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Discover CLI...

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AverageJoesCredit
Legendary Contributor

Re: Discover CLI...

No, Discover isnt Amex with set rules for cli. You can try now ,worse that happens is you get a letter about not enough experience which is just a not at this time letter.
Message 11 of 19
joltdude
Senior Contributor

Re: Discover CLI...

Not enough experince is discovers catch all comment to satisfy credit reporting rules.. Its their No Soup for You just because... excuse... 

 

AJC and I have too much experience with the No Soup for You comment code...

Him more than myself....

 

-J

 

Message 12 of 19
EW800
Valued Contributor

Re: Discover CLI...


@Anonymous wrote:

i just looked.. i had the increase credit option available to me. SP got me 3k. thanks for the intel!


Congratulations!  Nice increase.  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 13 of 19
Anonymous
Not applicable

Re: Discover CLI...

LoL @no soup. Think I'll just wait a couple of months. No reason to press my luck. 😰
Message 14 of 19
joltdude
Senior Contributor

Re: Discover CLI...

Give you a hint on that..

You can try as much as you want.. but if you want to try monthly or even longer (Like the every 3 or 6 month tactic at this point)

Do it AFTER the date they SP your account for the in-account credit score.....

They use that pull in deciding your CLI...

 

-J

 

Message 15 of 19
jenrn123
Valued Member

Re: Discover CLI...

It's a soft pull. I requested an increase last week. Requested again this week at 90 days after my last CLI and received the obligatory $300 increase. I followed up with a called into the 800# and was increased an additional $700. It seems this is fairly par for the course. I was told if I would like to be considered for more than the $700 that it would be a hard pull. YMMV.

Starting Score: EQ - 691; TU - 726; EX - 711
Current Score: EQ - 691; TU - 726; EX - 711
Goal Score: EQ - 780; TU - 780; EX - 780



Mortage Middle Score: Starting - 682; Current - 682; Goal - 740


Take the myFICO Fitness Challenge
Message 16 of 19
AverageJoesCredit
Legendary Contributor

Re: Discover CLI...

Ive never received a double dip nor even an offer to hard pull. Hi! Im the AVERAGE ONE, We at Discover Gym are better than you and WE KNOW IT!Smiley Wink
Message 17 of 19
Anonymous
Not applicable

Re: Discover CLI...

It’s was a TU soft pull for me. My $2500 secured card graduated 10 months ago. I always got denied for CLI because of “ Not enough experience with Credit Limit”. Today I tried for CLI on the mobile app. They approved me for $300. I did not accept the $300 and I called CSR. The lady told me that is the only CLI the system would allow me to get. I asked to be transferred to a credit specialist. He gave me looked over my account and gave me a $1000 increase instead of the $300 increase
Message 18 of 19
Anonymous
Not applicable

Re: Discover CLI...

Odd they hard pulled me. I called angry as crap and they removed and gave me $3000 bump. From my understanding they will increase every 62 days?
Message 19 of 19
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