Any tips and tricks for Discover CLI's?

[AverageJoesCredit]

Tip...Pray , rub dice, practice voo doo, burn insense, close eyes and prqctice throwing darts at a bee hive blindfold lol ( please take these in jest, dont actually do these without the the supervision of a trained professional)

I miss Takeshi ...sigh

[Anonymous]

Doing a BT is a good trick.  If you don't want to pay the fee then do the 0% with 5% interest and just pay it off within the month.

[Anonymous]

Discover is random and seems to treat their customers accordingly, but service wise, always seems to be amazing.  Did you see the article that Discover and American Express tied for first place for most customer loyalty?

I think one other user on here had an instant opening approval higher than mine, at just over 22k.  Mine was at 15k and blown away!  I waited 90 days, took the HP and went right to 20.  Have not had very many $500 increases but, the card has only been open 6 months.

There was a great thread here somewhere and it was all about discover increases.

[Anonymous]

I see everybody but me is getting a high CLI...I have had three 500 cli in over a year with Discover....perfect credit, no lates ect...754 fico and only 6% utilization and a good income...strange 

[Anonymous]

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@Anonymous wrote:

I see everybody but me is getting a high CLI...I have had three 500 cli in over a year with Discover....perfect credit, no lates ect...754 fico and only 6% utilization and a good income...strange 

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What is your monthly spend and what is your current limit?

[Anonymous]

I don't put much on it but I have seen people over and over saying they got 2-3k dollar CLI with just putting the cable bill on it every month as a do. I started out with a 1500 dollar limit and after a year it's only 3000.....in February I did put 735.00 through it and paid in full and march  i put 465.00 on it and just paid it in full.

[ChargedUp]

I got mine with a $5500 limit as my 3rd card. TU was 740-760. I used the hell out of it and paid weekly (About $18K in use in 3 months). and at 3 months an auto CLI to $8800 occurred. Kept the same strategy and hit the love button 3 months later for $2200 more bringing me to $11K, which is where I am right now.

[joltdude]

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@Anonymous wrote:

I see everybody but me is getting a high CLI...I have had three 500 cli in over a year with Discover....perfect credit, no lates ect...754 fico and only 6% utilization and a good income...strange 

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Some questions...

What CB is that 740 on... do you have any other FICOS for other bureaus?

How many INQs do you have on the various bureaus?

How often do you push the CLI button...

What are some of the other cards you have and their limits?

Discover can be a bit jealous esp if they arent a daily driver.... if you have a lot of other cards (and this is relative....)

You PIF or paying off a balance?

Need a little more of your profile to figure out what may or may not be happening... 

-J

[Anonymous]

I pay to get my Fico scores all 3 of them....and the TU fico they have is the same as the credit bureau....I haven't applied for a  new credit card in 6 months and I have two other cards with 10k limits...even my citi card is 6k.... 754 fico should get me better CLI than 500 dollars....I reward credit card companies with my business when they show trust in me. If Discover wants to play this game I will just shut them out. rewards are all over the place compared to other cards.

[Anonymous]

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@Anonymous wrote:

I don't put much on it but I have seen people over and over saying they got 2-3k dollar CLI with just putting the cable bill on it every month as a do. I started out with a 1500 dollar limit and after a year it's only 3000.....in February I did put 735.00 through it and paid in full and march  i put 465.00 on it and just paid it in full.

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It's important to understand that those other people aren't you; they have different credit profiles and perhaps on their profile they can get away with putting a two or low three figure spend through their card where it could take you a four figure spend to get what you want.  All you can do is try different things as it's rare to get a different result by doing the same thing.