So, you want a Discover CLI?

[Anonymous]

Hey all. After 6 months of hitting the luv button month after month, and getting the “not at this time,” message I was fed up.

I moved ALL of my business to other accounts. Discover was not used even slightly... which definitely helped.

But within 3 hours of being approved for the AMEX gold card, they sent me an email. Discover raised my limit from $500 to $1100... they got VERY jealous I believe.

It is my belief if you don’t use the card for a solid month and apply for a card that is miles better than the discover, you’ll not only be approved for a CLI, but get sent an email saying they’ve auto CLI’d you.

Best of luck to you all!

[Anonymous]

It’s probably not a very far-fetched idea. Many people on here report SDing the card for months and getting CLIs. 

[Anonymous]

if only it were that simple. i should have a 100k limit by now

[wasCB14]

There may be something to this, that Discover pays close attention to inquiries or CLIs from competitors (for customer loyalty/retention purposes, not just credit risk management).

The only unsolicited extra Discover ever gave me (over five years) was a $5 Starbucks e-gift card the day after I took a HP for a CLI from Chase (and got one). At the time, I had only three cards, so they may have figured there was some chance I could be a regular spender happy to earn 1%.

Of course, it didn't take them long to wise up...

*I'd also note that as a joint account holder, I'm ineligible for auto CLIs, so can't comment on that side of things.

[Jnbmom]

I think we can come up with all types of theories, but DISCO is like cracking the da vinci code

Honestly I have put that card in SD and got zilch, used the card got zilch, so I just paid my balance off and have moved my current monthly charge to another card. This card is gonna be on ice for a long time, let's see what happens down the road LOL

[Anonymous]

I think there's some truth to the "tough love" approach with Discover.  Many people have reported month after month of a solid spend with them and no CLI's at all with frequent requests... then they quit using the card cold turkey and throw it in the SD and within a cycle or two finally see a CLI.  This can happen though without applying for another card.  I think the fact that you acquired another card here was just a coincidence in terms of seeing that auto-CLI come.  IMO, the auto-CLI would have came even without the addition of another card.  I do think that the usage drop though may have stimulated the CLI.

[Anonymous]

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@wasCB14 wrote:

There may be something to this, that Discover pays close attention to inquiries or CLIs from competitors (for customer loyalty/retention purposes, not just credit risk management).

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Kinda feel like they do too.  They were my highest @ $2400 with the next @ $1600.  Then I combined my C1 cards to get $3100 and after that reported, they bumped me to $3600 and haven't gotten anything since with $2-$3000 going through it every month and PIF.  Curious to see what happens now with NFCU reporting @ $15000.  Not expecting them to come close to matching it by any means, just curious if it gets a rise out of them.. 

[AverageJoesCredit]

Ive gone a month now without using my Disco, doesnt help a bit for a cli. My own personal theory is we are all bucketed from day 1 of approval. You get coded with the max youll be able to get and then it just amounts to when youll get those increases. So no matter what you do, some will always get big cli. Others small. Others not so much.

[Remedios]

I'm leaning towards reading horoscope and 🐐 sacrifice next time I ask.

[xaximus]

There are some theories with Disco, but as for me, I've left them alone for about 3-6 months and haven't gotten anything. So its pretty hard to say what works and what doesn't.