Discover ignorning my CLI request?? 0_o

[AAstra]

I would just reach out to a CSR. I've never had a problem like this but a CSR did walk me through a CLI scenario where I could have one amount on SP or name my amount with a HP. They should be able to help.

[Anonymous]

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@cjesser15 wrote:
Sorry to add confusion but I requested a CLI about a week ago and I got my approval 2 days ago...by email. So based on the previous responses their method of notification must vary?

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When I requested a CLI in February, they did send me an approval email. So they definitely send out emails upon approval, but I guess there's no email when its a denial according to the others that have posted.

[Anonymous]

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@Anonymous wrote:
I opened my Discover September and have never had a cli from them. All my other cards are growing besides Discover.

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That insteresting. Have you requested an increase from them or are you referring to auto cli? I've never recieved an auto cli from them either.

[Anonymous]

If the limit is sufficient then why are you so worried about this? It's just a credit card. It's no more useful at $20k or $3,500. If it's sufficient just enjoy it and quit worrying about such trivial things.

[Anonymous]

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@Anonymous wrote:
If the limit is sufficient then why are you so worried about this? It's just a credit card. It's no more useful at $20k or $3,500. If it's sufficient just enjoy it and quit worrying about such trivial things.

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Good grief dude. I was simply asking if anyone has experienced lack of communication with Discover. If you haven’t, that’s fine. No need to respond. Since I’m fairly new to credit I don’t know all things, but from my understanding, its better to have a higher limit for utilization purposes. If my limit is $500 and I put $500 on my card, its maxed out. If my limit is $20k and I put $500 on my card, that’s only 3% utilized. Although my current limits are sufficient, I might want to make a huge purchase in the future and would like to have a limit to support that. Thanks though.

[Anonymous]

When i hit it too early ...b4 my 31 days or 60 day whatever cycle they like me on ... if i dont get an increase in about 3 business days, no email then it's denial .... if I get approved its updated on the site first then email comes a day or so later ... already tried 5 days ago, no update on website so I kno its a denial waitin in snail mail .. I also know my 31 days isnt up until June 9th, jus got trigger happy and was seeing if i was lucky on a few days before my clock ....

[Anonymous]

I opened mine in feb 2016, 5900 limit, and yesterday they bumped it up to 7400. Score went from opening 699 to 724 as of yesterday. Chase also gave me an auto cli on freedom that was opened in jan 2016 2200, now its 3200. They both raised it 2 days after my statement closed. Both have balances, 0% APR, never paid in full yet, but paid more than 90% of balance every month. Discover AVG balance was 1200, chase AVG balance was 300, this is what usually reported.

[takeshi74]

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@Anonymous wrote:

On both attempts, I received the 2 day review message, but I haven't received an incease nor have I received an email of some sort giving me the option to do a hard pull or a flat out denial. Nothing. Am I doing something wrong? Has anyone else experieced this?

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Follow up with Discover.  We have no idea what's going on with your situation.

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@js0319 wrote:

With usage it will grow. 

Do not rely on the usage meme for any creditor.  It is never just about usage alone or even just the one account itself -- one's entire credit profile matters.  Even without usage it can grow.  Limits and CLI's are priamrily determined based on credit profile and income.  I haven't used my Discover much recently and it has had several large CLI's.

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@Anonymous wrote:

Since I’m fairly new to credit I don’t know all things, but from my understanding, its better to have a higher limit for utilization purposes. If my limit is $500 and I put $500 on my card, its maxed out. If my limit is $20k and I put $500 on my card, that’s only 3% utilized.

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Revolving utilization isn't just limit(s). It's balance(s) / limit(s). There are certainly many possible reasons why one might want a CLI including revolving utilization but you can also pay down balances prior to their report dates to manage reported revolving utilization.