Discover CLI: More likely with high usage or high reporting balance?

[Anonymous]

Thanks for the advice guys. I went to request a CLI and got the message essentially saying it would be an HP. I guess I'll still need to wait...

[Imperfectfuture]

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@Anonymous wrote:
High balance reporting, $0 balance, heavy spend in one month, no spend for a month, doesn't matter in my experience. Increases have been pretty steady. Started at $1500 in October and now $10,000.

TMWC is right You must ask in order to receive. GL

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This.  I get increase with use and 0 use.  Mine tends to be every 90 days, ask for credit limit increase in the account menu.  It does not hurt if you ask every month, again good luck.  (Discover kinda changed how they handled things from a few years ago).

[Imperfectfuture]

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@Anonymous wrote:
Thanks for the advice guys. I went to request a CLI and got the message essentially saying it would be an HP. I guess I'll still need to wait...

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They are not as friendly if they are highest limit, or if you have lower scores.  My personal experience.  You might need an Amex or Chase card.  If get chase card, call in on approval and get cli, it will be hard pull.  Best to do if scores over 725.

[Anonymous]

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@Imperfectfuture wrote:

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@Anonymous wrote:
Thanks for the advice guys. I went to request a CLI and got the message essentially saying it would be an HP. I guess I'll still need to wait...

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They are not as friendly if they are highest limit, or if you have lower scores.  My personal experience.  You might need an Amex or Chase card.  If get chase card, call in on approval and get cli, it will be hard pull.  Best to do if scores over 725.

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Well, according to the score Discover gives me (which I assume they'd also use) I have a 755 score right now. They are my highest limit, and I only have a few years of history and accounts.

My next card will probably be a 2% CB card though. Nothing looks super appealing to me from Chase or Amex right now. I get several mailers from Chase a week for new cards, and some from Amex too (a few a month). I cannot believe how much junk mail Chase sends me!

[SouthJamaica]

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@Anonymous wrote:

So I got several modest increases when I was letting my full balance report on my Discover card. When I moved recently, for example, I was putting quite a bit of money relative to my credit line on the card. I was letting it report (imagine $1200+ on only $1750 of total credit) which dropped my credit score 30-40 points due to utilization.

I'm putting through more money in some cases now, but I'm paying off and letting utlization scores go down. My scores have gone from a low of 710 to a high of 755 in about 6 months just doing this (according to Discover's TU score they provide). However, I also have not got a CLI in a while.

Do I have to let balances report in order to get good auto CLIs from Discover?

I'm always paying in full (not paid 1¢ of interest) and I've not asked Discover for a CLI, all auto.

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There's been a lot of interest in Discover CLI's this past year in these forums; it's been kind of a hobby for many of us. For a while, during the first 5 months of the year, there were observable patterns. Many people even called it a 'gravy train', because Discover was granting 'luv button' CLI's every 16 or 17 days. The 'gravy train' stopped in the beginning of June.

Since then, based on my observations, there's almost no rhyme or reason. Some people with lots of usage got good CLI's; some didn't. Some people with ZERO usage got good CLI's; some didn't.

Based on my observations, the only discernible patterns which MIGHT exist are:

1. You're more likely to get a luv button CLI 91 or more days after your last CLI.

2. If your credit scores are 720 or greater, you're more likely to get a CLI measured in thousands of dollars than in hundreds of dollars.

As to whether you should let your Discover balance report or not, that would not matter in the least to Discover, since Discover knows what your usage is, whether or not it reports.