Pay statement balance before CLI?

[Danny_Lab]

Hey everybody, just a brief question. Had my discover chrome card for years, one of my first ones in college. 

I have not used the card much in the past which has led to less cli than other cards. But would like to request one and get the card near the $10k mark. 

current I have a 0% apr and have a $5k balance out of my $6k.

Is it a general good rule to pay statement balance before requesting or has anyone received a cli without doing so ?

[JoeRockhead]

Just my opinion, but I wouldn't feel real confident in having any success getting a CLI from Discover while carrying 80%+ utilization. But, if the rest of your accounts have low, to no reported usage and you have really good, to excellent  scores, then maybe there's a chance. I would think your chances are greater however, if you pay that balance down, way down. 

[pizzadude]

Moving to credit cards

[4sallypat]

For a no harm, no HP CLI, I'd give it a spin for free....

Discover for over 8 years and it's the second slowest to grow card.

Cap 1 CLI is the no CLI / dead card in my drawer.

[Thomas_Thumb]

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@Danny_Lab wrote:

Hey everybody, just a brief question. Had my discover chrome card for years, one of my first ones in college. 

I have not used the card much in the past which has led to less cli than other cards. But would like to request one and get the card near the $10k mark. 

current I have a 0% apr and have a $5k balance out of my $6k.

Is it a general good rule to pay statement balance before requesting or has anyone received a cli without doing so ?

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No need to pay the statement balance in full. However, your odds of a decent CLI will improve if you paydown the card below 49% UT - imo.

You can request a soft pull CLI on-line with Discover. When I requested them, there was no field to enter a specific amount. The system just responded with a CLI offer of x dollars. Then, if someone wanted more than offered, a desired amount could be submitted. However,  it would trigger a hard pull.

I only did SP CLI requests and waited 6 months between submissions. If you choose to try a SP CLI, let us know what happens.

[Danny_Lab]

Thank you I agree, only card I have revolving right now out of total limits of about 120k. But I do usually request on low utilization. 

wanted to collect opinions tho because I do have 0 apr promo so don't want to pay yet. It's chillin in the Hysa for the interest gain lol 

[Danny_Lab]

Thanks! Appreciate the info 

yeah discover is definitely one of my slower building accounts and I feel they are more usage based. Also like the other member mentioned cap1 is the worst for me never growing lol 

[Danny_Lab]

Aye, gave it a shot just now they approved an additional $3k to from $6200 to $9200 

So seems that in this case worked out 

appreciate the input from all of you!

[pakratus]

I spent a lot of time requesting after statement close and after I paid in full with no luck.  But lately, I've requested a week or so before statement close WITH a balance and received +$3000 twice.  My working hypothesis is that Discover likes a balance when you request.

These were not back to back.  First with a couple months reporting a balance, requested increase with current balance (+$3k), then let another statement close with a balance, then requested with a current balance about a week before statement close.  (hope that makes sense)

This year, after 4 years with the card, I more than doubled my limit.  4500->6500->9500->12500

[Danny_Lab]

Super helpful, thank you! I will keep in mind as I try to grow this card further