Another big Discover CLI with minimal spend

[Anonymous]

I posted about this back in November when I received a $5000 Discover CLI after making an online request.  That was on 11/12/18.  Less than 2 months later I hit the button again online tonight and was instantly approved for $4500.  My spend has been minimal, as evidenced by my data below.  I offer this information just to show that a heavy spend is not at all necessary with Discover to be able to obtain solid/frequent CLIs; my monthly spend tends to range from nothing to one-half of 1% of my limit.  Recent monthly spends:

September: $15

October:  $0

November:  $0

December: $125

Current:  $0

[Brooklyn2018]

Congrats, BBS!!! 👏👏👏

Interesting DP, thanks for sharing.👍

😊

[Herestohoping19]

That’s interesting I must be doing something wrong then as I will use almost all my credit every month and pay it off twice a month and never carry a balance but I’ve only gotten one increase and it was 250 dollars waited three months tried again and was told that I haven’t shown enough payment history at this credit limit or something on those lines. What am I doing wrong any ideas.

[AverageJoesCredit]

Congrats Brutal. Your case is just not the norm. I believe your profile has been programmed to get these kind of limits. Lol you are bucketed but for the good limit kinds. This just gors to show Discover is profile specific, no 2 the same. I csnt get 2 increases in 3 months if my name was It. Enjoy your new limit, which is??

[kdm31091]

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@Herestohoping19 wrote:
That’s interesting I must be doing something wrong then as I will use almost all my credit every month and pay it off twice a month and never carry a balance but I’ve only gotten one increase and it was 250 dollars waited three months tried again and was told that I haven’t shown enough payment history at this credit limit or something on those lines. What am I doing wrong any ideas.

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You aren't doing anything wrong. Some people are able to get CLIs from Discover while barely using the card (such as OP). Others use it constantly and get minimal increases. Their algorithim has many things that go into it, and usage is only one of them.

IMO, usage really isn't a large factor, as I, like OP, have gotten multiple CLIs without really heavily using the card. So don't overthink the usage thing, or think that that's all that matters.

[credit_endurance]

Congrat BBS on another outstanding increase with disco! As a few have mentioned your profile is golden in their eyes especially with the Dp’s to hand out increases in the range. Their is another member with a $80k limit with them in a very short relationship. Every since I combined my IT with my Miles I have only recieved 1 $300 increase in 6 months. Got my IT card right at the begining of my rebuild and had never got an increase more than $1k at at time. So got the miles card early last year with the notion that my profile had improved more and that would put me in a more favorable position with disco but, the results have been even worse. Only 3 cli’s over the last year all for $300 dollars. Go figure 😕

[Priory_Man]

Nice string of CLI's congrats.

[Cred4All]

Pretty significant CLI from Discover, congrats!

[imaximous]

So you’re the one who steals all my Discover CLIs. 😜

[MartyWrite75]

This is awesome! Congratulations on your massive CLI!