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How soon to CLI Discover?

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AvadaKedavra
Established Contributor

How soon to CLI Discover?

I just got approved for a Discover card with a low $2,500 limit. The card is on it's way but I've been reading lots about everyone getting SP CLIs. How soon should I wait before I attempt a CLI after I set up my account?

Message 1 of 10
9 REPLIES 9
Luscher
Valued Contributor

Re: How soon to CLI Discover?

3 months
CHASE FREEDOM | AMEX BCE | | BOFA REWARDS | CITI TYP | Quicksilver | DISCOVER IT | Sallie Mae | CHASE CSP
--------$32,000-------------$30,000-----------$30,000-----------$30,000-----$13,000---------$18,200----------$15,000---------$6,500----

FICO - TU: 780 EX: 784 EQ: 781
Message 2 of 10
AvadaKedavra
Established Contributor

Re: How soon to CLI Discover?

Can I recon the credit limit you think?

Message 3 of 10
kdm31091
Super Contributor

Re: How soon to CLI Discover?


@AvadaKedavra wrote:

Can I recon the credit limit you think?


With no prior history with them it's unlikely to give you much success right now.

 

The good news is that Discover is great with growth over time. 3-6 months of good usage and payments and more than likely you can easily grow the limit with SPs. Be patient.

Message 4 of 10
Luscher
Valued Contributor

Re: How soon to CLI Discover?

wait 3 months, go online and hit the CLI button, thats pretty much all you can get honestly. Ive tried recon before and they were not having it lol
CHASE FREEDOM | AMEX BCE | | BOFA REWARDS | CITI TYP | Quicksilver | DISCOVER IT | Sallie Mae | CHASE CSP
--------$32,000-------------$30,000-----------$30,000-----------$30,000-----$13,000---------$18,200----------$15,000---------$6,500----

FICO - TU: 780 EX: 784 EQ: 781
Message 5 of 10
Anonymous
Not applicable

Re: How soon to CLI Discover?


@AvadaKedavra wrote:

Can I recon the credit limit you think?


I wasn't successful. I'll just wait my 3 months and join the 16-days train, if still accepting guests.

Message 6 of 10
kdm31091
Super Contributor

Re: How soon to CLI Discover?


@Anonymous wrote:

@AvadaKedavra wrote:

Can I recon the credit limit you think?


I wasn't successful. I'll just wait my 3 months and join the 16-days train, if still accepting guests.


Be careful assuming things about the "16 days train". All it means is CLIs are possible more often now. In no way shape or form does it mean you'll get a CLI every 16 days like clockwork, especially on a new account.

Message 7 of 10
itguy_65
Frequent Contributor

Re: How soon to CLI Discover?

I've been successful requesting a CLI after every 4th statement cuts.  Recently (last 3 months), I've requested a CLI after each statement cut, and received a $1K increase each time.

EQ (3/24/17): 820 TU (3/24/17): 799 EX (3/24/17): 806
Message 8 of 10
Kb109
Frequent Contributor

Re: How soon to CLI Discover?

Don't try to recon. Wait 3 months and request a CLI. Discover also will grow with you if you use their card a lot and always pay on time.

Filed Ch7: 6/21/17
Discharged: 10/03/17
Current FICO8 Scores as of 2/10/2019: EX 651, TU 678, EQ 679
My Cards: 1FBUSA $2,900 (survived BK7 and is my oldest account!), Fingerhut $1,100, CreditOne $900, Ollo Rewards $2,500, LendUp Arrow card $2,000, CapitalOne Platinum $3,000. GARDENING FOR THE NEXT TWO YEARS!
Message 9 of 10
AvadaKedavra
Established Contributor

Re: How soon to CLI Discover?

Thanks for the advice all!

Message 10 of 10
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