Discover Questions?

[Anonymous]

For CLI's what type of usage do they like? Also who do they SP for the CLI?

I have had the regular rewards card 1 year 4 months 9500.00 CL with about 100.00 a month give or take usage on it as I have better cards. Im thinking of doing a PC to the Rotating Catagories card to get more use out of it.
I have other cards with 15k and 16k limits.

Thanks?

[K-in-Boston]

The only thing predictable about Discover CLIs is that they are unpredictable. Some see CLIs with usage, others see gigantic CLIs with zero usage.

I believe they use the TU FICO 08 score shown in your account at the time of request, but if not I have a mountain of “Not Enough Experience With Current Credit Limit” letters showing a TU 08 score.

[AverageJoesCredit]

Normally people who get big sl like yours tend to see fsster growth than others and usually see bigger cli but you gotta smash the button to find out. Usage can go either way and very much YMMV. I still like to believe using it is better than not becsuse what lender doesnt want their card used.

[M_Smart007]

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@AverageJoesCredit wrote:
Normally people who get big sl like yours tend to see fsster growth than others and usually see bigger cli but you gotta smash the button to find out. Usage can go either way and very much YMMV. I still like to believe using it is better than not becsuse what lender doesnt want their card used.

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I can think of a few .You WON'T use

[AverageJoesCredit]

Touche Smartie Touche

[Anonymous]

My TU FICO8 is at 729 and I have a CH7 that I can EE in December. Maybe I should wait til then? I did try at around 9 months however I don't remember why I was turned down for the CLI?
When I applied they asked some strange questions such as assets and net worth that I have never been asked on a credit app before. It was a Pre Approval and I had Discover IIB 9.6 years ago.

[Remedios]

Those are not strange questions. They are present during the app, and need to be filled in every time you ask for CLI. It's same for everyone
With that said, you're barely using 1% of your SL, so there is very little motivation there for them to give you even more.
Sometimes Disco will grant increase despite lack of use, while quote lack of use as a denial reason for others.
It's a SP so feel free to try.

[Anonymous]

If you’re only 2-1/2 months from EE on a BK7 i would think your chances will go up considerably. Good thing with Disco is you can ask as often as you like...

[Anonymous]

Thanks guys.
No one thinks the intial app questions of net worth and how much savings in the bank are digging deep? I have never been asked these and im not a kid anymore.

[Anonymous]

I don’t particularly think so. It’s a form of due diligence. If they requested access, then that’s a different conversation, but simply asking doesn’t particularly bother me.