Discover Initial CLI Data Point

[DoroLucky]

Last week I noticed a bunch of us received $500 for our first CLI from Discover. For me, this happened after the 2nd statement cut but 2 days before the 3rd statement cut. Noticed some people asking questions so in this thread, I want to gather some data points that will help others in getting their first initial CLI and what they could expect. Please post your stats and let me know if I need to add anything. Hope this helps and thanks for participating. 

Date Account Opened: 3-16-16

Initial SL: $6,600

Months 1st CLI received: 2 months and 16 days

Days 1st CLI received: 77 days

CLI Amount: $500

Carrying Balance On Card?: Yes

Balance Amount: $3,115

Util (just on Discover card): 44%

***also, I did a BT for about $2500 when acct first opened AND this card is my everyday spend for now. On top of the BT, I've run about $4000 through it since opening***

TU Fico 8: 715

Overall Util: 6%

Inqs: 8

AAOA: 3.6 year(s)

[MauiMan85297]

I have had this Discover card since February and although I don't use the card that much I totally forgot about asking for a CLI at 90 days but on 5/31 I received an email that stated my CL was increased to $1700 then hit LUV button exactly 4 days later and received $500 more raising the CL to $2200.

Date Account Opened: 2-15-16

Initial SL: $1,200

Months 1st CLI received: 3 months and 16 days (Auto)

Days 1st CLI received: 106 days

CLI Amount: $500

Carrying Balance On Card?: No

Balance Amount: $0

Util (just on Discover card): 0%

Additional CLI Amount: $500 (3 days after getting Auto CLI, hitting the luv button)

TU Fico 8: 655

EQ Fico 8: 664

EX Fico 8: 660

Overall Util: 29%

Inqs: 6

AAOA: 1.1 year(s)

Oldest age account: 10 years

[CreditMagic7]

Discover has come a long way much better then before.

I know because it took me an entire 18 months after first approved back in 2013 until a very first SP CLI.

Now that they dish them out on a regular basis it only drives more n more customer loyalty their way.

[Anonymous]

I just opened my account few weeks ago, so I don't have anything to add here. But I encourage other Discover card holders to use this data point so that new cardmember can have the right data avalaible to them.

Thanks OP and others.

[MauiMan85297]

Forgot to add that I tried at about 60 days from open and I got denied

[kjm79]

I'll add my data point(s):

Date Account Opened: 3-08-16

Initial SL: $1,800

Months 1st CLI received: 1 day shy of 3 months

Days 1st CLI received: 91 days

CLI Amount: $900

Carrying Balance On Card?: Yes

Balance Amount: $106.00

Util (just on Discover card): .05%

TU Fico 8: 650

Overall Util: 1%

Inqs: 7

AAOA: 6.5 year(s)

[signaturecardmember]

Mine has been open about 2 years starting at $3600 and now at $30k, most of the additional (up to $22k I think) came during the first year, especially when there was a train of increases about every 3 weeks for a bit. I was not carrying a balance or anything up until about October and then have a balance and BT under 0%. Most of it will be switched over to a 0% promotion when this one is up in July and then be paid off. Hope this helps!

[RonM21]

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@CreditMagic7 wrote:

Discover has come a long way much better then before.

I know because it took me an entire 18 months after first approved back in 2013 until a very first SP CLI.

Now that they dish them out on a regular basis it only drives more n more customer loyalty their way.

---

I'm in the same boat, with the exception that they gave me auto increases and the SP increase deal is my fault because I was new to credit and didn't know I could do that lol. So my first soft pull wasn't until almost mid 2015 after getting the card in mid 2013.

[MauiMan85297]

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@signaturecardmember wrote:

Mine has been open about 2 years starting at $3600 and now at $30k, most of the additional (up to $22k I think) came during the first year, especially when there was a train of increases about every 3 weeks for a bit. I was not carrying a balance or anything up until about October and then have a balance and BT under 0%. Most of it will be switched over to a 0% promotion when this one is up in July and then be paid off. Hope this helps!

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Was the increases automatic or by hitting the luv button?

[GeorgiaBulldog]

I'll share my weirdly contrasting data point in that I got a pretty solid starting limit, but no auto CLI and repeatedly shot down by the luv button

Date Account Opened: 1-25-16

Initial SL: $8,300

Months 1st CLI received: Never (4 months and change and counting!)

Days 1st CLI received:  N/A (135 days and counting)

CLI Amount: N/A

Carrying Balance On Card?: I've let balances report, but have always PIF

Balance Amount: $0

Util (just on Discover card): 0%

Additional CLI Amount: N/A

TU Fico 8: 761

EQ Fico 8: 755 (This is EQ FICO 8 Bankcard actually, reported by Citi)

EX Fico 8:  758

Overall Util: 1%

Inqs: 3 on TU, 5 on EQ, 4 on EX

AAOA: Not sure--will have to report back, but should be at least 4-5 yrs.

Oldest age account: Will also have to report back, but 9-10 years