When Can You Request Discover CLI?

[Repairman]

How soon after opening a Discover Card can you ask for a credit limit increase? And how soon after being granted a cli with Discover, can you request another? Also, what is the general auto credit limit increase situation like with Discover?

[myjourney]

Honestly Discover has no set rules 

You can try at any time since it's a SP or they''ll give you a warning of a HP at which time you can cancel 

The general rule is every 3 months YMMV tho

[Anonymous]

I was approved for the Discover IT in February and my first statement cut in March.  I applied for a CL increase and my request was not approved.  I think it is because my account is too new. Based on what I have seen in the forum I need to wait until 90 days to apply.  

[Repairman]

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@myjourney wrote:

Honestly Discover has no set rules 

You can try at any time since it's a SP or they''ll give you a warning of a HP at which time you can cancel 

The general rule is every 3 months YMMV tho

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I was just approved yesterday with a $7500 limit, but would like a larger limit as I'm doing a $7000 blance transfer. Do you think there's any chance of me getting approved for a higher limit immediately? If so, how would you reccommend I request? Online chat? Phone? Or wait until I actually get the card and request online through the love button?

[myjourney]

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@Repairman wrote:

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@myjourney wrote:

Honestly Discover has no set rules 

You can try at any time since it's a SP or they''ll give you a warning of a HP at which time you can cancel 

The general rule is every 3 months YMMV tho

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I was just approved yesterday with a $7500 limit, but would like a larger limit as I'm doing a $7000 blance transfer. Do you think there's any chance of me getting approved for a higher limit immediately? If so, how would you reccommend I request? Online chat? Phone? Or wait until I actually get the card and request online through the love button?

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You can try but Discover likes to start slow and then join in a marathon 

[Anonymous]

A Customer rep recently told me Discover does account reviews for cli twice per year. February and August only. Not sure how true or if anyone has seen that trend.

[SouthJamaica]

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@Repairman wrote:

How soon after opening a Discover Card can you ask for a credit limit increase? And how soon after being granted a cli with Discover, can you request another? Also, what is the general auto credit limit increase situation like with Discover?

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There are no set intervals. But there's never any harm done in pulling the luv button, it's a soft pull and they don't care.

I've received CLI at intervals of 92 days, 20 days, and other intervals in between.

[Anonymous]

Like already posted, I've read that the magic number is 90 days. You can try whenever... I've tried twice, denied both times because my account is too new. 

[Anonymous]

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@Repairman wrote:

How soon after opening a Discover Card can you ask for a credit limit increase? And how soon after being granted a cli with Discover, can you request another? Also, what is the general auto credit limit increase situation like with Discover?

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I received my first CLI (from $1,000 to $4,000) just after my third statement cut (so, around 80+ days of opening the account). My second CLI was 30 days later (after my 4th statement) to $7,000. I tried again after the 5th statement, but it was not approved. Tried again after the 6th, and got the limit increased to $10,000. As others have mentioned: you can try anytime. There is no harm. If they need to do a hard pull, they will ask for your authorization.

Joster

[Anonymous]

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@Anonymous wrote:
A Customer rep recently told me Discover does account reviews for cli twice per year. February and August only. Not sure how true or if anyone has seen that trend.

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I don't believe that is accurate as I received an auto CLI in June of 2015. Maybe the representative was confused.