Requesting Discover CLI with Balance?

[barthooper]

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@takeshi74 wrote:

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@barthooper wrote:

My last increase was about this time in April, a 3k increase, now sitting at 21k. I've got the largest balance i've had yet on Discover right now, statement just cut with ~2500. Wondering if any folks have datapoints about getting increases with a balance, if it seems to impact Discover at all.

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Data points won't mean much if you're only considering balance on the account itself.  Odds are probably better with lower revolving utilization on the one account but that's just one consideration among many in one's credit profile that any creditor will consider for a CLI.  If your profile isn't strong in other areas then you may want to reduce that balance.  If you have a very strong profile then it might not have as much impact.  Worst case you can request another CLI down the road.

2,500 / 21K is 11%.

I got a nearly 5K CLI while carrying a balance about that size on an intro offer with Discover.   Again, though, YMMV depending on the shape of your credit profile.  If you're at 21K I'd guess that you probably have pretty good profile.

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I appreciate your insight. Of course the entire profile must be factored in. My other reported util for cards is roughly 2% so the others are much smaller. I decided to go for it and got another $4k which matches the increase I got early this year after my first three statements, with two $3k increases in the middle as well.

[Luscher]

I had a $500 balance on my card the other day and asked for an increase. Got a soft pull 5K increase!

[Anonymous]

I had a $4100 balance which included a $3500BT and i recived a $3000 SP CLI 60 days after another $3000 SP CLI with $0 balance. AAOA 1.5years TU 748 EX 744 EQ 745  BOA Cash rewards $17000 Freedom unlimited $10,000 Discover $17,000 Citi Simplicity $7800 AMEX ED $10,000 AMEX PRG NPSL AMEX PLAT NPSL $35,000 POT

[Anonymous]

My SO's disco has grown from 4k to 30k in a year, always carrying a balance or BT.

[Anonymous]

The biggest increase I received was $4.5k when I had my highest balance.  It was also my 2ND increase after about 5 mo. after opening my account.  I have had a few $3k increases since with either zero or minimal balance.  I started at $2500 last August and by June I was at 17.5k.  The 90 day increase is very minimal but after that 5 or 6 month mark, big increases are pretty common.  Keep in mind, if you don't like the cli they offer, you can decline it.  They WILL offer again.  I refused the first $500 cli offer.  Three weeks later it was $1500.  Two months after that, they doubled my limit.

[iv]

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@barthooper wrote:

Not necessarily the first CLI, but the largest at one time I've seen Discover give, reported on here I believe, is $6500. Maybe rather than giving you one giant bump early on they decided it was better to do gradual, smaller increases, in some cases as low as $500.

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Biggest I've personally seen was +$7k, last year. (Old account, though.)

[Anonymous]

I recently requested my first CLI (after 91 days) with Discover while carrying a balance and was approved for a 500 CLI. I owed 6k on a 10.5 CL and my TU was at 723. My balance was mostly from BTs so idk if that has a factor vs. regular purchases. 

[Berk]

I requested a CLI about 6 months ago and was given a 6K increase. I then did a 3K BT about 2 weeks later and, along with the BT, came a 5K auto CLI. I have since done two requests and received $500 each.