Any tips and tricks for Discover CLI's?

[kjm79]

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@SunriseEarth wrote:

My initial CLI was after 90 days of opening the accounts, and I've been able to get them every 90 days.   Mine have always been for $500, but I've walked the CL up from $5K to $6500.

Discover does like heavy use and PIF, and seems to reward those customers with highest CLIs.  I've maintained a balance on my card, since I'm in the promo period still.   However, I'm not sure that most lenders necessarily "like" multiple payments, since many lenders put limits on payments.   If you have a low CL, it's understandable (and maybe necessary) to make multiple payments.   

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Good information, thank you. I might just need to slow down and not be so eager to make the payments. Maybe once a week, or every other week until the limit gets higher to allow more of an available credit cushion. I wouldn't stress it so much if the posting time was a bit quicker or if it let me pay more that the posted balance. 

[SouthJamaica]

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@kjm79 wrote:

Hi! Just received my Discover IT card a few days ago. I'm assuming it, like most cards, likes to see a lot of usage and multiple payments. In the three days I've had it I've run and paid about $1200 through it (CL of $1800). I plan to use it as my daily card and run as much as I can through it and pay off throughout the month. Good course with Discover to get that limit up?

When are the sweet spots/times to ask for CLI? HP vs SP? The luv button is showing on my account but I don't dare click it right now.

Appreciate any shared insight. Thanks! 

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1. It's always soft pull.

2. The sweet spot is 91 days.

3. From what I've observed, people with TU FICO 8 score >740 get large CLI's, other folks get small CLI's.

4. From what I've observed it's a myth that the amount of usage is the big factor for CLI's; I've seen huge CLI's to people who'd SD'd the card, and CLI's denied to people who used the card a lot to get Discover to like them.

[Anonymous]

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@kjm79 wrote:

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@SunriseEarth wrote:

My initial CLI was after 90 days of opening the accounts, and I've been able to get them every 90 days.   Mine have always been for $500, but I've walked the CL up from $5K to $6500.

Discover does like heavy use and PIF, and seems to reward those customers with highest CLIs.  I've maintained a balance on my card, since I'm in the promo period still.   However, I'm not sure that most lenders necessarily "like" multiple payments, since many lenders put limits on payments.   If you have a low CL, it's understandable (and maybe necessary) to make multiple payments.   

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Good information, thank you. I might just need to slow down and not be so eager to make the payments. Maybe once a week, or every other week until the limit gets higher to allow more of an available credit cushion. I wouldn't stress it so much if the posting time was a bit quicker or if it let me pay more that the posted balance. 

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That's where I stand. I just got the card on the 19th of February. I've probably put 1500 through it in about 20 different transactions. There's a large lag time for transactions to post. I figured out for me, it's 3 days either way. Now I'm waiting on seeing how long a cancelled transaction takes to come off as a pending charge.

[Anonymous]

You can always push payments from checking account. Even over pay a bit if you need to make a purchase. 

[CreditMagic7]

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@SouthJamaica wrote:

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@kjm79 wrote:

Hi! Just received my Discover IT card a few days ago. I'm assuming it, like most cards, likes to see a lot of usage and multiple payments. In the three days I've had it I've run and paid about $1200 through it (CL of $1800). I plan to use it as my daily card and run as much as I can through it and pay off throughout the month. Good course with Discover to get that limit up?

When are the sweet spots/times to ask for CLI? HP vs SP? The luv button is showing on my account but I don't dare click it right now.

Appreciate any shared insight. Thanks! 

---

1. It's always soft pull.

2. The sweet spot is 91 days.

3. From what I've observed, people with TU FICO 8 score >740 get large CLI's, other folks get small CLI's.

4. From what I've observed it's a myth that the amount of usage is the big factor for CLI's; I've seen huge CLI's to people who'd SD'd the card, and CLI's denied to people who used the card a lot to get Discover to like them.

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You probably seen a similar trend along this same line with Synchrony.

Some lenders (in this instance Discover) does seem to offer more healthy CLI's with those of higher TU FICO scores, and is not necessarily dependent on usage.

I have both seen and experienced this myself so far.

[Anonymous]

I just got approved for a $2,500 increase today.. Funny thing is my usage was over 80% on the card but I havent received a CLI in the longest time with them. I guess my risk paid off

[Officer737]

I spoke to a Discover rep yesterday and they advised that 90+ days before they can consider a CLI on the first one.

[Anonymous]

My experience with discover CLIs, I had a starting limit of $1000 and I did heavy spend (about $1000-1500 total a month) and paid down before the statement cut and paid in full every month in the first 90 days, requested a CLI at 91 days and got an instant $4000. 31 days later the luv button finally appeared under my card details online so I requested another CLI and got the 2-day review message and approved for another $4000 increase. Now I'm sitting at $9000 limit and plan to hit the luv button again after another 31 days passes. Scores varied from 710-730 in this time frame

[SouthJamaica]

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@Officer737 wrote:

I spoke to a Discover rep yesterday and they advised that 90+ days before they can consider a CLI on the first one.

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Front line CSR's give out misinformation all the time. I got my first Discover CLI at 89 days, and some people have reported getting them at less than 60 days.

[Officer737]

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@SouthJamaica wrote:

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@Officer737 wrote:

I spoke to a Discover rep yesterday and they advised that 90+ days before they can consider a CLI on the first one.

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Front line CSR's give out misinformation all the time. I got my first Discover CLI at 89 days, and some people have reported getting them at less than 60 days.

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I'm no rush as I have a couple other to grow as I work on this one as well. I do agree about frontline CSRs giving the wrong info sometimes.