Info on backdoor CLI please.

[Shellie]

Can anyone give me any info on the process of calling the backdoor number to ask for a CLI?

I'm asking for my brother.  He sits at a 680 (ish) no derogatory marks and two late payments that are 1-2 years old.  He was approved for the Discover IT card yesterday for $1400.  He has a Kay jeweler's card with $7500 CL $0 balance and Victoria Secret card $500 CL $0 balance.  THey have a mortgage and auto loans with perfect records for payments etc. 

Any info is appreciated.

[Anonymous]

It's unclear whose number you are looking for. Check the sticky on backdoor numbers.

[Shellie]

I would like information on the process.  When you call the backdoor number to request a CLI

[Shellie]

bump

[wHiTeSoL]

"Hi my name is ______ and I wanted to get a Credit limit increase on my new _____________ card I was recently approved for. I have been looking to pick up a new _________ and wanted to take advantage of the intro 0% on purchases but my I am worried about my utilization ratio." Something like this would prob work.

[Anonymous]

Shellie,

The reason you aren't getting an answer to your question is that it isn't clear what your question really is.  Who are we talking about here?  What is the situation with them?

Your question seems to imply some universal procedure or number which is obviously not the case.  It would be great however:

"Hello Mr. Universal CLI., Can you raise all my limits and make that a SP while your at it?  You have 1 minute to comply."

[Shellie]

I felt like I gave a decent out line in the beginning.

It's for my bother,

Yesterday he was approved for a DIscover IT card with a $1400 CL

His score is currently sitting at 680(something).  He has no derogatory marks on his reports.  He has a Kay Jeweler's card with a $7500 CL carrying a $0 balance.  Victoria's Secret card $500 CL carrying $0 balance.  No other cards.  He has a mortgage and auto loan both in good standing.  2 lates on now closed cards.  I don't know what other info to share with you.  He does have 17 inquires from the house last year but most if not all are past or passing the 1 year mark.

I just wanted to know what to tell him on requesting the CLI via the backdoor number that people use. 

[parakleet]

I don't think there's much more to say other than that he'll talk to an analyst and ask for a CLI. They may ask him why he needs it and that it may be another HP. He may have to give a reason on why he wants a CLI and whether he's okay with accepting another HP. That's pretty much it.

[Shellie]

Thank you.  I wasn't sure if there was secret phrase to use! haha He probably wont do it if it means an additional HP. 

[Anonymous]

It was unclear which card you wanted the CLI for.  It is still.  When I asked which card, you responded with wanting to know about the procedure which really doesn't help me understand.  In other words, which card is your brother looking for CLI on?

Some potential questions would be:

1) Does Discover recon CLs on new cards?  If not, when is the first time you should request CLI?  Does it help to call backdoor number or "executive office" for either scenarios?  Do backdoor or executive office numbers even exist for Discover?

2) Kay's Card:  What is the CLI policy and procedure with them?  What's a reasonable CLI to ask for?  Do they pull HP or SP for CLI?  Any tricks?

3) Victoria's Secret: What is Commeity Bank's CLI policy?  etc. etc.

Hopefully that helps.