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Have you had a recent Discover CLI?

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RSX
Valued Contributor

Re: Have you had a recent Discover CLI?

$3k up last week - from $17.5->$20.5

Dec 16/2019. EX. 721. EQ. 723. TU 746
Jan 25/2024 EX. 774 EQ. 751 TU 758
Inq. EX 2 EQ 3 TU 6 - - CC 2x24, 0x12
Amex BCP $35k - Apple GS $21k - BMW/Elan $19k - Cap1 QS $16.7k - Chase Amazon $13.6k - Chase Bonvoy Bountiful $10k - Chase United Club Infinite $26k - Citi CustomCash $3k - Citi DC $14.5k - CreditUnion1 $9k - DiscoverIT $31.5k - PayBoo - $15.6k - Penfed Gold - $19.3k - USB AltitudeGO -$19k- USBank Cash+ -$25k - PenFed LOC - $20k - USB LOC - $15k
Message 31 of 47
Anonymous
Not applicable

Re: Have you had a recent Discover CLI?

I requested one via the app this week and got declined. I use it as my primary card (trying to take advantage of the cashback match bonus since I'm in my first year), pay in full*, and still got declined. 🤷🏻‍♀️

 

Hoping they'll give me some love down the line.

 

*EDITED TO CLARIFY: I pay balance down to ~1% by statement close date and pay to $0 before due date. 

Message 32 of 47
JamP
Valued Contributor

Re: Have you had a recent Discover CLI?

My Dw and I have not had any increases in about 5 months. Her new card that was opened in January has a sl of 1k and really hoping to get an increase on that one. I asked a few times to transfer some of the CL from the first card to the second and been denied. Need to have a credit increase available to transfer. We maxed it a few times already being the double cash back after the first year.

I would assume that most are tightening down because they have no idea what is going to happen with the economy in the upcoming future. 

250k+ CL and climbing.
Message 33 of 47
KJinNC
Valued Contributor

Re: Have you had a recent Discover CLI?

I think I am their version of bucketed. Not really bucketed, but on some "list" you don't want to be on. I use the card a fair amount and my history with it is flawless, as is my history with everything on my CRs. I opened it as a $500 secured card last May and bumped it to $1,000 in July. It graduated to $1,500 unsecured in December. All CLI attempts have been rejected. Meanwhile, I have three cards from other issuers at or above $10k and a couple more not far under $10k. Discover is my oldest remaining card and my lowest current CL. In other words, Discover moves in mysterious ways.



FICO Resilience Index: 64. Cards: 5/24, 2/12, 2/6. Accounts including loans: 8/24, 4/12, 3/6. Card CLs total $213,900, or $240,400 including the AU card. Cards (oldest to newest)

Authorized user / Corporate / Auto loans / Personal loan
Message 34 of 47
NRB525
Super Contributor

Re: Have you had a recent Discover CLI?

In 2018 I got 1 $500 CLI.

In 2019 I got 1 $500 CLI.

In fact, 7 CLI of $500 each since 2016, so four years. And starting to get more "no increase". In the past year I've been adding / paying / rolling various small value 4.99% BT offers, so putting a fair amount of interest payments through the card.

 

So was at $17,500 since Feb 2019.

 

Thanks for reminding me. Tried again today, and got a $3,000 CLI to $20,500. 

No COVID issues here.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 35 of 47
Anonymous
Not applicable

Re: Have you had a recent Discover CLI?

I just turned down my first CLI of $300. I hit 90 days on April 11, and my 3rd statement will cut April 24. I'm just going to wait until my 3rd statement cut and see if they offer more. I put about 1k in spend a month on the card and PIF.

Message 36 of 47
Anonymous
Not applicable

Re: Have you had a recent Discover CLI?

I've been trying for a CLI this month, and no love. I started with Discover with a SL of $300 (Secured) about a year and a half ago. Graduated to unsecured $2k around October 2019. Statement doesn't cut until the 25th of this month, so I'll probably wait. Anyone with Disco cards that went from Secure to Unsecure have success getting CLI's post graduation? All I've seen lately is none. If that's the case, I may try for another soon. Looking to get my total CL up. Kinda my ultimate goal, see how high I can go. lol :-)

Message 37 of 47
CYBERSAM
Senior Contributor

Re: Have you had a recent Discover CLI?

Just got a $500 CLI today after long while!

Discover being very stingy past couple of years! But they have reduced my APR couple of times!







                
Message 38 of 47
jgodfrey82
Regular Contributor

Re: Have you had a recent Discover CLI?

Haven't posted in a while but I've been a reader for 10 years now and I opened my discover in 2011 with a $1500 SL, I kept requesting cli throughout the years and especially through their infamous weekly cli allows around 2015 or 16. I still receive them often but am likely topped out. My last was in Feb for another $500 to get to $31.5k. That's while carrying a pretty decent balance too since they constantly offer the promo aprs. Love discover! Keep requesting your increases and don't get discouraged if you're stuck for a while. 

Message 39 of 47
Anonymous
Not applicable

Re: Have you had a recent Discover CLI?

I started w/ a 1k limit in Feb 2019, graduated Sep 2019 w/ a 2k limit, hit the luv button for the first time last month and got a 1k increase.

Message 40 of 47
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