Discover CLI?

[OptimalCS]

I get the argument that the card needs to be used more frequently but I think there is a sense of arrogance on Discover's part to believe that I should first use their card more in order to get a higher CLI. I run on average $4k through my Citi card each month bc they wisely gave me a high CLI from $6000 to $20000 in less than a month after opening the card.

I get that every lender is different but why should I budge first!? I'm the consumer. They need me more than I need them.

I set hold that I have really good score if my scores don't qualify as good I might as well give up on this credit monitoring thing.

I like the Discover brand (that's why I applied for the it card) but I personally feel that they are TOO CONSERVATIVE !!!

[Anonymous]

There is an old saying: "... the man who has the gold rules..." So you do not desire to budge and then don't have the CL you desire. Understand your point of view but, I have found few lendors that cared whether I stayed or went as a customer. Moral of the story, do what you have to for a CL you want. Of late, Discover has become more flexible for those with good FICO Scores like yours. May be time to set principle aside and go after your CLI.

[lg8302ch]

I have tried both ways online and phone in the past 3 months. While online you will have to set a figure and cannot let  the computer offer an amount the CSR over the phone has this option. From my attempts and experience I would recommend to do it over the phone.  For me unfortunately the result was the same in July and October - a no go for SP CLI. I will now give up and wait until next year and then do a HP.  Or maybe I will try again once I see an account review on my reports ..Good luck

[Anonymous]

My best experience is using the csr on the phone as they seem to have some control on the SP or HP and may assist with an approvalable dollar amount.

[Gunnar419]

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@DiabolicallyRandom wrote:

Does Discover counter? Or do you need to get your numbers right the first time?

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They counter.

My experience is also what others said, that the luv button is SP and they'll tell you if they need to do an HP,  but I agree the wording is confusing.

[DiabolicallyRandom]

They didnt have a SP increase for me.

I also dont use my discover that often. I put it to some decent use over the summer because of the 5% category, but almost no use since then. I suppose I shouldnt be surprised. While I really like Discovers customer service, the card doesnt fit into my spending as much as I would have thought. Perhaps it will see some good usage in the next few months.

[RnJ]

I'm of the mind I don't think it matters so much how much spending you put through the card for chances of CLI.  It seems it's rather a crap-shoot with Discover for everyone.  Not that I mean that in a bad way, but I don't think anyone will ever *discover* their internal algorithms.

As for the online luv button, if it doesn't approve your cli request, it will either counter or tell you it will require a review (HP), which you can then cancel the request.  Or you can call a CSR and see if they can approve with a SP.  If they can't, they'll tell you it will be a HP in which you can accept or decline.