How often to request Discover CLI?

[AverageJoesCredit]

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@grower1 wrote:

Discover seems to be pretty generous with CLI. My short history is as follows:

Opened on April 25th, 2018 $5000 

Credit Limit Increase on July 9th 2018 +1,500 = $6500

Credit Limit Increase on October 7th 2018 +3,000 = $9500

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to a select few*  Discover likes you, congrats

[AverageJoesCredit]

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@Anonymous wrote:

My experience with Discover has always been auto, about once a year, they increase it by about 3000

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that's are lot for auto. Well done

[AverageJoesCredit]

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@BessTruman wrote:

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@Anonymous wrote:

I just got my Discover card 3 months ago and requested CLI which was approved.

I'm wondering, how often should I do this?

I know you have to wait 30 days before a CLI is granted, but should I really request once a month?

Would it benefit me to wait it out a little longer?

I got my card in June with a $9500 SL.    I just did an automatic CLI and got $500.   I called to try and get more and they told me I had to wait 30 days.     I may try again in Dec....just before Christmas!        I'm almost at 40% untilization with them.   I'm working on paying it down.   0% interest til Oct 2019!  Sweeeeeet!

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 You are  most likely to see big cli. Getting big sl and then actually using it tends to lead to bigger cli , like 2-5k increases

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[AverageJoesCredit]

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@Anonymous wrote:

I just got my Discover card 3 months ago and requested CLI which was approved.

I'm wondering, how often should I do this?

I know you have to wait 30 days before a CLI is granted, but should I really request once a month?

Would it benefit me to wait it out a little longer?

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You can hit the button as often as you like but will only get approved when you are eligble. I seem to only ever get $500 every 3 months. Truely a YMMV situation 

[joltdude]

It makes NO sense to hit the button more than once a month.. Because they update your scores once a month with a SP .. if you try for a CLI before that,, they use the previously pulled score.. if you try for a CLI after that.. they use the fresh pull...

Any more than once a month is just a waste of paper, and makes you look desprate....

IMHO

-J

Still think a 3 month cycle isnt a bad pace to ask them.... 

-J

[CreditInspired]

IME, when I requested in 3-mo intervals, I got between $1 & 1.5K. When I requested in 6-mo intervals, I got $3K. But here’s a huge caveat. When I requested CLI but wasn’t putting much spend on the card between Nov 2016 & March 2017, I got $0 (3 declines). Reason was something to the effect of not enough experience with CL. So, In my case, as long as I was putting spend on the card, Disco was good to me.

[Anonymous]

For me it is whenever I want to see:

"Insufficient experience with the current limit" on a denial letter.

[xaximus]

Personally, I do it once a month but last 2-3 times, it's been a denial. Even though I don't put much usage on it, I did do a small BT on it that I've been carrying. I wonder if I pay it off completely and then see if I can get a CLI.

[Anonymous]

Once a month, usually after the statement cuts. My first card I got a generous SL, and generous CLIs to double it in the first 1.5 years. The second one with a small SL got doubled after 90 days. Some months I get something, some nothing but I find as long as I put steady amount on it ($$$$ spend is not needed) they will eventually give me a nice CLI.

[Anonymous]

They seem to have me on a 3 month cycle. I hit the button and they offer roughly $1500 every 90 days. I’m up to $12,300 (started at $5k until an auto cli after a year), and I don’t use it often (once every three months on a tank of gas or something).