Discover CLI Day

[Itsmeagain]

Today is the 1st anniversary of my Discover card.  I started at $2500, CLI at 6 mo. to $5500.  I just phoned and went through the prompts (didn't speak to CSR), asked for a $4500 CLI.  Counteroffered $4000 - Total now $9,500, my highest CL . . . . Whooo Hooooo!!!! . . .

This will put my total revolving utilization at about 3%.  Hoping for a score increase.  Haven't seen any changes in score for about a month now.

[Anonymous]

Congratulations!

Do I understand it correctly that going through the prompts is just a soft pull? And do you mind asking how you use the card? Do you charge more than their quarterly bonus categories?

[Anonymous]

Congrats. I got my card sometime in June last year, so my 1 year is creeping up.  I wonder if I'll be eligible...I also got a CLI around 6 month mark, so I wasn't going to ask, but I guess I can check in through the automated system.

Congrats again. That's a great CLI - especially for Discover...they can be pretty stingy!

[Itsmeagain]

You are correct that it is only a soft pull.  But, even going through the CSR is only a soft also.  I just wanted to try the automated system.  Maybe I could have gotten more with a real human but I doubt it.  When you ask for a CLI the CSR just plugs in your income and your request and BINGO, the system pops out a number.  Not sure if this is appealable or not.  Actually, I don't mind the 42% increase and think it's fair.

As to the card's use; I average about 1200 - 1800 per mo.  Always PIF before statement cuts so CR always shows zero balance.  I hardly ever exceed the quarterly bonus mamimums.  I use it for everyday items . . . gas, groceries and misc.

[Itsmeagain]

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@Anonymous wrote:

Congrats. I got my card sometime in June last year, so my 1 year is creeping up.  I wonder if I'll be eligible...I also got a CLI around 6 month mark, so I wasn't going to ask, but I guess I can check in through the automated system.

Congrats again. That's a great CLI - especially for Discover...they can be pretty stingy!

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Wait until 6 monthly statements have dropped since your last CLI.  One day less and you'll get an automatic denial.

And . . . Thanks

[Anonymous]

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@Itsmeagain wrote:
As to the card's use; I average about 1200 - 1800 per mo.

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Thanks for the answers. I guess your good use makes a big difference for generous CLI's. I put maybe 10% of that through my Discover, if at all. So I better leave that one alone .

[cobaltnv]

Thanks for the info itsmeagain. I had not asked for a cli from discover for almost 2 years. I went through the automated system as you mentioned (I hate talking to csr about CLI) and was approved for the $2400 I asked for. My limit increased from $9600 to $12k. I probably could have requested more, but I am happy with this. This will help offset some of the recent CLD I have received.

Thanks again for the info. 

[Itsmeagain]

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@cobaltnv wrote:

Thanks for the info itsmeagain. I had not asked for a cli from discover for almost 2 years. I went through the automated system as you mentioned (I hate talking to csr about CLI) and was approved for the $2400 I asked for. My limit increased from $9600 to $12k. I probably could have requested more, but I am happy with this. This will help offset some of the recent CLD I have received.

Thanks again for the info. 

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Congrats colaltnv . . . . happy I could help . . .

[Anonymous]

Congrats on the CLI's everyone! Discover will definitely be on my 2011 app spree.

[Anonymous]

I just received automatic CLI for Discover card, from $9000 to $10800. April was anniversary of my account and also 12 months since my late payment. I currently carry a large balance and haven't shopped using this card for over a year. My credit scores are not stellar, but have been steadily climbing up. They say Discover card is one of the hardest to get approved for, go figure!

I spoke to CSR recently to decrease APR, tough luck. But they did offer promotional APR for new purchases (thanks, but no thanks) and have shown a lot of interest in my business. That earned them some bonus points.