Chase, Discover and CITI

thelastoneonearth · ‎07-23-2014

I finally have those cards in my wallet. How does the CLI love get spread? Who usually does good with auto CLI'?

Capital One Secured Platinum $750.00, Amazon Store Card $500.00, AEO Visa $4000.00, PlayStation Credit Card $500.00, My BestBuy Platinum MasterCard $1000.00 Amazon Chase $500.00 Discover IT $1500. Chase Disney Premier Visa $5000. Barclays Carnival Cruise MasterCard $500 Bank of America Norwegian Visa Signature $1500 "Apple Card" $1700 Chase Sapphire Preferred $5,000

My future card list:
Amex BCE
Citi Hilton Honors
AAOA 1.2years

B335is · ‎07-23-2014

Chase is probably the best of the 3 for auto-CLI, which isn't saying much. Discover takes awhile and Citi usually wants you to ask for CLI.

MT936 · ‎07-23-2014

Congrats on the approvals. Chase and Discover are both good with CLI from what I have read but personally Discover is better with cli in my experience

Amex Blue Cash Everyday: $25,000 | Navy FCU Cash Rewards: $25,000 | Discover It: $20,500
Chase Freedom: $12,500 | Citi Double Cash: $10,000 | Bank of America Cash Rewards: $8,000

dallasjetfan · ‎07-23-2014

I have all three plus AMEX that i have received in last 9 months. I just asked for first CLI with Citi and went from $5K to $6100. Discover had to ask and went from $5500 to $6000. Chase also had to ask and was denied, but called today and they recon'd it from $5K to $10K. Two months from now I will try for 3X with my AMEX. I don't like to wait for CCC's to decide when to give me a CLI. I ask when I want it or need it.

hizzaah · ‎07-23-2014

Went from 500 -> 750 with discover by auto today. My 6th month statement came out this past Monday. I'm anxious to see how Chase works out, but I know they HP when you ask them.

QuickSilver - $20,000 | Amex ED $12,000 | Commence $5,000 | IT $2,200 | Freedom $2,000

Dalanar · ‎07-23-2014

Chase gave me a 50% auto increase (5K to 7.5K) after two or three months (forgot when). I've just gotten the Discover IT also and was told they auto increase after 90 days provided I use the card responsibly.

Experian: 729 Equifax: 740 Transunion: 732
Capital One Mastercard: $0.4K, Capital One Quicksilver: $5K, Chase Southwest Premier: $7.5K, Amex Blue Cash Everyday: $24.9K, Discover It: $9.4K, Chase Sapphire Preferred: $16.9K, Citi Hilton HHonors Reserve: $7.7K, Arrival+ BarclayCard MC WE: $7.5K

Sharingan · ‎07-23-2014

@thelastoneonearth wrote:
I finally have those cards in my wallet. How does the CLI love get spread? Who usually does good with auto CLI'?

In my experience, Citi has been the best with CLIs. They're usually not auto, but anytime I ask after 6 months I always get a SP CLI on my cards. Discover has been the worst for me. I'm not sure if it's because I got my Discover card as a student years back, but it has never received a limit increase and I refuse to take a HP for it. As a result, it sits unused as the lowest limit in my lineup. I wouldn't mind if they closed it down tomorrow.

Techno · ‎07-24-2014

FYI Discover is always a SP before it is a hard pull, while they might be a hard on CLI's its worth a shot, and if u deserve a CLI they will most likely give it to you.

Sharingan · ‎07-24-2014

@Techno wrote:
FYI Discover is always a SP before it is a hard pull, while they might be a hard on CLI's its worth a shot, and if u deserve a CLI they will most likely give it to you.

I always had to call in to request one, and they have always insisted on a hard pull in the 2 years I have had the card. As I said, I'm not sure if it's because it was a student version but I have much better cards, so I don't bother anymore.

MT936 · ‎07-24-2014

you can use the luv button through discover and get offered a soft pull cli or they are also very good with auto cli. they look over your account every 6 months and they usually give auto cli then

Amex Blue Cash Everyday: $25,000 | Navy FCU Cash Rewards: $25,000 | Discover It: $20,500
Chase Freedom: $12,500 | Citi Double Cash: $10,000 | Bank of America Cash Rewards: $8,000