Advice on Discover CLI?

[Anonymous]

My Discover was opened about 6 months ago. I need some information about Discover CLI. They won't give me increase before 91 days and the increases are only for $500. I seen some post saying they get increase more often then 91 days? I'm I doing something wrong here? Decline reasons are inexperience with current limit.

[NRB525]

How heavily are you using the current limit?

With only 6 months total history on the card, it could be that Discover is comfortable with the $2,500 limit for now.

I don't think Discover considers the limits on other CC when deciding on the CLI amount.

I had a temporary CLI to $8k, which expired in early May 2015. The CL went back down to $5k at that time (technically a CLD). I had used that $8k very heavily, over 95% utilization at points, with BT and charges.

I requested a CLI on May 16, got $1,000, to $6,000. Bummed because I thought they liked pushing the $8k limit and paying it down.

Requested an APR reduction soon after that, which was denied, and the denial letter said "no APR reductions within 4 months of a CLD".

So I held off on the CLI requests for a while, thinking there was an overhang in many areas from the CLD.

Got another CLI on September 23, $500 to $6,500.

Expected to wait another 90 days, but tried again on November 1, got CLI $1,500 to $8k now.

So the CLI that I have gotten are not under any particular pattern, I just keep trying. I'm holding off on the next request, even though it's been more than 90 days, because the balance on the Discover is just fractionally over 30% utilization, and I'm waiting for the credit bureau report at that "over 30%" level before I mess with the CL to see the utilization go under 30%, and any effect on my score from crossing that Utilization threshhold.

[Anonymous]

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@NRB525 wrote:

How heavily are you using the current limit?

With only 6 months total history on the card, it could be that Discover is comfortable with the $2,500 limit for now.

I don't think Discover considers the limits on other CC when deciding on the CLI amount.

I had a temporary CLI to $8k, which expired in early May 2015. The CL went back down to $5k at that time (technically a CLD). I had used that $8k very heavily, over 95% utilization at points, with BT and charges.

I requested a CLI on May 16, got $1,000, to $6,000. Bummed because I thought they liked pushing the $8k limit and paying it down.

Requested an APR reduction soon after that, which was denied, and the denial letter said "no APR reductions within 4 months of a CLD".

So I held off on the CLI requests for a while, thinking there was an overhang in many areas from the CLD.

Got another CLI on September 23, $500 to $6,500.

Expected to wait another 90 days, but tried again on November 1, got CLI $1,500 to $8k now.

So the CLI that I have gotten are not under any particular pattern, I just keep trying. I'm holding off on the next request, even though it's been more than 90 days, because the balance on the Discover is just fractionally over 30% utilization, and I'm waiting for the credit bureau report at that "over 30%" level before I mess with the CL to see the utilization go under 30%, and any effect on my score from crossing that Utilization threshhold.

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I will list all my months spend amounts...

1st $31

2nd  $763

3rd  $2871

4th $72

5th $$2299

6th  $46

[NRB525]

That usage is good to see. There's not much more you could do to "show experience with current limit" beyond that, so kudos for the effort.

With time, I think you should start to see larger CLI amounts. It does take time to build that history.

What are the timings of your CLI requests and approved CLI?

[Anonymous]

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@NRB525 wrote:

That usage is good to see. There's not much more you could do to "show experience with current limit" beyond that, so kudos for the effort.

With time, I think you should start to see larger CLI amounts. It does take time to build that history.

What are the timings of your CLI requests and approved CLI?

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My last increase was approved on Nov 23rd which took me to $2,500. That was 91 days from account opening date. I requested one last week which was denied. My 91 days will be this month on the 22nd. Prior to getting approved for my first increase I requested it every 15 days but they were denied.

[Anonymous]

There is no rhyme or reason with Discover. Some are 31 days, some are 91 days, some are none at all. My usage is way, way less than yours - average of $105 a month - and my last CLI was $4500 at 31 days. But the one before that took 91 days and was much smaller.

[SouthJamaica]

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@Anonymous wrote:

My Discover was opened about 6 months ago. I need some information about Discover CLI. They won't give me increase before 91 days and the increases are only for $500. I seen some post saying they get increase more often then 91 days? I'm I doing something wrong here? Decline reasons are inexperience with current limit.

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They treat different cases differently. The only pattern which I've detected is that they treat people with high FICO scores much better in the size of CLI's.

[Anonymous]

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@Anonymous wrote:

There is no rhyme or reason with Discover. Some are 31 days, some are 91 days, some are none at all. My usage is way, way less than yours - average of $105 a month - and my last CLI was $4500 at 31 days. But the one before that took 91 days and was much smaller.

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Good to know. Thanks!

[Anonymous]

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@Anonymous wrote:

There is no rhyme or reason with Discover. Some are 31 days, some are 91 days, some are none at all. My usage is way, way less than yours - average of $105 a month - and my last CLI was $4500 at 31 days. But the one before that took 91 days and was much smaller.

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What's your FICO score?

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

There is no rhyme or reason with Discover. Some are 31 days, some are 91 days, some are none at all. My usage is way, way less than yours - average of $105 a month - and my last CLI was $4500 at 31 days. But the one before that took 91 days and was much smaller.

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What's your FICO score?

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TU, the one they use for CLI's, is 815.