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How long between (successful) DIsco CLI's?

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Super Contributor

How long between (successful) DIsco CLI's?

Any data points on how long must one wait before successful back-to-back soft-pull Disco CLI's?

 

 

Message 1 of 14
13 REPLIES 13
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Moderator

Re: How long between (successful) DIsco CLI's?

At one point, I was getting them every 30-31 days (I think it was 31 days). 

Got some pruning to do... No more new cards!
Message 2 of 14
Regular Contributor

Re: How long between (successful) DIsco CLI's?

Last month Discover increased my CLI three consecutive times for a total of $25,000. I read your post and wandered over to Discover and hit the love button. They gave me an additional $5,000. So now I am at $30,000! My FICO score is between 828-848!

 

Message 3 of 14
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Regular Contributor

Re: How long between (successful) DIsco CLI's?

my crystal ball says 3mo+


Message 4 of 14
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Frequent Contributor

Re: How long between (successful) DIsco CLI's?

 

My Discover Timeline:

Opened on April 25th, 2018 $5000 

Credit Limit Increase on July 9th 2018 +1,500 = $6500

Credit Limit Increase on October 7th 2018 +3,000 = $9500

Credit Limit Increase on November 25th 2018 +200 = $9700

Credit Limit  Increase on November 25th 2018 +50 = $9750 (Double Dip)

Credit Limit  Increase on August 27th 2019 +2950 = $12,700

Credit Limit Increase on October 23rd 2019 +5,500 = $18,200

Credit Limit Increase on October 23rd 2019 +1,000 = $19,200 (Double Dip)




Message 5 of 14
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Contributor

Re: How long between (successful) DIsco CLI's?

I just got a $2,000 CLI about a month ago and tried again after seeing this post but was turned down. Does it make you look desperate to them if you attempt too many CLIs? 



FICO 8 Scores
EX: 760
EQ: 780
TU: 773
Message 6 of 14
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Regular Contributor

Re: How long between (successful) DIsco CLI's?

it sounds like if you opened your card with an established credit history, they'll give you a cli every month. but if you opened the card with a new credit history, then they'll string you along for months and months with no cli.


Message 7 of 14
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Regular Contributor

Re: How long between (successful) DIsco CLI's?

Discover was one of my first credit cards I opened, and they do not like giving me CLIs even though I have bigger limits with other banks. 

In the last year I've only gotten 1 CLI of $300.



                                                  
                                                                                              
Total Credit: $107,000Utilization: 1%AAoA: 2yrs, 4mthsAoOA: 3yrs, 1mthAoYA: 1yrs, 10mthsBaddies: 0

Message 8 of 14
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Valued Contributor

Re: How long between (successful) DIsco CLI's?


@rafy023 wrote:

I just got a $2,000 CLI about a month ago and tried again after seeing this post but was turned down. Does it make you look desperate to them if you attempt too many CLIs? 


I believe it does, somewhat. Someone talked to a DISCOVER CSR about it, and the CSR confirmed that the cardholder hit the luv button so many times, it was on their screen.



Does it paint an opinion on your profile,  it might. They track 'em, so they could use that info for some reason.
Scores, HPs/24 mos. (updated 11/20/20):
    Experian FICO Score 8 = 828, 1/24
    Experian FICO Score 9 = 813, 1/24
   TransUnion = 815, 1/24
    Equifax = 818, 0/24

Total 2019 rewards, incl. offers/deals = $1,709.07
Avg. rewards rate, incl. offers/deals = 3.92%

Total CL: $247,000

Cards (hover over for CL | interest rate | Date Opened):
Message 9 of 14
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Contributor

Re: How long between (successful) DIsco CLI's?

Makes sense. Thanks for the answer!


FICO 8 Scores
EX: 760
EQ: 780
TU: 773
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