Those having DECLINED a Discover CLI, your advice?

[Anonymous]

So, I did this for the first time tonight after submitting a request online that was approved.  In the past, I've always accepted all Discover CLIs offered.  Tonight's CLI offering was $500, which I decided to decline.  Immediately after declining it, I closed out of my browser and went back in, making another request.  Again, I was offered the $500, which I again declined.  The only reason I went back in was to check and make sure that the $500 was still "on the table" for me and that a clock wasn't reset or something. 

My question goes out to anyone that has declined a Discover CLI, presumably because it wasn't as good as you were hoping for.  If you waited a length of time (be it 1 month, 2 months, 6 months, whatever) and placed another request, at some point did the amount that you declined increase?  I'm wondering if the element of time here can increase the amount being left on the table.  If not, it would make sense I suppose to just accept what is offered to go ahead and reset the clock to look head to a future CLI.  If it is possible for that number to increase however with more time, that's likely what I'll do and then just check back every so often to see if it has gone up. 

Any feedback here from those that have experience with declining a Discover CLI would be greatly appreciated.

[pinkandgrey]

Once they offered me $600. I declined, used the card for a big purchase, and tried again in a few weeks. They offered $2400. YMMV lol. Good luck!

[GApeachy]

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@pinkandgrey wrote:

Once they offered me $600. I declined, used the card for a big purchase, and tried again in a few weeks. They offered $2400. YMMV lol. Good luck!

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Would this also work for a starter card once it has become unsecured?

[Anonymous]

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@pinkandgrey wrote:

Once they offered me $600. I declined, used the card for a big purchase, and tried again in a few weeks. They offered $2400. YMMV lol. Good luck!

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Great data point above.  That's exactly what I was looking for, as that means it's possible for what's on the table to continue to grow.  I suppose I'll let the $500 offer sit and marinate for a while, although I doubt I'll be giving them a big purchase any time soon.  In fact, with them having groceries as their 5% category this quarter they've seen a heavier than usual spend from me.  In 2 weeks when that's over with my spend may drop down to $60/mo for the next 3 months since it will essentially just become a gas card for Q2 and I don't spend much on gas.

If anyone else has feedback similar to what pinkandgrey offered above, please post about it... or, if anyone has experienced the converse where the CLI left on the table did not increase over a length of time that would be nice to hear about as well.

[Anonymous]

I don't think I really have much to add in terms of DP help. As all of my previous CLIs have been above $2K, with only the most recent offer at $700. So I declined, and am currently waiting it out to see what happens at 6mo. 

All the previous CLIs happened with little usage and very low to zero balances. However, this recent lower offer was amid a higher than my normal balances. So maybe I scared them a bit. 

That balance will be payed down about 80% by the 6 Month mark, and I'll see what they say then.

[Anonymous]

Gotcha.  For the sake of the experiment, would you be willing to request another CLI and see if the $700 is still on the table (or possibly increased) since the last time you checked?  You can always click the decline button again regardless of what you see.

pinkandgrey, one more question for you:  When you saw the increased offer from $600 to $2400, do you recall during the few weeks of time that elapsed whether or not it crossed a new statement cut period?

[Anonymous]

I always took what was offered. My inital CL was 10k then I was on the $500 train forever, it seems. After about a year, I had larger increases such as $2500 or more. My CL is now 37k. I believe I have reached my max with them. Good luck!

[pinkandgrey]

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@GApeachy wrote:

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@pinkandgrey wrote:

Once they offered me $600. I declined, used the card for a big purchase, and tried again in a few weeks. They offered $2400. YMMV lol. Good luck!

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Would this also work for a starter card once it has become unsecured?

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I’ve heard of similar situations with secured-to-unsecured cards but as always YMMV 

[Anonymous]

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@Anonymous wrote:

My CL is now 37k. I believe I have reached my max with them.

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What leads you to believe you've reached your max?  How long has it been since your last CLI?  Have you been prompted with IV for a further increase?  It's to my understanding that when one reaches the max with Discover and they attempt another CLI they are presented with an IV request (to continue with the CLI), but we don't hear about this often with people hitting the Discover ceiling.

If you are maxed out, do you believe the constrait for further growth is income-related, or something else like overall limits?

[CreditInspired]

I declined a $700 CLI on 8/18/2018 because it was the lowest CLI I had received since getting my card in Dec 2016. 

On 9/28/2018, I tried again and got

a $3K CLI—my largest. Since it was an instant approval, I tried to DD but Disco wanted to do a HP. No way.

Another DP. On 12/8/2018, I got another instant CLI for $2.2K. 

Yep, I wrote about it in another

post because I was so excited I had declined the $700 and got a 4.25x larger increase a little over a month later.