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Question about Discover Card CLI

Jordan23ww
Valued Contributor

Question about Discover Card CLI

I have been wanting to get a limit increase on my Discover Card but the last 2 times I've asked I was denied for having not spent enough of my current available limit. Now I'm curious if anyone has any data points on what Discover might deem an acceptable amount of one's limit to qualify for a CLI.  Is there perhaps a certain percentage of one's current limit we should target spending? 

 

I've had the card since June 2020. Starting limit was $13,500.  At 12 months due to certain 2020 CLI Covid Rules (at the time you had to wait 12 months to be eligible for your 1st increase, this has now changed) I asked for my first limit increase. It was denied for my card not being old enough. After checking in on this forum it was recommended to try again after I got my 12th statement, so I did and I got denied for not spending enough of my current limit. So in month 13 I spent approximately $300 and I tried again and got a $4000 increase ($3500 automatically and did a phone call and double dipped for $500 more) making my limit $17,500. When I first got the card I had a goal to get the limit to $20,000. I am just $2500 away from this goal but I'm stuck.  

 

Fastforward 8 months to March 2022, I decided to ask for another increase and it was denied for not spending enough of my current limit. That was both fair and true. Because I was getting some better multipliers on other cards I have in Qtr 1 of 2022 for the categories they chose I barely used the Discover card at all the 1st qtr of 2022. I had racked up a lot of charges in 2021 Qtr 4 but that looked to have no impact on my request in Qtr 1.  So March and April 2022 I tried to spend $300 to $400 each month and asked again both times I was denied a CLI for not spending enough of my current limit, so what worked last time wasn't working this time. I haven't asked again since April. I figured if I'm not spending more the result would likely be the same.  Has anyone had any success in finding out how to get past this hurdle? Not sure if I need to spend 10% of my total limit, 30%, etc? Any data you can share is much appreciated!  

 

*FYI:  I follow AZEO so this is the card I use to report a balance each month. Other than that small balance I usually pay the card in full then pay the small balance off after the statement cuts. I usually only spend on the 5% categories so no more than $1500 in a 3 month period but usually closer to $300 to $400 a month. I checked the preapproval on the Discover website and I'm preapproved for another Discover card but I am not interested in a 2nd Discover card but just want to grow this one a little more. Thank you in advance for your insight!

 


Message 1 of 18
17 REPLIES 17
AverageJoesCredit
Legendary Contributor

Re: Question about Discover Card CLI


@Jordan23ww wrote:

I have been wanting to get a limit increase on my Discover Card but the last 2 times I've asked I was denied for having not spent enough of my current available limit. Now I'm curious if anyone has any data points on what Discover might deem an acceptable amount of one's limit to qualify for a CLI.  Is there perhaps a certain percentage of one's current limit we should target spending? 

 

I've had the card since June 2020. Starting limit was $13,500.  At 12 months due to certain 2020 CLI Covid Rules (at the time you had to wait 12 months to be eligible for your 1st increase, this has now changed) I asked for my first limit increase. It was denied for my card not being old enough. After checking in on this forum it was recommended to try again after I got my 12th statement, so I did and I got denied for not spending enough of my current limit. So in month 13 I spent approximately $300 and I tried again and got a $4000 increase ($3500 automatically and did a phone call and double dipped for $500 more) making my limit $17,500. When I first got the card I had a goal to get the limit to $20,000. I am just $2500 away from this goal but I'm stuck.  

 

Fastforward 8 months to March 2022, I decided to ask for another increase and it was denied for not spending enough of my current limit. That was both fair and true. Because I was getting some better multipliers on other cards I have in Qtr 1 of 2022 for the categories they chose I barely used the Discover card at all the 1st qtr of 2022. I had racked up a lot of charges in 2021 Qtr 4 but that looked to have no impact on my request in Qtr 1.  So March and April 2022 I tried to spend $300 to $400 each month and asked again both times I was denied a CLI for not spending enough of my current limit, so what worked last time wasn't working this time. I haven't asked again since April. I figured if I'm not spending more the result would likely be the same.  Has anyone had any success in finding out how to get past this hurdle? Not sure if I need to spend 10% of my total limit, 30%, etc? Any data you can share is much appreciated!  

 

*FYI:  I follow AZEO so this is the card I use to report a balance each month. Other than that small balance I usually pay the card in full then pay the small balance off after the statement cuts. I usually only spend on the 5% categories so no more than $1500 in a 3 month period but usually closer to $300 to $400 a month. I checked the preapproval on the Discover website and I'm preapproved for another Discover card but I am not interested in a 2nd Discover card but just want to grow this one a little more. Thank you in advance for your insight!


No one can tell you how to get a cli from Miss Disco, spend or no. Doing BTs sometimes help but not always.

 

I'm surprised you don't want a double cash back card for a year lol.  I would get the second card and after a year see if you are eligible for a cli then combine limits and close the new oneSmiley Wink

Message 2 of 18
SUPERSQUID
Valued Contributor

Re: Question about Discover Card CLI


@AverageJoesCredit wrote:

@Jordan23ww wrote:

I have been wanting to get a limit increase on my Discover Card but the last 2 times I've asked I was denied for having not spent enough of my current available limit. Now I'm curious if anyone has any data points on what Discover might deem an acceptable amount of one's limit to qualify for a CLI.  Is there perhaps a certain percentage of one's current limit we should target spending? 

 

I've had the card since June 2020. Starting limit was $13,500.  At 12 months due to certain 2020 CLI Covid Rules (at the time you had to wait 12 months to be eligible for your 1st increase, this has now changed) I asked for my first limit increase. It was denied for my card not being old enough. After checking in on this forum it was recommended to try again after I got my 12th statement, so I did and I got denied for not spending enough of my current limit. So in month 13 I spent approximately $300 and I tried again and got a $4000 increase ($3500 automatically and did a phone call and double dipped for $500 more) making my limit $17,500. When I first got the card I had a goal to get the limit to $20,000. I am just $2500 away from this goal but I'm stuck.  

 

Fastforward 8 months to March 2022, I decided to ask for another increase and it was denied for not spending enough of my current limit. That was both fair and true. Because I was getting some better multipliers on other cards I have in Qtr 1 of 2022 for the categories they chose I barely used the Discover card at all the 1st qtr of 2022. I had racked up a lot of charges in 2021 Qtr 4 but that looked to have no impact on my request in Qtr 1.  So March and April 2022 I tried to spend $300 to $400 each month and asked again both times I was denied a CLI for not spending enough of my current limit, so what worked last time wasn't working this time. I haven't asked again since April. I figured if I'm not spending more the result would likely be the same.  Has anyone had any success in finding out how to get past this hurdle? Not sure if I need to spend 10% of my total limit, 30%, etc? Any data you can share is much appreciated!  

 

*FYI:  I follow AZEO so this is the card I use to report a balance each month. Other than that small balance I usually pay the card in full then pay the small balance off after the statement cuts. I usually only spend on the 5% categories so no more than $1500 in a 3 month period but usually closer to $300 to $400 a month. I checked the preapproval on the Discover website and I'm preapproved for another Discover card but I am not interested in a 2nd Discover card but just want to grow this one a little more. Thank you in advance for your insight!


No one can tell you how to get a cli from Miss Disco, spend or no. Doing BTs sometimes help but not always.

 

I'm surprised you don't want a double cash back card for a year lol.  I would get the second card and after a year see if you are eligible for a cli then combine limits and close the new oneSmiley Wink


Mysterious Miss Disco. My first year ends in june, 10 pct back on gas is monster right now.

{ BK7 DC 12/2019 } target 1000/ kohls 2500/ discover 3k /mercury 3350 /ollo 600 /mission lane 1050/ ikea 750/ firestone 2800 /legacy 2000 /first savings bank cc 2000/ cap1 QS 2k/ cap 1 savor one 3100 /comenity rewards mc 1k, Penfed PCR signature visa 7.5k, NFCU >signature visa cash rewards 9700/bread cashback amex 6k

>/ nfcu platinum 1k, BABY NEEDS NEW SHOES !!!!!
Message 3 of 18
AverageJoesCredit
Legendary Contributor

Re: Question about Discover Card CLI


@SUPERSQUID wrote:

@AverageJoesCredit wrote:

@Jordan23ww wrote:

I have been wanting to get a limit increase on my Discover Card but the last 2 times I've asked I was denied for having not spent enough of my current available limit. Now I'm curious if anyone has any data points on what Discover might deem an acceptable amount of one's limit to qualify for a CLI.  Is there perhaps a certain percentage of one's current limit we should target spending? 

 

I've had the card since June 2020. Starting limit was $13,500.  At 12 months due to certain 2020 CLI Covid Rules (at the time you had to wait 12 months to be eligible for your 1st increase, this has now changed) I asked for my first limit increase. It was denied for my card not being old enough. After checking in on this forum it was recommended to try again after I got my 12th statement, so I did and I got denied for not spending enough of my current limit. So in month 13 I spent approximately $300 and I tried again and got a $4000 increase ($3500 automatically and did a phone call and double dipped for $500 more) making my limit $17,500. When I first got the card I had a goal to get the limit to $20,000. I am just $2500 away from this goal but I'm stuck.  

 

Fastforward 8 months to March 2022, I decided to ask for another increase and it was denied for not spending enough of my current limit. That was both fair and true. Because I was getting some better multipliers on other cards I have in Qtr 1 of 2022 for the categories they chose I barely used the Discover card at all the 1st qtr of 2022. I had racked up a lot of charges in 2021 Qtr 4 but that looked to have no impact on my request in Qtr 1.  So March and April 2022 I tried to spend $300 to $400 each month and asked again both times I was denied a CLI for not spending enough of my current limit, so what worked last time wasn't working this time. I haven't asked again since April. I figured if I'm not spending more the result would likely be the same.  Has anyone had any success in finding out how to get past this hurdle? Not sure if I need to spend 10% of my total limit, 30%, etc? Any data you can share is much appreciated!  

 

*FYI:  I follow AZEO so this is the card I use to report a balance each month. Other than that small balance I usually pay the card in full then pay the small balance off after the statement cuts. I usually only spend on the 5% categories so no more than $1500 in a 3 month period but usually closer to $300 to $400 a month. I checked the preapproval on the Discover website and I'm preapproved for another Discover card but I am not interested in a 2nd Discover card but just want to grow this one a little more. Thank you in advance for your insight!


No one can tell you how to get a cli from Miss Disco, spend or no. Doing BTs sometimes help but not always.

 

I'm surprised you don't want a double cash back card for a year lol.  I would get the second card and after a year see if you are eligible for a cli then combine limits and close the new oneSmiley Wink


Mysterious Miss Disco. My first year ends in june, 10 pct back on gas is monster right now.


Lol you don't saySmiley Wink. I'm using Disco at 5% right now with occasional Citi CCSmiley Wink

Message 4 of 18
Jordan23ww
Valued Contributor

Re: Question about Discover Card CLI


@AverageJoesCredit wrote:

@Jordan23ww wrote:

I have been wanting to get a limit increase on my Discover Card but the last 2 times I've asked I was denied for having not spent enough of my current available limit. Now I'm curious if anyone has any data points on what Discover might deem an acceptable amount of one's limit to qualify for a CLI.  Is there perhaps a certain percentage of one's current limit we should target spending? 

 

I've had the card since June 2020. Starting limit was $13,500.  At 12 months due to certain 2020 CLI Covid Rules (at the time you had to wait 12 months to be eligible for your 1st increase, this has now changed) I asked for my first limit increase. It was denied for my card not being old enough. After checking in on this forum it was recommended to try again after I got my 12th statement, so I did and I got denied for not spending enough of my current limit. So in month 13 I spent approximately $300 and I tried again and got a $4000 increase ($3500 automatically and did a phone call and double dipped for $500 more) making my limit $17,500. When I first got the card I had a goal to get the limit to $20,000. I am just $2500 away from this goal but I'm stuck.  

 

Fastforward 8 months to March 2022, I decided to ask for another increase and it was denied for not spending enough of my current limit. That was both fair and true. Because I was getting some better multipliers on other cards I have in Qtr 1 of 2022 for the categories they chose I barely used the Discover card at all the 1st qtr of 2022. I had racked up a lot of charges in 2021 Qtr 4 but that looked to have no impact on my request in Qtr 1.  So March and April 2022 I tried to spend $300 to $400 each month and asked again both times I was denied a CLI for not spending enough of my current limit, so what worked last time wasn't working this time. I haven't asked again since April. I figured if I'm not spending more the result would likely be the same.  Has anyone had any success in finding out how to get past this hurdle? Not sure if I need to spend 10% of my total limit, 30%, etc? Any data you can share is much appreciated!  

 

*FYI:  I follow AZEO so this is the card I use to report a balance each month. Other than that small balance I usually pay the card in full then pay the small balance off after the statement cuts. I usually only spend on the 5% categories so no more than $1500 in a 3 month period but usually closer to $300 to $400 a month. I checked the preapproval on the Discover website and I'm preapproved for another Discover card but I am not interested in a 2nd Discover card but just want to grow this one a little more. Thank you in advance for your insight!


No one can tell you how to get a cli from Miss Disco, spend or no. Doing BTs sometimes help but not always.

 

I'm surprised you don't want a double cash back card for a year lol.  I would get the second card and after a year see if you are eligible for a cli then combine limits and close the new oneSmiley Wink


@AverageJoesCredit thanks for chiming in. Discover is ALWAYS sending me balance transfer offers. Since I pay in full I literally have nothing to even transfer. Last month I had my Amex BCP annual fee hit for $95 so my reported balance across my 21 cards was $110. Normally it is $15 from me doing AZEO.

 

 There's multiple reasons I don't want another Discover Card. I'm trying to get under 5/24 for the Chase Ink Cash, I already have 5 cards that give 2% back already, sometimes I struggle to max out the 5% categories as is due to what has been chosen lately so I wouldn't benefit from having 2 Discover cards/ $3000 available each quarter. I was hoping to grow this one card. Thanks again though for your input!  

 


Message 5 of 18
Jordan23ww
Valued Contributor

Re: Question about Discover Card CLI


@SUPERSQUID wrote:

@AverageJoesCredit wrote:

@Jordan23ww wrote:

I have been wanting to get a limit increase on my Discover Card but the last 2 times I've asked I was denied for having not spent enough of my current available limit. Now I'm curious if anyone has any data points on what Discover might deem an acceptable amount of one's limit to qualify for a CLI.  Is there perhaps a certain percentage of one's current limit we should target spending? 

 

I've had the card since June 2020. Starting limit was $13,500.  At 12 months due to certain 2020 CLI Covid Rules (at the time you had to wait 12 months to be eligible for your 1st increase, this has now changed) I asked for my first limit increase. It was denied for my card not being old enough. After checking in on this forum it was recommended to try again after I got my 12th statement, so I did and I got denied for not spending enough of my current limit. So in month 13 I spent approximately $300 and I tried again and got a $4000 increase ($3500 automatically and did a phone call and double dipped for $500 more) making my limit $17,500. When I first got the card I had a goal to get the limit to $20,000. I am just $2500 away from this goal but I'm stuck.  

 

Fastforward 8 months to March 2022, I decided to ask for another increase and it was denied for not spending enough of my current limit. That was both fair and true. Because I was getting some better multipliers on other cards I have in Qtr 1 of 2022 for the categories they chose I barely used the Discover card at all the 1st qtr of 2022. I had racked up a lot of charges in 2021 Qtr 4 but that looked to have no impact on my request in Qtr 1.  So March and April 2022 I tried to spend $300 to $400 each month and asked again both times I was denied a CLI for not spending enough of my current limit, so what worked last time wasn't working this time. I haven't asked again since April. I figured if I'm not spending more the result would likely be the same.  Has anyone had any success in finding out how to get past this hurdle? Not sure if I need to spend 10% of my total limit, 30%, etc? Any data you can share is much appreciated!  

 

*FYI:  I follow AZEO so this is the card I use to report a balance each month. Other than that small balance I usually pay the card in full then pay the small balance off after the statement cuts. I usually only spend on the 5% categories so no more than $1500 in a 3 month period but usually closer to $300 to $400 a month. I checked the preapproval on the Discover website and I'm preapproved for another Discover card but I am not interested in a 2nd Discover card but just want to grow this one a little more. Thank you in advance for your insight!


No one can tell you how to get a cli from Miss Disco, spend or no. Doing BTs sometimes help but not always.

 

I'm surprised you don't want a double cash back card for a year lol.  I would get the second card and after a year see if you are eligible for a cli then combine limits and close the new oneSmiley Wink


Mysterious Miss Disco. My first year ends in june, 10 pct back on gas is monster right now.


@SUPERSQUID you picked a fantastic time to have the double cash back match offer. That 10% on gas is clutch right now!  Best wishes to you whenever you go for your first increase.  I suggest spending as much as you can in month 12 and letting that 12th statement post before you ask for an increase. Best wishes to you when the time comes!

 


Message 6 of 18
SUPERSQUID
Valued Contributor

Re: Question about Discover Card CLI


@Jordan23ww wrote:

@SUPERSQUID wrote:

@AverageJoesCredit wrote:

@Jordan23ww wrote:

I have been wanting to get a limit increase on my Discover Card but the last 2 times I've asked I was denied for having not spent enough of my current available limit. Now I'm curious if anyone has any data points on what Discover might deem an acceptable amount of one's limit to qualify for a CLI.  Is there perhaps a certain percentage of one's current limit we should target spending? 

 

I've had the card since June 2020. Starting limit was $13,500.  At 12 months due to certain 2020 CLI Covid Rules (at the time you had to wait 12 months to be eligible for your 1st increase, this has now changed) I asked for my first limit increase. It was denied for my card not being old enough. After checking in on this forum it was recommended to try again after I got my 12th statement, so I did and I got denied for not spending enough of my current limit. So in month 13 I spent approximately $300 and I tried again and got a $4000 increase ($3500 automatically and did a phone call and double dipped for $500 more) making my limit $17,500. When I first got the card I had a goal to get the limit to $20,000. I am just $2500 away from this goal but I'm stuck.  

 

Fastforward 8 months to March 2022, I decided to ask for another increase and it was denied for not spending enough of my current limit. That was both fair and true. Because I was getting some better multipliers on other cards I have in Qtr 1 of 2022 for the categories they chose I barely used the Discover card at all the 1st qtr of 2022. I had racked up a lot of charges in 2021 Qtr 4 but that looked to have no impact on my request in Qtr 1.  So March and April 2022 I tried to spend $300 to $400 each month and asked again both times I was denied a CLI for not spending enough of my current limit, so what worked last time wasn't working this time. I haven't asked again since April. I figured if I'm not spending more the result would likely be the same.  Has anyone had any success in finding out how to get past this hurdle? Not sure if I need to spend 10% of my total limit, 30%, etc? Any data you can share is much appreciated!  

 

*FYI:  I follow AZEO so this is the card I use to report a balance each month. Other than that small balance I usually pay the card in full then pay the small balance off after the statement cuts. I usually only spend on the 5% categories so no more than $1500 in a 3 month period but usually closer to $300 to $400 a month. I checked the preapproval on the Discover website and I'm preapproved for another Discover card but I am not interested in a 2nd Discover card but just want to grow this one a little more. Thank you in advance for your insight!


No one can tell you how to get a cli from Miss Disco, spend or no. Doing BTs sometimes help but not always.

 

I'm surprised you don't want a double cash back card for a year lol.  I would get the second card and after a year see if you are eligible for a cli then combine limits and close the new oneSmiley Wink


Mysterious Miss Disco. My first year ends in june, 10 pct back on gas is monster right now.


@SUPERSQUID you picked a fantastic time to have the double cash back match offer. That 10% on gas is clutch right now!  Best wishes to you whenever you go for your first increase.  I suggest spending as much as you can in month 12 and letting that 12th statement post before you ask for an increase. Best wishes to you when the time comes!


Thank you for the well wishes. I tried for my first cli at 9 months and was denied, but at some time i will try again, I'm a glutton for punishment.

{ BK7 DC 12/2019 } target 1000/ kohls 2500/ discover 3k /mercury 3350 /ollo 600 /mission lane 1050/ ikea 750/ firestone 2800 /legacy 2000 /first savings bank cc 2000/ cap1 QS 2k/ cap 1 savor one 3100 /comenity rewards mc 1k, Penfed PCR signature visa 7.5k, NFCU >signature visa cash rewards 9700/bread cashback amex 6k

>/ nfcu platinum 1k, BABY NEEDS NEW SHOES !!!!!
Message 7 of 18
SouthJamaica
Mega Contributor

Re: Question about Discover Card CLI


@Jordan23ww wrote:

I have been wanting to get a limit increase on my Discover Card but the last 2 times I've asked I was denied for having not spent enough of my current available limit. Now I'm curious if anyone has any data points on what Discover might deem an acceptable amount of one's limit to qualify for a CLI.  Is there perhaps a certain percentage of one's current limit we should target spending? 

 

I've had the card since June 2020. Starting limit was $13,500.  At 12 months due to certain 2020 CLI Covid Rules (at the time you had to wait 12 months to be eligible for your 1st increase, this has now changed) I asked for my first limit increase. It was denied for my card not being old enough. After checking in on this forum it was recommended to try again after I got my 12th statement, so I did and I got denied for not spending enough of my current limit. So in month 13 I spent approximately $300 and I tried again and got a $4000 increase ($3500 automatically and did a phone call and double dipped for $500 more) making my limit $17,500. When I first got the card I had a goal to get the limit to $20,000. I am just $2500 away from this goal but I'm stuck.  

 

Fastforward 8 months to March 2022, I decided to ask for another increase and it was denied for not spending enough of my current limit. That was both fair and true. Because I was getting some better multipliers on other cards I have in Qtr 1 of 2022 for the categories they chose I barely used the Discover card at all the 1st qtr of 2022. I had racked up a lot of charges in 2021 Qtr 4 but that looked to have no impact on my request in Qtr 1.  So March and April 2022 I tried to spend $300 to $400 each month and asked again both times I was denied a CLI for not spending enough of my current limit, so what worked last time wasn't working this time. I haven't asked again since April. I figured if I'm not spending more the result would likely be the same.  Has anyone had any success in finding out how to get past this hurdle? Not sure if I need to spend 10% of my total limit, 30%, etc? Any data you can share is much appreciated!  

 

*FYI:  I follow AZEO so this is the card I use to report a balance each month. Other than that small balance I usually pay the card in full then pay the small balance off after the statement cuts. I usually only spend on the 5% categories so no more than $1500 in a 3 month period but usually closer to $300 to $400 a month. I checked the preapproval on the Discover website and I'm preapproved for another Discover card but I am not interested in a 2nd Discover card but just want to grow this one a little more. Thank you in advance for your insight!


Back in the day when Discover CLI's were the talk of this town, there were dozens of different theories being bandied about. People were having such different experiences. Some got big CLI's with heavy use, some got big CLI's with light use, some got big CLI's with no use. Some, like me and @AverageJoesCredit, couldn't buy a big CLI no matter what we tried.

 

I eventually came to the conclusion that Discover's CLI "policies" were written by a roomful of monkeys with keyboards.

 

In the years since, nothing has caused me to waver from that conclusion.


Total revolving limits 689000 (587000 reporting) FICO 8: EQ 718 TU 721 EX 698

Message 8 of 18
AverageJoesCredit
Legendary Contributor

Re: Question about Discover Card CLI


@SouthJamaica wrote:

@Jordan23ww wrote:

I have been wanting to get a limit increase on my Discover Card but the last 2 times I've asked I was denied for having not spent enough of my current available limit. Now I'm curious if anyone has any data points on what Discover might deem an acceptable amount of one's limit to qualify for a CLI.  Is there perhaps a certain percentage of one's current limit we should target spending? 

 

I've had the card since June 2020. Starting limit was $13,500.  At 12 months due to certain 2020 CLI Covid Rules (at the time you had to wait 12 months to be eligible for your 1st increase, this has now changed) I asked for my first limit increase. It was denied for my card not being old enough. After checking in on this forum it was recommended to try again after I got my 12th statement, so I did and I got denied for not spending enough of my current limit. So in month 13 I spent approximately $300 and I tried again and got a $4000 increase ($3500 automatically and did a phone call and double dipped for $500 more) making my limit $17,500. When I first got the card I had a goal to get the limit to $20,000. I am just $2500 away from this goal but I'm stuck.  

 

Fastforward 8 months to March 2022, I decided to ask for another increase and it was denied for not spending enough of my current limit. That was both fair and true. Because I was getting some better multipliers on other cards I have in Qtr 1 of 2022 for the categories they chose I barely used the Discover card at all the 1st qtr of 2022. I had racked up a lot of charges in 2021 Qtr 4 but that looked to have no impact on my request in Qtr 1.  So March and April 2022 I tried to spend $300 to $400 each month and asked again both times I was denied a CLI for not spending enough of my current limit, so what worked last time wasn't working this time. I haven't asked again since April. I figured if I'm not spending more the result would likely be the same.  Has anyone had any success in finding out how to get past this hurdle? Not sure if I need to spend 10% of my total limit, 30%, etc? Any data you can share is much appreciated!  

 

*FYI:  I follow AZEO so this is the card I use to report a balance each month. Other than that small balance I usually pay the card in full then pay the small balance off after the statement cuts. I usually only spend on the 5% categories so no more than $1500 in a 3 month period but usually closer to $300 to $400 a month. I checked the preapproval on the Discover website and I'm preapproved for another Discover card but I am not interested in a 2nd Discover card but just want to grow this one a little more. Thank you in advance for your insight!


Back in the day when Discover CLI's were the talk of this town, there were dozens of different theories being bandied about. People were having such different experiences. Some got big CLI's with heavy use, some got big CLI's with light use, some got big CLI's with no use. Some, like me and @AverageJoesCredit, couldn't buy a big CLI no matter what we tried.

 

I eventually came to the conclusion that Discover's CLI "policies" were written by a roomful of monkeys with keyboards.

 

In the years since, nothing has caused me to waver from that conclusion.


Ah yes the good old daysSmiley Wink. Back then we began our beloved journey with the South Jamaican Special at a robust $300 which grew into an AJC Special at a blissful $500 , onwards to the @joltdude Special at $3000 until we all clamored for the BrutalBodyShots Special at $5000Smiley Wink

 

To wit, she is as mysterious as ever just not as funSmiley Sad

Message 9 of 18
AverageJoesCredit
Legendary Contributor

Re: Question about Discover Card CLI


@Jordan23ww wrote:

@AverageJoesCredit wrote:

@Jordan23ww wrote:

I have been wanting to get a limit increase on my Discover Card but the last 2 times I've asked I was denied for having not spent enough of my current available limit. Now I'm curious if anyone has any data points on what Discover might deem an acceptable amount of one's limit to qualify for a CLI.  Is there perhaps a certain percentage of one's current limit we should target spending? 

 

I've had the card since June 2020. Starting limit was $13,500.  At 12 months due to certain 2020 CLI Covid Rules (at the time you had to wait 12 months to be eligible for your 1st increase, this has now changed) I asked for my first limit increase. It was denied for my card not being old enough. After checking in on this forum it was recommended to try again after I got my 12th statement, so I did and I got denied for not spending enough of my current limit. So in month 13 I spent approximately $300 and I tried again and got a $4000 increase ($3500 automatically and did a phone call and double dipped for $500 more) making my limit $17,500. When I first got the card I had a goal to get the limit to $20,000. I am just $2500 away from this goal but I'm stuck.  

 

Fastforward 8 months to March 2022, I decided to ask for another increase and it was denied for not spending enough of my current limit. That was both fair and true. Because I was getting some better multipliers on other cards I have in Qtr 1 of 2022 for the categories they chose I barely used the Discover card at all the 1st qtr of 2022. I had racked up a lot of charges in 2021 Qtr 4 but that looked to have no impact on my request in Qtr 1.  So March and April 2022 I tried to spend $300 to $400 each month and asked again both times I was denied a CLI for not spending enough of my current limit, so what worked last time wasn't working this time. I haven't asked again since April. I figured if I'm not spending more the result would likely be the same.  Has anyone had any success in finding out how to get past this hurdle? Not sure if I need to spend 10% of my total limit, 30%, etc? Any data you can share is much appreciated!  

 

*FYI:  I follow AZEO so this is the card I use to report a balance each month. Other than that small balance I usually pay the card in full then pay the small balance off after the statement cuts. I usually only spend on the 5% categories so no more than $1500 in a 3 month period but usually closer to $300 to $400 a month. I checked the preapproval on the Discover website and I'm preapproved for another Discover card but I am not interested in a 2nd Discover card but just want to grow this one a little more. Thank you in advance for your insight!


No one can tell you how to get a cli from Miss Disco, spend or no. Doing BTs sometimes help but not always.

 

I'm surprised you don't want a double cash back card for a year lol.  I would get the second card and after a year see if you are eligible for a cli then combine limits and close the new oneSmiley Wink


@AverageJoesCredit thanks for chiming in. Discover is ALWAYS sending me balance transfer offers. Since I pay in full I literally have nothing to even transfer. Last month I had my Amex BCP annual fee hit for $95 so my reported balance across my 21 cards was $110. Normally it is $15 from me doing AZEO.

 

 There's multiple reasons I don't want another Discover Card. I'm trying to get under 5/24 for the Chase Ink Cash, I already have 5 cards that give 2% back already, sometimes I struggle to max out the 5% categories as is due to what has been chosen lately so I wouldn't benefit from having 2 Discover cards/ $3000 available each quarter. I was hoping to grow this one card. Thanks again though for your input!  


No worries my friendSmiley Happy. I'm so past thinking in terms of how much rewards I can get , it's fun just to get a new card for the collection..once you get past.....6.....lol it's on Smiley Happy. I think I'm at 36 now 😁

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