I'm coming up on the third statement for my Discover. Which is why I'm looking for input here since the 3rd is the earliest I've read I can get that auto increase with possible DD and I'm not wanting to screw that up. Stars didn't align with my NFCU SL and timing was off on actions that I had to take, which has me in a "dilemma" on how I should proceed.
It had a $1200 SL and since I've had it I've charged a little under $300 the first month, then a around $400 the second month and PIF before statement cuts to show a $0 balance. This month I've charged a little over $500, but also did a BT of $400 (over all use over 2x more than what I've been doing) from a QS1 card I was wanting to 0 out before the AF hit and merge with my QS. I'm also currently carrying a balance on my QS which is about 2.5x higher APR than what I have on the BT offer from Discover. I realize to not PIF the Discover and take advantage of the lower APR from that BT, would probably be finanically smarter. Especially since if I do just pay it off pretty much right after I did it, I in theory threw away the money I spent on the BT fee. And that keeping the balance on it and using that money to pay off a chunk of my QS would end up saving me a few bucks.
Do you guys think that since I have been PIF on the Discover, that leaving a balance (no more than the BT amount) could hurt my chances of getting that auto CLI that I could get in a little over a week? Realize 2-3 months isn't much of a history, but it's still a history. Could they see it as me charging more and not able to handle what I charged, or possible risk since I've been PIF? Or could it actually help leaving that balance and/or taking advantage of a lower APR showing a little bit of smarts if the auto CLI goes through and I try to call in a DD and end up explaining what I did? From what I read they seem to be all over the place on what Discover likes to see.
Like I said, I fully comprehend financially it's more than likely better to keep the BT balance and pay that money towards my QS balance and probably over all better on my profile as a whole. But I'm wanting to focus on trying to best my odds of at least an auto CLI and possible DD, if not a requested one on my Discover. Either way my over all utilization is going to go down a couple % (at 20% now), but would mean the difference between 28% on QS and 0% on the Discover, or 16% on the QS and around 29% on the Discover.
Not necessarily caring short term score changes, except to the degree that may affect the auto/manual CLI I'm hoping to get on it. Hope I made enough sense to get some insightful input. lol 
Actually, auto-CLI's are not that common, especially in just 3 months. If you are that interested in a CLI on your discover if I were you I'd just request one on their site at 90, 120, 150, 180, days etc. A Discover request is a soft-pull and if they don't approve it there is a note that says you are welcome to try again - and you should. My Discover card started at $10k which was my first 5 digit credit line during my rebuild - this card is currently at a $22k CL and a lot of the steps have been $500 CLI's - I also use Discover BT's all the time and even when I carry a high utility on the card it seems to have no effect on the next CLI (admittedly I don't get a CLI every time I ask, nor do I ask every month).
Your card is new so I would not expect or be disappointed in no auto-CLI at 90 days - but then again all you have to do is ask 
I request a CLI from my discover card after every statement cuts and my FICO score updates. I did get a rare auto CLI last month, so when I tried for a CLI, it was of course denied. Only a SP, so I figured why not?
What is your success rate? I've seen posts about requesting monthly. Have not tried it... but I might.
@Adkins wrote:I request a CLI from my discover card after every statement cuts and my FICO score updates. I did get a rare auto CLI last month, so when I tried for a CLI, it was of course denied. Only a SP, so I figured why not?
@Anonymous wrote:What is your success rate? I've seen posts about requesting monthly. Have not tried it... but I might.
@Adkins wrote:I request a CLI from my discover card after every statement cuts and my FICO score updates. I did get a rare auto CLI last month, so when I tried for a CLI, it was of course denied. Only a SP, so I figured why not?
So far, 0% because I got the auto CLI a few days before my statement cut. Reading through the forums here, it seems to be every 3-6 months on average for a CLI. There are some outliers though.
I had a BT at the 3 month mark on mine and they more than doubled my credit line when I asked for a CLI. It's grown much slower since then, but Discover is a tricky lender to figure out with CLIs. What works for one person doesn't necessarily work for others. The only thing you can really do is ask every 1-3 months. My advice would be to do whatever is best financially, so if you can save money on interest do it.
Things that normally result in CLIs for people here: using the card a LOT, using the card sparingly, never using the card, carrying a BT, not carrying a BT, paying off a BT in the statement period prior to asking (this one has resulted in the biggest CLIs for my wife), paying the statement balance in full each month, paying less than the statement balance but at least the minimum payment each month, paying off the balance prior to the statement closing date so that a $0 balance is reported, paying off some/most of the balance before the statement closes, just letting the balance ride and paying once a month prior to the due date. Do one or more of those, and you could see a CLI soon - but usually you need to ask (often).
@K-in-Boston wrote:I had a BT at the 3 month mark on mine and they more than doubled my credit line when I asked for a CLI. It's grown much slower since then, but Discover is a tricky lender to figure out with CLIs. What works for one person doesn't necessarily work for others. The only thing you can really do is ask every 1-3 months. My advice would be to do whatever is best financially, so if you can save money on interest do it.
Things that normally result in CLIs for people here: using the card a LOT, using the card sparingly, never using the card, carrying a BT, not carrying a BT, paying off a BT in the statement period prior to asking (this one has resulted in the biggest CLIs for my wife), paying the statement balance in full each month, paying less than the statement balance but at least the minimum payment each month, paying off the balance prior to the statement closing date so that a $0 balance is reported, paying off some/most of the balance before the statement closes, just letting the balance ride and paying once a month prior to the due date. Do one or more of those, and you could see a CLI soon - but usually you need to ask (often).
Guess I could have been a little more clear with my last inquiry, my bad. I wasn't trying to continue/push down the path I originally was. Seemed general consensus I gathered was that it was more/less a lost cause and not to hope for it as much as I was. Pretty much gathered all that information already. Pretty much many threads/posts, summed up in tidy little post there.
So I had moved on from shooting from the stars and hoping for an auto CLI and what not and was more or less asking from the over all POV. Which is where I was coming from, that keeping the majority of the balance on it, with intentions of just chipping enough of it away to put it <29% instead of over and paying off the higher APR as the best move to save the few bucks. Or would it still be better to just 0 it out?
Text can be tricky, so just want to make sure I'm not being misinterpreted. I'm not being snippy/wise/whatever. Appreciate the input and advice, so just want to make sure it's not being taken as such.