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Discover Auto-CLI: How does it work?

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BungalowMo
Senior Contributor

Re: Discover Auto-CLI: How does it work?

I got my IT card in April 2013.  Got auto CLI approx every quarter.

 

Started at $3500 & by my Apr-May statement last month, I was at $5500.  I'll just let them keep doing their thing & steer clear of the luv button....Heart

BK 7 discharge 06.24.2020 No Fico score at all. Smiley Sad
Message 11 of 36
mongstradamus
Super Contributor

Re: Discover Auto-CLI: How does it work?


@lanakane wrote:

@mongstradamus wrote:

 

i am having love hate with my IT recently pertaining to sp cli lol. I should just stay out off approval forums, because when i read that people are getting sp cli every three months with scores in the sub700 range, it gets me pretty annoyed when i can't get one sp cli in 10+ months. I was going to try and decide by end of the year what i want to do with my discover if i don't get any kind of sp cli. 


Have you tried reaching out to the executive office?  It worked for me with Cap One, and I helped my mom resolve a security issue with her Discover that way recently.  Send them a Facebook message and the EO will reply pretty quickly.


I am just going to use it and re assess it at end of the year , just find it annoying that everybody else is getting CLI so easily, and I can't with decent credit scores 



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 12 of 36
Kenny
Moderator Emeritus

Re: Discover Auto-CLI: How does it work?


@mongstradamus wrote:

@lanakane wrote:

@mongstradamus wrote:

 

i am having love hate with my IT recently pertaining to sp cli lol. I should just stay out off approval forums, because when i read that people are getting sp cli every three months with scores in the sub700 range, it gets me pretty annoyed when i can't get one sp cli in 10+ months. I was going to try and decide by end of the year what i want to do with my discover if i don't get any kind of sp cli. 


Have you tried reaching out to the executive office?  It worked for me with Cap One, and I helped my mom resolve a security issue with her Discover that way recently.  Send them a Facebook message and the EO will reply pretty quickly.


I am just going to use it and re assess it at end of the year , just find it annoying that everybody else is getting CLI so easily, and I can't with decent credit scores 


@Anonymous @ your "decent" scores. You've had it for over 10 months, is that correct? If so -- at least wait until 1 year and then try every 3 months -- I'm sure you're going to have some success -- even with your "decent" scores. Smiley Wink I'm assuming you're using it a good bit?

Message 13 of 36
mongstradamus
Super Contributor

Re: Discover Auto-CLI: How does it work?


@KennyRS wrote:

@mongstradamus wrote:

@lanakane wrote:

@mongstradamus wrote:

 

i am having love hate with my IT recently pertaining to sp cli lol. I should just stay out off approval forums, because when i read that people are getting sp cli every three months with scores in the sub700 range, it gets me pretty annoyed when i can't get one sp cli in 10+ months. I was going to try and decide by end of the year what i want to do with my discover if i don't get any kind of sp cli. 


Have you tried reaching out to the executive office?  It worked for me with Cap One, and I helped my mom resolve a security issue with her Discover that way recently.  Send them a Facebook message and the EO will reply pretty quickly.


I am just going to use it and re assess it at end of the year , just find it annoying that everybody else is getting CLI so easily, and I can't with decent credit scores 


@Anonymous @ your "decent" scores. You've had it for over 10 months, is that correct? If so -- at least wait until 1 year and then try every 3 months -- I'm sure you're going to have some success -- even with your "decent" scores. Smiley Wink I'm assuming you're using it a good bit?


I put in 60% utilization last month since I already hit my min spend on csp so I thought why not. I will probably split non category spending between it and freedom. Well actually not this quarter since going to use freedom for gas so I can get more ur points 



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 14 of 36
EW800
Valued Contributor

Re: Discover Auto-CLI: How does it work?


@mongstradamus wrote:

I am just going to use it and re assess it at end of the year , just find it annoying that everybody else is getting CLI so easily, and I can't with decent credit scores 


Your scores are much better than "decent" from where I am sitting!  Smiley Happy

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Sept 2024: EX8: 847; EQ8: 850; TU8: 848 -- Middle Mortgage Score: 821
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
Message 15 of 36
Kenny
Moderator Emeritus

Re: Discover Auto-CLI: How does it work?


@EW800 wrote:

@mongstradamus wrote:

I am just going to use it and re assess it at end of the year , just find it annoying that everybody else is getting CLI so easily, and I can't with decent credit scores 


Your scores are much better than "decent" from where I am sitting!  Smiley Happy


Of course they are! lol That's the hilarity of it. mongstradamus is very self-deprecating. Smiley Happy

Message 16 of 36
Stralem
Established Contributor

Re: Discover Auto-CLI: How does it work?

If Discover even has a discernable pattern in deciding who gets the auto love, they are sure as sh*t making it hard to figure out.

 

It took two HP requests to bump my $1200 IT card to $5000.

 

I'm content with that to be honest, but an auto CLI would be a nice change of pace.

I Have Way Too Many of These.

American Express - No CLI or Appreciation Gift in 7 Years

Citibank - Handing Out Credit Limits Like Candy

Chase - Surprisingly, Still Tolerating My Credit-Chasing Ways

Bank of America - My Newest Bae.

Everyone Else.
Message 17 of 36
codehavoc
Regular Contributor

Re: Discover Auto-CLI: How does it work?

today is my 3rd month so hopefully i can hit the love button tomorrow, i was trying to increase it today but i guess the option waas not available, anyway my limit is 1700 how much should i ask for when i request the CLI?




Starting Score: Equifax 582 Experian 610 Transunion 620
Current Score: Equifax 693 Experian 751 Transunion 739
Goal Score: Equifax 730 Experian 750 Transunion 750


Take the myFICO Fitness Challenge



Message 18 of 36
keithB
Established Contributor

Re: Discover Auto-CLI: How does it work?

Let me know how it goes, I hit the 3rd month on the 25th!


@codehavoc wrote:

today is my 3rd month so hopefully i can hit the love button tomorrow, i was trying to increase it today but i guess the option waas not available, anyway my limit is 1700 how much should i ask for when i request the CLI?




Message 19 of 36
mongstradamus
Super Contributor

Re: Discover Auto-CLI: How does it work?


@KennyRS wrote:

@EW800 wrote:

@mongstradamus wrote:

I am just going to use it and re assess it at end of the year , just find it annoying that everybody else is getting CLI so easily, and I can't with decent credit scores 


Your scores are much better than "decent" from where I am sitting!  Smiley Happy


Of course they are! lol That's the hilarity of it. mongstradamus is very self-deprecating. Smiley Happy


Lol I don't feel right boasting I have great scores but still is frustrating when people with scores 100 points or so lower than me get sp CLI every quarter 



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 20 of 36
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