months.  Once those Year 1 perks go away, I'd imagine your average Discover customer drops their spend by easily 50%, if not 2/3.  That's of course assuming one has a handful of other cards.  Naturally if Discover is all you've got, it will continue to be used similarly after the first year is up.

[noonebutme]

Hey everyone,

I was curious about disco's cli's. I know that they have some secret squirrel way of deciding, but what have people been getting after the one year anniversary? 

I started with a limit of $750

my scores were low 600's when approved and now they are high 600's bordering 700. Never late and only carried a balance for maybe two months. 

thanks in advance.