@ElMayimbe wrote:Couple months ago I PC'd my Discover More to IT and in December I hit my 6th month since opening account. I called into Discover with hopes of a SP CLI but I was turned down and I declined to HP for CLI. To date I have a total of 6 hard inquiries, 1 is aged one year and another 3 will be 1y this May. So, my dilemma is... I want to take advantage of the new IT card bonus structure on 1% along with regular tiered on my business travels. Should I take the HP to bump up CL????
The first CLI for Discover is an auto CLI at the 6 month mark. Anything before that will be a HP.
After that if you have the request Credit Line Increase on your home page then your are elegible for an increase. If you are not approved for the amount you put in then the system will counter offer you. Then you have the choice to accept or decline.
@remarc wrote:
That's not quite right. I never got a auto credit increase at six months. I called up and asked & they told me it would be a HP. I politely declined. CSR also told me I hate to wait 18 months before I was eligible for a auto increase.
I'm hoping that at the 1 year mark which is in two months they will increase me with a SP!
Not sure what to do with discover. I love them but its my lowest limit. $1000
That means you were not eligible for a CLI. In my experience, reading other posts on here and my other half did get a CLI at 6 months. But Discover is a true YMMV lender.
