Yet another Discover CLI question.

[Anonymous]

So a couple weeks ago I received a rather nice CLI from discover. Today I login a notice the request CLI option is still available. Figure what the heck its a SP anyway. I enter the info on the first page...hit next get a message stating the request can not be processed at this time a you will receive a letter explaining why in the mail. Got me nervous. Will this result in a HP or will it just state I have to wait so many months? Never got this message for a decline before. Should have it alone.

[Anonymous]

Seems I may have posted this in the wrong place. Please move if necessary.

[Habibimo]

I get that message about every 2 weeks. I never get an instant denial or approval for CLI from them and see same message. Then i always receive a mail stating my denial and reasons. And also i never saw a HP for these messages. So i think you should not see a HP either.

[Anonymous]

i got the same letters twice because i did it 2 two times and it also said it cannot be processed. but never saw a HP.

on the third try i got a 500 CLI lol at least i got something

[Habibimo]

lol lucky you! I've got 7 of those letters so far  

[ojefferyo]

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@Habibimo wrote:

lol lucky you! I've got 7 of those letters so far  

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lol how often do you try?

[Habibimo]

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@ojefferyo wrote:

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@Habibimo wrote:

lol lucky you! I've got 7 of those letters so far  

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lol how often do you try?

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hahaha. I've tried requesting every week and also every 2 weeks. No good. I know why, its because I'm carrying a balance right now. I'll try next month once its PIF.

[ojefferyo]

As long as your file warrants the increase you will get it. They like usage and big payments, not necessarily PIF with Discover

[Anonymous]

Thanks for the replies.
Just thought I would ask as it was different in the past. For the first 8 months I would go through the same menu enter an amount and get a screen saying we cannot compete your request because their is already one I process. Nothing would happen, after a month or so it would reset. Tried this a few times until last month I got a pop up offering a $2500 increase, so I took it. Noticed the option was still there so I tried again. I just never received any explanation letter before.
As a note I had a $200-300 bal on a 3500 credit line when I received the previous increase, I run around ~$500-600 through the card a month and occasionally carry a bal over (0% APR so no worries)

[Habibimo]

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@Habibimo wrote:

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@ojefferyo wrote:

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@Habibimo wrote:

lol lucky you! I've got 7 of those letters so far  

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lol how often do you try?

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hahaha. I've tried requesting every week and also every 2 weeks. No good. I know why, its because I'm carrying a balance right now. I'll try next month once its PIF.

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8

Make that 8