CLI luv with Discover hits a ceiling - sort of

[Berk]

Well, with everyone talking about how much CLI luv they have been getting with Discover I tried it three weeks ago and was bumped the standard $1500.00 instantly bringing my total limit to $20K. Went and did it yesterday and got the "we are processing your request" message. Got a call today asking me to verify my employment. I could not do that today nor do I really want to go through the trouble of doing so, so I canceled the reqest. I did learn two things of importance from the CSR:

1. Discover typically gives CLIs only up to $1500 with a soft pull.

2. Once your limit reaches $20K Discover requires employment verification for each and every CLI request from then on. This can be either you calling them on a phone number from your company or have a supervisor call them and verify employment for you. You will typically still only receive the $1500 increase with a soft pull.

[Anonymous]

Good to know - thanks for sharing!

[baller4life]

I agree with #2. However there have been MANY reports of sp cli requests higher than $1500. Some even $4k.

[Berk]

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@baller4life wrote:
I agree with #2. However there have been MANY reports of sp cli requests higher than $1500. Some even $4k.

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I agree with you on CLI requests prior to Discover granding them every 17 days. I got a 5K bump on one of my requests. Back then you told them how much of a CLI you wanted and the reason you wanted it and they either granted it or countered. You could only do that every 6 months. Now, if you can do it every 17 days, Discover might put a limit on how much of a CLI you get per request. If your CLI request is granted every 17 days for $1500, you will have a $15K increase in 6 months.

[Anonymous]

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@Berk wrote:

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@baller4life wrote:
I agree with #2. However there have been MANY reports of sp cli requests higher than $1500. Some even $4k.

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I agree with you on CLI requests prior to Discover granding them every 17 days. I got a 5K bump on one of my requests. Back then you told them how much of a CLI you wanted and the reason you wanted it and they either granted it or countered. You could only do that every 6 months. Now, if you can do it every 17 days, Discover might put a limit on how much of a CLI you get per request. If your CLI request is granted every 17 days for $1500, you will have a $15K increase in 6 months.

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Plenty of people are getting CLI's larger than $1500 every 16 to 17 days.

[Berk]

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@Anonymous wrote:

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@Berk wrote:

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@baller4life wrote:
I agree with #2. However there have been MANY reports of sp cli requests higher than $1500. Some even $4k.

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I agree with you on CLI requests prior to Discover granding them every 17 days. I got a 5K bump on one of my requests. Back then you told them how much of a CLI you wanted and the reason you wanted it and they either granted it or countered. You could only do that every 6 months. Now, if you can do it every 17 days, Discover might put a limit on how much of a CLI you get per request. If your CLI request is granted every 17 days for $1500, you will have a $15K increase in 6 months.

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Plenty of people are getting CLI's larger than $1500 every 16 to 17 days.

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Then I stand corrected. And, that is very good to know.

[GoldSorata]

My last two CLIs that I've done in 16 day intervals have been $3k each. So it's always very ymmv regardless of what cs says.

[baller4life]

CSRs don't know jack about our luv train!

[revjamesl]

I'm due for some Discover Luv in 2 days. It will take me up to $19.9k if nothing changes.

[Anonymous]

I could go for a $1500 increase, don't be greedy.  They just FINALLY gave me a ticket to the LUV train last night and it was only $500.  However, my limit before was only $1500 so I cant sneeze at a 33% increase.  Will see what happens in a few weeks about another one.  Hoping that BT offer that is in my account will stay for awhile and let me get some more available credit to move over worthless BofA