My 6th statement cut yesterday. Unlike a few members here, my CL wasn't bumped up today, so I decided to call in. I know they pull TU and I only have 2 inqs in the past year on that report. I wanted to get my line up to $5000 from $3000, so I figured I could burn a hard pull. I generally put anywhere between $100 and $1100/month on the card.
It couldn't be approved over the phone with a soft pull I said they could HP me and they forwarded me to a credit analyst. I only got a $500 bump 
She said it was because out of my 6 statements, only 4 months of them had a posted balance. I made charges the other 2 months but paid off before the statement cut. When I brought up that I still made charges on the card, she said they weren't really looking for purchases, they were looking for "balance activity."
Definitely bummed. Hopefully I'll have better luck with a CLI from Amex in July.
Hmmm......
I never leave a balance either.....I dont wanna leave a balance tho.
I never leave a balance either.....I dont wanna leave a balance tho.
@isoldmyatlas wrote:My 6th statement cut yesterday. Unlike a few members here, my CL wasn't bumped up today, so I decided to call in. I know they pull TU and I only have 2 inqs in the past year on that report. I wanted to get my line up to $5000 from $3000, so I figured I could burn a hard pull. I generally put anywhere between $100 and $1100/month on the card.
It couldn't be approved over the phone with a soft pull I said they could HP me and they forwarded me to a credit analyst. I only got a $500 bump
Definitely bummed. Hopefully I'll have better luck with a CLI from Amex in July.
This is definitely an important peice of information. I know you're bummed about the poor increase for an HP, but we have learned a valuable lesson here. Let balances cut, then PIF. Since there's a grace period you don't pay interest. You will take a hit with your scores, but that's just a util-related hit. easily fixed the following month or the month after by not leeting a balance report.
My Discover Card Activity looks something like this over the last 6 months
Balance Reported | Purchases | Payments |
0 | 62.34 | 62.34 |
112 | 1097.30 | 985 |
1578 | 1578 | 112 |
193 | 1094 | 2480 |
53 | 4420 | 4563 |
0 | 1465 | 1554 |
In my opinion, Discover is not one of those lenders who rewards you for really paying before statement cuts. I got an awesome CLI in Feb. from 5k > 13.5k
FICO 8: 
Goal: Gardening!
Goal: Gardening!
@Anonymous wrote:
@isoldmyatlas wrote:My 6th statement cut yesterday. Unlike a few members here, my CL wasn't bumped up today, so I decided to call in. I know they pull TU and I only have 2 inqs in the past year on that report. I wanted to get my line up to $5000 from $3000, so I figured I could burn a hard pull. I generally put anywhere between $100 and $1100/month on the card.
It couldn't be approved over the phone with a soft pull I said they could HP me and they forwarded me to a credit analyst. I only got a $500 bump
Definitely bummed. Hopefully I'll have better luck with a CLI from Amex in July.
This is definitely an important peice of information. I know you're bummed about the poor increase for an HP, but we have learned a valuable lesson here. Let balances cut, then PIF. Since there's a grace period you don't pay interest. You will take a hit with your scores, but that's just a util-related hit. easily fixed the following month or the month after by not leeting a balance report.
Yup, that's exactly why I shared it. Even if I didn't really benefit from this, it can definitely help someone else who's wondering how to get an increase from them!