UPDATE: Discover CLI request, 2-Day review message. Never gotten this before.

[myjourney]

BTW the one in apps is now an approval thus will be moved there 

So don't cross post there pls 

[Anonymous]

Probably because you applied initially under a different product which might have had caps or various cli rules ...

[LuckyBird]

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@Anonymous wrote:
Probably because you applied initially under a different product which might have had caps or various cli rules ...

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This could be the case, hadn't thought about that.  The original card was the Discover More, but I don't know anything about the rules of CLI on that one.

In fact, you may be onto something there, because I think it was just PC'd to the IT last spring, and most of the CLI's have been since then.  Still don't understand why they've been so small, though...income is plenty high enough to support larger increases, I don't carry balances so utilization is very low, and my reports are virtually clean...just that old tax lien.  Ahhhh well...grateful for what I've gotten...

[Ghoshida]

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@LuckyBird wrote:

UPDATE:  When I logged back in this morning, the credit limit was raised another $1,500 to $11,300.  I think $1,500 (possibly $2,000 once...?) has been the highest increase I've ever gotten with Discover.  This account is about 7 or 8 years old and my scores were significantly lower when I got it (but not terrible - like right around 700).  They've always been pretty stingy with me - I think my initial credit limit was only $1,000 and it took a lonnnnnggg time (years) to get this card to grow at all.  I have no late payments ever - the only neg on my reports is a paid state tax lien for $922 in 2010.

Almost all of my increases have been in the last year. I think I was at about $2,200 when I got in on the tail end of the gravy train last summer & I've been requesting increases pretty regularly since then. 

I have a theory that wherever you are credit-wise when you get a Discover card determines how they treat you forever, or at least for a very long time...no matter how much you improve later.  Anyone else noticed that to be the case?

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Not completely sure but the tax lien may be an issue with them.

In my understanding, Discover likes a clean file. They're fine if it's thin, but should be clean.

[Ghoshida]

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@Anonymous wrote:

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@Anonymous wrote:
Any denial.

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i see! i assumed you can only request when it was HP. gtk! thanks!

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I've tried it anytime I get a denial that comes with the standard letter saying "your score from XYZ credit bureau was ABC".

Discover always sends those letters. Even when the reason is "not enough experience with current limits". They also say you can get a free TU report within 60 days. So you're not doing anything illegal. 

Other banks, like Cap One for e.g., may not always send those especially if the reason for denial is less than 6 months since last increase. Not sure if you can ask for the report, but no harm in trying. Though I'd think that the free report request becomes credible when the lender cites the score / bureau in the letter and not simply say "well it's too early". 

SP CLI denials have got me free reports before too. TU for Discover and US Bank, EX for AMEX, and EQ for Cap One back in the days when Cap One wouldn't give me a CLI for many, many months at a stretch (and before I knew the EO route and before my profile became better to get those $2k increases). 

[Anonymous]

Congrats on your successes! I have had one auto CLI since I was approved for my Discover IT. In the past, I was okay with taking a HP for a CLI with Discover but not anymore. I keep it around because of the availability of BTs. Keep up the good work!

[LuckyBird]

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@beautifulblaquepearl wrote:
Congrats on your successes! I have had one auto CLI since I was approved for my Discover IT. In the past, I was okay with taking a HP for a CLI with Discover but not anymore. I keep it around because of the availability of BTs. Keep up the good work!

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Thank you!

All of mine have been soft pulls.  I had a couple of auto-increases early on, but not in several years now.  Every time I've hit the button, though, it's been an instant decision with no hard pull (until this one...still no hard pull but got the 2-Day message)

I never take hard pulls for CLI...that's why my BOA is still so low.  They don't do soft pull increases.  Same with Chase, I think, so I've never requested increases with either of those two.  : (

[Anonymous]

congrats!  i've had the two day message since Friday

[delaney1]

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@LuckyBird wrote:

Apparently the original thread got moved to the Apps board, but since it started here I wanted to update it...

When I logged back in this morning, the credit limit was raised another $1,500 to $11,300.  I think $1,500 (possibly $2,000 once...?) has been the highest increase I've ever gotten with Discover.  This account is about 7 or 8 years old and my scores were significantly lower when I got it (but not terrible - like right around 700).  They've always been pretty stingy with me - I think my initial credit limit was only $1,000 and it took a lonnnnnggg time (years) to get this card to grow at all.  I have no late payments ever - the only neg on my reports is a paid state tax lien for $922 in 2010.

Almost all of my increases have been in the last year. I think I was at about $2,200 when I got in on the tail end of the gravy train last summer & I've been requesting increases pretty regularly since then. 

I have a theory that wherever you are credit-wise when you get a Discover card determines how they treat you forever, or at least for a very long time...no matter how much you improve later.  Anyone else noticed that to be the case?

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I've wondered if they put you into some sort of bucket based on your report as well. Ive decided I'll apply for discover once my derogs drop off. Three more long years(sigh).

[Anonymous]

So discover uses TU for cli?