Discover CLI question

[JKSIMMONS]

I'm currently chatting with a rep on the site. Specified I don't want a HP, he said he would let me know if they had to HP and I could deny it. Decision went to an analyst so I have to call. He said they would give me the option over the phone and that they will never call customers when this type of CLI is requested, I have to call. No big deal.

[MidnightJester]

Not sure what this will tell people about Discover and CLI... First card reporting on File. Opened 2/13 $700limit, SP to $3500 8/13,  SP to $7500 3/14 (I asked for 10,000) they countered $7500 or a HP if I wanted the 10,000. still only 1 credit pull on file.

These were all call into number on back of Discover card and ask the first rep that answers.

[mongstradamus]

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@MidnightJester wrote:

Not sure what this will tell people about Discover and CLI... First card reporting on File. Opened 2/13 $700limit, SP to $3500 8/13,  SP to $7500 3/14 (I asked for 10,000) they countered $7500 or a HP if I wanted the 10,000. still only 1 credit pull on file.

These were all call into number on back of Discover card and ask the first rep that answers.

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I have tried few times via phone for sp cli.have yet to be successful.every time I talked to CSR they needed an HP.I will keep trying every few months I guess. Opened my card 9/2013

[JKSIMMONS]

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@hwturner17 wrote:

I'm currently chatting with a rep on the site. Specified I don't want a HP, he said he would let me know if they had to HP and I could deny it. Decision went to an analyst so I have to call. He said they would give me the option over the phone and that they will never call customers when this type of CLI is requested, I have to call. No big deal.

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Just a follow up. Called the hotline, expressed my desire to stay hard pull free. They were great about it. Took maybe three minutes and the rep came back with a $4,500 limit which was increased from a $3,400 limit. Just an FYI, my balance on the card was $3,316. My overall utilization is around 65%. 2 year AAoA after app spree 7 months ago. I told them I wanted the highest limit possible but didn't specify the amount. He said that would give me the best chance at avoiding a HP. They asked me some general income questions etc and gave me my new limit. Not bad for 5-10 minutes of mindless work. 

[nitrov]

I tried the luv button and got this message:

We're Sorry.

Your credit limit increase request cannot be processed at this time. For assistance, please call 1-800-DISCOVER (1-800-347-2683).

I didn't enter a speck of information, just clicked the button and that's what I got. I've had this card for about 9 months, got a $1500 CL initially, and got one auto-CLI about 1 month or 2 ago up to $2000. This is my lowest CL right now, so is my best bet to get a SP CLI to call them?

[nitrov]

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@nitrov wrote:

I tried the luv button and got this message:

We're Sorry.

Your credit limit increase request cannot be processed at this time. For assistance, please call 1-800-DISCOVER (1-800-347-2683).

I didn't enter a speck of information, just clicked the button and that's what I got. I've had this card for about 9 months, got a $1500 CL initially, and got one auto-CLI about 1 month or 2 ago up to $2000. This is my lowest CL right now, so is my best bet to get a SP CLI to call them?

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I called and they said since I just got the auto-CLI in July, I had to wait 90 days (October) to request one -__-

Not sure if I'm going to keep this card past the end of the year if I don't have a lot of luck on a CLI with them. Doesn't seem like they're the greatest when it comes to CLIs or big CLs in general. I don't know if it's worth watering down my AAoA for a measly CL.

[aubie1kenobie2]

They are pretty tough to get for me too! So far, my $750 CL went up to $1000 (auto luv) after 9 months Discover does not like me although I'm glad they gave me a card back when I had a really thin credit file.

[mongstradamus]

If you got your card when you credit wasn't optimal it will be a while before discover will give you a huge CLI or CLI at all. It's up to you if you don't have patience to wait for sp CLI or not. There are definitely other cards out there

[nitrov]

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@mongstradamus wrote:

If you got your card when you credit wasn't optimal it will be a while before discover will give you a huge CLI or CLI at all. It's up to you if you don't have patience to wait for sp CLI or not. There are definitely other cards out there

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Yes, that there are! I might give this one the axe by the end of the year if they don't bump me up to $5k at least.

[mongstradamus]

For me discover serves its purpose, the biggest thing I like about discover is shopdiscover they have some really good deals on cash back if you shop online, I can live with slightly lower cl