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Question about Discover CLI

New Member

Question about Discover CLI

Hi.  I have been rebuilding my credit all year; I find it a fine line between app'ing and gardening.  I just paid my third payment to Discover.  I have been using the card for everything--food, gas, bills.  My first payment was $100, then $300, and now I just PIF (current CL is 1800).  I am thinking/hoping that w/my usage and now PIF that I can do a CLI (if no auto CLI) when my statement cuts next week.  Just wondering if anyone else has PIF in the hopes of a CLI (and, again, this will be my 4th month w/them; my scores are all approx. 720 and my usage overall is about 40%).  Thanks.

Message 1 of 9
Moderator Emeritus

Re: Question about Discover CLI

HI NewbieDerrick,


Glad you're on the forums!


Wen you say your usage overall is about 40%, do you mean your overall utilization is 40%?  (That means the reported balance on all your revolving accounts equals 40%) or do you mean that you use about 40% of your credit limit each month?


What other cards do you have open?  How old are they?

Just puttin' syrup on something, don't make it pancakes.
Message 2 of 9
New Member

Re: Question about Discover CLI

Hi....thanks for the reply.  I meant my total usage is at 40% (not just per month).  I actually was declined a Barclay's card last December b/c "too new credit/no revolving credit accounts."  In January, I received a mail offer for 1st Premier Bank (I know how bad the terms were but got a decent opening CL of $700).  I figured I'd use that card for a year and just hope that would build my credit profile up.  However, in May I received a Citi offer (and was excited!); I app'd & was approved for $4000!!! In June, I recieved a Discover offer; again, app'd and approved for $1800. 

Message 3 of 9
Mega Contributor

Re: Question about Discover CLI

I just got a Discover last week the CSR told me to wait six months before asking for a CLI.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 4 of 9
Frequent Contributor

Re: Question about Discover CLI

They tell everyone to wait 6 month's but if I had to do it again, when they offered $3K when I opend the account, I would have said $8K and we would have started the negotiation!


Like so many, I was happy after 20 years trying to finally get a Discover that I said, what the hell, ok I will take $3K.  Big mistake.


I tried to get a CLI after 6 month's and pushing about $5,800 (0 owed to Discover and 1% outstanding everywhere else) so I thought it would be a good time to try.


They held by past baddies against me and said no dice.  Good thing they only used a soft inquiry but the most important thing was in the denial letter, they told me the date of the soft inquiry and it was a soft to my TU 3 week before I asked for the CLI so they used old data.


Next time . . . .

Message 5 of 9

Re: Question about Discover CLI

CSR also told me to wait 6 months. I should have waited for a higher CL before accepting a discover card. I'm betting I wolnt get CLI at 6 months. If I don't, the discover is going in the sock drawer.
09/2011- EQ 736 / EX 744 / TU 751
Chase Amazon Visa $2000(3% Amazon)
U.S. Bank REI Visa Platinum $3000(5% REI)
PenFed Visa Platinum Cash $5000(5% gas)
Discover More $1000
Message 6 of 9
Frequent Contributor

Re: Question about Discover CLI

I got my Discover More in May 2010 with s $2000 CL. I did a CLI this April which resulted in a hard pull and all I got out of it was a measly extra $500.

Starting Score: 690
Current Score: EQ 780 EX 814 TU 783
Goal Score: 800

Take the FICO Fitness Challenge
Message 7 of 9
Established Member

Re: Question about Discover CLI

I was AU on a card that I used/paid myself.  DH never used it even though it was his. He has excellent credit. They started him at $1500 (which made him mad and therefore he refused to use it).  Anyway, I didn't use it heavily, but it did get usage.  I also didn't PIF every month, I would leave a hundred or so balance reporting, but would always pay big amounts (i.e. 400 or 500 at a time, depending on what I had on there).  That card would get an auto increase of $400 like clockwork every three months, starting on the third month.   IIRC, about a week or so after the third statement cuts, there would be an email telling us of the increase.  In a year, it went from 1500 to 3100.


Then the stupid CSR messed it up for me!  Smiley Sad  DH finally got ticked off with the CSR and closed it after a year. 


Good thing is that because of that, I cleaned up my credit and just recently got approved for a More card and was started at $1000, so I'm wondering if it will be the same for mine. 


Does anyone know if, when you're approved but you have something negative still showing, if that will put you into a type of category that doesn't get CLIs automatically or as easily as someone who has a clean record?  Or is it just the luck of the draw for people?



Message 8 of 9
Valued Contributor

Re: Question about Discover CLI

Discover pulls TU cr for cli's if you have any derogs at all very HARD to get a cli.  You will not get a cli with a soft pull, and if you do it will be a hard pull, this is what happened to me, the rep even told me until the derog that I have falls off my cr it will always be a hard pull and I feel a struggle as well for a cli.

Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Message 9 of 9
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