How Soon To Ask Discover For a CLI

[tennisfan78]

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@E150GT wrote:

I would just wait. Discover loves to increase my limit every six months. My limit has more than doubled since I got the card in 2011. I never asked for one and I never got another HP.

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what is your starting limit and what is your current limit? Thanks

[Anonymous]

So, Discover is good about giving out CLIs, eh? If your scores are decent and you always PIF, do they typically 2x your CLI every 2 months? If so, that's great news!

[randeman]

My personal experience with Discover is a $500 increase every two months or so.  I have never requested an increase.  I opened with a $4000 limit and it has been raised periodically to $5250 exactly a year later.  I do often carry a balance as that was the other point that the account manager made (other than they HP'd when a cardholder asks for an increase) that they look at your usage and payment record and automatically adjust the CL periodically.

[Anonymous]

So - the acct. mgr. said to keep a balance? I've been PIFing my Discover bills before statement cut. Based on this, I had better start letting the money post first. Very helpful info. that you've shared here. Mucho thanks!!

[jsickz32]

My IT's 6th statement ended yesterday but it hasnt generated a statement yet! I let a small balance report to make sure id get one. Account already shows new payment date. I didnt get a auto cli but im not sure if i should press the luv button or wait for statement to generate.

[ObeyJohnny12]

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@chnceit wrote:

Discover is 6 months and its an auto CLI

If you are not eligible for a CLI and a its initiated from cutstomer then its a HP

If you are eligible for a CLI then the CLI button appears online on your main page. 

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That's odd. I had my Discover card for more than 6 months and i never recieved a CLI despite it shows Request a Credit Limit Increase button on my main page. Everytime i click it, it says

"We're Sorry.

Your credit limit increase request cannot be processed at this time. For assistance, please call Discover"

Guess It will be a hp for me then. 

[jsickz32]

I just tried it too and got the "we're sorry" should i call?

[ObeyJohnny12]

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@jsickz32 wrote:
I just tried it too and got the "we're sorry" should i call?

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You can try and see what they tell you.

I tried calling but it would be a hp according the rep since I'm iniciating it. 

i tried telling her if she could do it via a soft pull but she had no idea what i was talking about. Lol.

[jsickz32]

I dont care about the HP. My statement hasnt generated yet but it should get the email later today. When i get it ill try online again and if i get the "we're sorry" ill call

[Sitori]

So is this done completely randomly? It seems everyones answers are different. is it based on your usage, if you PIF, carry a balance, length the account's been open or what?? lol 

I just got mine in november and put a pretty hefty dent in it over the holidays. I only have a 1700 CL, charged around 1400 and after paying a bit im down to 1000 but will pay it off in the next few weeks.(i hope).  I wonder if  running it up that high and then paying it down so fast will have some sort of affect on it. Some say to always PIF and some say dont. Who knows...its so confusing. Does the overall UTL (on all your CCs) have an impact on your increases? I was thinking about applying for another card, such as walmart, just  because i know they will start me off with a high limit and it'll help my overall UTL since I will barely use it. Is that a good idea if I have a high UTL usage right now?

BTW...Do you just periodically check to see if the CLI increase button is on your main page?  or is it in that drop down menu? If you click on it, do they automatically do  a SP to give you an answer?