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How long before a Discover Card CLI?

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Anonymous
Not applicable

How long before a Discover Card CLI?

Had the card for over a year and was given a CL of $750....still waiting to get an increase. Anyone know how long to expect? TU at 730+

Message 1 of 9
8 REPLIES 8
Anonymous
Not applicable

Re: How long before a Discover Card CLI?

You're well within the window to get one. Disco stated after Covid started that no accounts under a year would be considered but you're beyond that so hit 'm up, it's a SP to do so.

Message 2 of 9
Anonymous
Not applicable

Re: How long before a Discover Card CLI?

@Anonymous 

 

Is it better to try the request online or call them up?

Message 3 of 9
Anonymous
Not applicable

Re: How long before a Discover Card CLI?

The process is the same either way. If you call in, they'll just plug your numbers in just as you would online. I'd say do it online, and if it's a Yes, call and ask if there's anything more they can give - some people successfully double-dip that way.

Message 4 of 9
Physh1
Frequent Contributor

Re: How long before a Discover Card CLI?

Disco is always moody...you never know. No harm in asking as it's a soft pull. I haven't seen any love from them in nearly a year.

 

Covid Disco is even more moody than non-Covid Disco...

Message 5 of 9
Anonymous
Not applicable

Re: How long before a Discover Card CLI?

True but you just never know. I haven't had an increase on my ITCash since June of 2019, but I got my third $500 CLI in three months on my Chrome the other day...

Message 6 of 9
JNA1
Valued Contributor

Re: How long before a Discover Card CLI?

🤷‍♂️ 2 years with no soup for me! My Disco is first major card (and my oldest) and it's a my 2nd smallest CL. Most of all of my other cards that are over a year old have grown very well, but not Disco. I've called several times and tried and to escalate it with no luck. The Credit Specialists don't understand it either, but can't give me a reason why.

 

DW just got the Discover It card last month, so mine is going to the SD, unless we exhaust the 5% category on hers and still have some spend to need it. I'll make a 5% category purchase every several months to keep it active, but after putting $45K through this card since I've had it and it not growing, I've kinda put this one in the same category as the Cap 1. I'm going to put my spend on cards that will not grow, unless it benefits me to use it. 

Our credit card journey started 3/2018


Hover over cards to see limits and usage. Total CL - $608,600. Cash Back and SUBs earned as of 5/31/24- $21,590.43
CU Memberships

Goal Cards:

Message 7 of 9
pinkandgrey
Senior Contributor

Re: How long before a Discover Card CLI?

Ask for one! Use the mobile app--it's a SP. 

Disco (in my experience) is quite generous. You might get more than you expect. Plus, you can always call in if the online request isn't what you hope. 

 

Good luck! 

Discover It: 26.5k
Fidelity Visa: 21.5k
Amex Cash Magnet: 20k
Apple Card: 13k
Message 8 of 9
JNA1
Valued Contributor

Re: How long before a Discover Card CLI?


@pinkandgrey wrote:

Ask for one! Use the mobile app--it's a SP. 

Disco (in my experience) is quite generous. You might get more than you expect. Plus, you can always call in if the online request isn't what you hope. 

 

Good luck! 


Agreed! Even though I seem like a Debbie Downer on Disco, I still hit the luv button every month. 

Our credit card journey started 3/2018


Hover over cards to see limits and usage. Total CL - $608,600. Cash Back and SUBs earned as of 5/31/24- $21,590.43
CU Memberships

Goal Cards:

Message 9 of 9
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