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Best way to receive Discover CLI

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Valued Member

Best way to receive Discover CLI

So I got approved for a discover it chrome with student and I got a paltry SL of 500$, so I ask you credit gods what is the best way/ better chance to receive a CLI either auto or initiated online? I have been using it heavy up to max and making full payments (only did this twice so far).

 

Is it better to use it heavy or what? Just looking to grow this card the most because it gives some of the best cashback.



Starting Score: 588
Current Score: 672
Goal Score: 750


Message 1 of 11
10 REPLIES 10
Valued Contributor

Re: Best way to receive Discover CLI

Use and pay every month works for most.  After 90 days you can ask for a CLI.

500K+ TCL / 800+ FCOs
Message 2 of 11
Valued Member

Re: Best way to receive Discover CLI

Awesome, yeah I was wondering if pay in full after I max it out was better or if leaving some of the charges on the bill after it hits was better etc.

Want to make sure I grow this card the best I can.

Is it 90 days from approval or 90 from card activation?


Starting Score: 588
Current Score: 672
Goal Score: 750


Message 3 of 11
Community Leader
Valued Contributor

Re: Best way to receive Discover CLI

Ah, the age-old question. No one can seem to lock down the answer with certainty lol. In my experience, Disco likes heavy (HEAVY) usage and paying it off quickly. Although I’ve carried a balance and gotten good CLIs too. I guess you could say that Disco is pretty forgiving and lenient. Any form of responsible use will get you an increase, I’d say. 

Discover It: 19.7k
Amex BCE: 18k
Citi DC: 5.7k
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Once you go Berner, you never go back.
Message 4 of 11
Valued Member

Re: Best way to receive Discover CLI

So best thing make payment early to use more before the bill hits. I will be paying off again here tonight then.


Starting Score: 588
Current Score: 672
Goal Score: 750


Message 5 of 11
Community Leader
Mega Contributor

Re: Best way to receive Discover CLI

There really is no way to "make" them give you a CLI. Sometimes they do and it's glorious. Other times, not so much 

In my case, they were very generous for a while...then came crickets and punishing silence 

 

Since September, I've tried love button, horoscope, reading tea leaves, voodoo dolls, tarot cards. I haven't contacted a psychic yet. 

 

Bottom line, use the card for rewards, dont worry about CLI.  Your finances come first. Try after 3rd statement. 

Hopefully we'll see CLI approval threads from you 

EX 759 EQ 774 TU 753


Message 6 of 11
Valued Contributor

Re: Best way to receive Discover CLI


@Clockworkz wrote:
... Is it 90 days from approval or 90 from card activation?

Neither. Discover uses calendar months -- 3 are needed. For example: approved for card on May 21st, eligible for CLI on August 1st.

Here is a write-up of my 75 day CLI.

Good luck!

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (10/17/2019): FICO 08 EXP: 739; TU: 744; EQ: 749
2019 Goal Score: 800 across the board


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Message 7 of 11
Super Contributor

Re: Best way to receive Discover CLI

Don't get too caught up in CLI "schedules" or "methods"; just use your card responsibly, pay the bill, and your behavior will likely be rewarded over time.

Message 8 of 11
Community Leader
Senior Contributor

Re: Best way to receive Discover CLI

Honestly I have found discover to be the most no rhythm or reason card I own. They are completely underpredictable,  nobody really has them figured out😕

EXP 753 TU 781 EQ 733
Message 9 of 11
Valued Member

Re: Best way to receive Discover CLI


@kdm31091 wrote:

Don't get too caught up in CLI "schedules" or "methods"; just use your card responsibly, pay the bill, and your behavior will likely be rewarded over time.


Yeah true, I just hate the low SL so I was just caught up in HOW to get a CLI not necessarily the easiest but the most efficiently. I only ever try to use my cards only if I have the money in my bank to pay off soon as i dislike interest.



Starting Score: 588
Current Score: 672
Goal Score: 750


Message 10 of 11
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