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What is the longest period of time you've gone without a CLI from Discover?

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Np1791
Frequent Contributor

What is the longest period of time you've gone without a CLI from Discover?

So as the title says what is the longest you've gone without receiving a cli from discover? Does not matter if it's customer initiated or an auto increase. Longest period between increases. I used to be on the three month train but that stopped and tomorrow it will be 6 months since my last increase. No late payments and always pay more than the minimum. What gives? I was hoping on transferring my Amex balance to it since I can get 4.99 for 18 months instead of the 24.24 from American Express. My 0 apr is about to end in april so that is why I want to transfer it now. Wonder if I will be receiving an increase tomorrow or not.

As of 11/28/2018
Message 1 of 17
16 REPLIES 16
Peteyglad
Established Contributor

Re: What is the longest period of time you've gone without a CLI from Discover?

It was 6 months for me. It was also after being on the 90 day cli train. After that 6 month mark I was able to get back on the 90 day train.

Chase Sapphire Preferred 20k | Amex Delta Platinum 20k | Amex Hilton Aspire 20k | US Bank Cash+ 25k | Chase Amazon Prime 25k | Barclaycard Aviator Red 40k | Bank of America Alaska Airlines 42k | Chase Marriott 50k | Discover It 50.3k | Amex EDP 52k | Citi Thank You Premier 56K | Bank of America BBR 57.9k
Message 2 of 17
wasCB14
Super Contributor

Re: What is the longest period of time you've gone without a CLI from Discover?

I might "win" on a technicality, as joint accounts require both holders to call in and give updated info on many financial details.

One CLI since getting the card four years ago. Don't recall exactly when it was, but it has to be at least two years.
Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select
Message 3 of 17
Np1791
Frequent Contributor

Re: What is the longest period of time you've gone without a CLI from Discover?

Interesting, hopefully I that will happen to me as well. I have had the card open for a year and 4 months now. What do you think about me transferring my balace over?

As of 11/28/2018
Message 4 of 17
Np1791
Frequent Contributor

Re: What is the longest period of time you've gone without a CLI from Discover?


@wasCB14wrote:
I might "win" on a technicality, as joint accounts require both holders to call in and give updated info on many financial details.

One CLI since getting the card four years ago. Don't recall exactly when it was, but it has to be at least two years.

Yeah you win by far! lol was it a big increase at least?

As of 11/28/2018
Message 5 of 17
wasCB14
Super Contributor

Re: What is the longest period of time you've gone without a CLI from Discover?

No. $2k to $3k.

It dates back to my thin file days, so the CL is certainly low for me.
Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select
Message 6 of 17
Kree
Established Contributor

Re: What is the longest period of time you've gone without a CLI from Discover?

5 or 6 years. But my uti was like 100+% for a few years straight.

 

As soon as I paid down bellow 48.9% they doubled my limit automatically.

Message 7 of 17
Np1791
Frequent Contributor

Re: What is the longest period of time you've gone without a CLI from Discover?


@Kreewrote:

5 or 6 years. But my uti was like 100+% for a few years straight.

 

As soon as I paid down bellow 48.9% they doubled my limit automatically.


Oh okay, my utilization has been pretty high recently however I got it down to 35% now.

As of 11/28/2018
Message 8 of 17
Schwartzinator
Frequent Contributor

Re: What is the longest period of time you've gone without a CLI from Discover?

I went from 6/16/2017 to 3/3/2018 before getting a CLI. That's about 8 and half months. 


Message 9 of 17
Thomas_Thumb
Senior Contributor

Re: What is the longest period of time you've gone without a CLI from Discover?


@Np1791wrote:

So as the title says what is the longest you've gone without receiving a cli from discover? Does not matter if it's customer initiated or an auto increase. Longest period between increases. I used to be on the three month train but that stopped and tomorrow it will be 6 months since my last increase. 


I went 25 years: 1989 to 2014 Smiley Surprised Then I started asking. Ask and you shall receive - then ask again and receive more. Smiley Very Happy 

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 10 of 17
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