Discover CLI

[revjamesl]

What's the rule of thumb on how much time one should wait before requesting CLI with Discover? Thanks!

[redpat]

31, 61 and 91 days but it looks like you have enough all ready and open credit, lol!.

[Anonymous]

Everytime I try and am denied, I receive a letter stating that it hasn't been six months, same with Citi and elsewhere.

[Anonymous]

I had been giving it 3-4 months and got instant luv every time, there's another thread here that suggested 31 days, tried it yesterday and got a 2 day notice.

This morning they bumped me another $1,500.  Brings total CL over $11k, I'm so stoked.

[takeshi74]

It's never just about the passage of time.  Creditors may have policies on how often you can request but that and what you qualify for are two entirely different things.

[Anonymous]

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@takeshi74 wrote:

It's never just about the passage of time.  Creditors may have policies on how often you can request but that and what you qualify for are two entirely different things.

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That's exactly what my decline letter from Citi would say. That I've recently had an increase (4 months ago) and that there must be six months between increases. There were no other reasons than that.

[Peteyglad]

For me Discover has been 90 days consistently. Citi has been 180 days. 

[Anonymous]

I appear to be in the $500 club. Every 90 days. Sigh

[UncleB]

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@Anonymous wrote:
I appear to be in the $500 club. Every 90 days. Sigh

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You're not alone... I was also in the $500 every 90 day club for a while.  Then I paid them off (I was carrying a 0% BT) and my very next CLI was $4k, making my total CL $10.5k. 

Oddly enough, that last time I tried a couple of weeks early, and got the 'not enough experience' letter... only to get my largest CLI to date shortly thereafter.

Some folks have luck earlier, but I'm not even going to try again until after 91 days have passed. 

[Anonymous]

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@revjamesl wrote:
What's the rule of thumb on how much time one should wait before requesting CLI with Discover? Thanks!

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I've read people have had luck every 60 or 90 days, but who really knows because every credit profile is different. If you feel your profile supports a CLI, then request it. Best of luck to you!

Sorry, I forgot to say "Welcome to the forum!"