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When to ask for Disco CLI

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Contributor

When to ask for Disco CLI

Hello everyone,

I got approved for my discover it cashback student card on 07/23/19. I've read that first eligible for discover is just after the 3rd statement but just wanted to clarify if it is 91 days or 3 statements? As I said I was approved on 07/23/19 but only have 1 statement so far (next cut date is in October).

Thank you!



Very Happily in the garden until June 2020
Goal Cards:
Chase Sapphire Reserve
7 REPLIES 7
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Valued Contributor

Re: When to ask for Disco CLI

3 statements is typical

 

If disco gives you an auto CLI prior to that then ask for a CLI at that point and then follow up with a call to ask for more (double dip)

500K+ TCL / 800+ FCOs
Message 2 of 8
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Regular Contributor

Re: When to ask for Disco CLI


@Bmn5940 wrote:
Hello everyone,

I got approved for my discover it cashback student card on 07/23/19. I've read that first eligible for discover is just after the 3rd statement but just wanted to clarify if it is 91 days or 3 statements? As I said I was approved on 07/23/19 but only have 1 statement so far (next cut date is in October).

Thank you!

wait like 91 days past before you ask for a CLI.






NFCU Flagship Rewards: $21000
NFCU Cash Rewards: $26000
Discover It: $2000
NFCU Auto Loan: $10800
NFCU line of credit: $500
Total TLs: $49500
Message 3 of 8
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New Contributor

Re: When to ask for Disco CLI


@gjean78 wrote:

@Bmn5940 wrote:
Hello everyone,

I got approved for my discover it cashback student card on 07/23/19. I've read that first eligible for discover is just after the 3rd statement but just wanted to clarify if it is 91 days or 3 statements? As I said I was approved on 07/23/19 but only have 1 statement so far (next cut date is in October).

Thank you!

wait like 91 days past before you ask for a CLI.


91 days after you first get the Discover card. Always remember that some people get lucky and some don't though.

TU Fico8 score December 2018 - 585
TU Fico8 score April 2020 - 709

Cards in order of opening, starting from December 2018
Indigo - $300 (closed before AF! Helped with rebuild)
Fingerhut - $900
Cap1 QS1 - $500 (want to close it so badly!)
Lord & Taylor - $750
CareCredit - $12,000
Tractor Supply - $2,000
Discover - $2,300
Amazon Store Card - $4,000
BBVA Clearpoints - $4,700
Home Depot - $4,000
Ashley Advantage - $3,500
Message 4 of 8
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Contributor

Re: When to ask for Disco CLI

Sounds good! 91 days it is, I'll be sure to update you guys in October when I'm eligible!




Very Happily in the garden until June 2020
Goal Cards:
Chase Sapphire Reserve
Message 5 of 8
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Moderator

Re: When to ask for Disco CLI

Scratch that 91 days. You want to see if you get auto CLI first. If they are to give you one, it usually about a week after the third full statement (sometimes first statement may be a short one, like two weeks or something) 

 

If no auto CLI shows up a week later, then by all means go ahead and ask. 

Also, if you see auto CLI, call them and ask them if there is any additional increase available (double dip)

Sometimes it works, sometimes it doesn't, but cant hurt to try 

 

Also, if you want CLI and financially it makes sense, use that card like you stole it 

(dont spend just to please them, but if it's something you'd be buying anyway, use it) 

I read that banging your head against a wall for one hour burns 150 calories.
If that was the case my scale would have negative numbers.
Message 6 of 8
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Community Leader
Mega Contributor

Re: When to ask for Disco CLI

When you want oneSmiley Wink
Message 7 of 8
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Community Leader
Super Contributor

Re: When to ask for Disco CLI


@AverageJoesCredit wrote:
When you want oneSmiley Wink

😉 Yep, especially since it’s a SP. 


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
Message 8 of 8
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