Discover cli

[Anonymous]

3rd statement just dropped, and requested cli, but they only offered $500, should I take it or leave it. I didnt put any crazy spend on this card. Current CL is $4000. Would I get a lot more if I wait it out?

[Shadowfactor]

With discover

It’s SP CLI’s so you might as well take it since there is no clock and you can ask whenever you want.

[Anonymous]

May as well take it.  Continue to request CLIs monthly after your statement period ends and you see your FICO score update on their site.  Eventually you'll get something > $500.

[CreditInspired]

If it was an instant approval, call and do the double dip. This is when you request a higher CLI with a SP. If they say they will have to do a HP, decline the HP.

[Anonymous]

Discover is my favorite card I love how the CLI are soft inquiries I say take the $500 just keep using your card and try them again later on.
I remember I was home one day bored said what the hell let me try another increase mind you I just did one four weeks earlier bam they gave me $700 increased.
I've had my card for about 18 months started out with a limit of $1400 it's up to $19,000 right now and my fico scores are slightly worse than yours.
I got nothing but love for discover my last CLI was a couple months ago from $14,000 to $19,000.

[masscredit]

I received my Discover card with a $6000 limit in February. Requested a CLI online after 3 months and received $500. Was kind of disappointed by that but I'll take any positive movement. I requested another one 3 months after that.  Another $500. Neither of these was instant. I received a message saying I'd receive an answer in a few days. I think I'm going to start trying every month. From a lot of the posts that I've read, it looks like it can grow to a healthy limit. My goal is $10K+.

[masscredit]

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@CreditInspired wrote:
If it was an instant approval, call and do the double dip. This is when you request a higher CLI with a SP. If they say they will have to do a HP, decline the HP.

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Is it better to call in vs online?

[CreditInspired]

For a double dip, always call in right after the instant approval because you want to ensure it’s a SP.

[Anonymous]

I would accept it and try again in a few months. When I first had my Discover my increases were small but eventually I would get increases in the the thousands. 

[masscredit]

The last time I tried for a Discover CLI was Aug 4th. It wasn't an instant approval. I got the two day message. I was rewarded with a $500 increase. I tried again on Tuesday. That was 7 weeks after the last increase. I logged in a few minutes ago to see that my they have added $2700 to my limit. It's now $9700.   It's growing nicely!