Re: When Should I ask for a CLI with Discover IT

newdaddy113 · ‎03-12-2014

I got my Discover IT card in december of last year i have charged about 2k on it with a 4k limit and now it has a zero balance. My 3rd statement cuts on the 19th. When should I request a CLI and does anyone know if it will be a HP or SP? Thanks

Amex Green Card (NPSL) 03/13 - BOA ($7200) 03/13 - WELLS FARGO ($500) 03/13 - DISCOVER IT ($5800) 12/13 Amex delta gold ($18,400) 1/1/14. Amex Gold Business Card (NPSL) 1/2/14. Chase Freedom($7900) 1/9/14 NavyFederal ($25000) 1/16/14 Best Buy ($1000) 8/4/14 Barclays Arrival Plus($12500) 1/29/16 Chase CSP($20000) 1/29/16 Penfed Platinum Rewards ($16000) 1/29/16 NavyFed goRewards ($5000) 1/29/16.
Credit Score EX- 760 EQ- 735 TU- 763 Oldest account 3.2yrs aaoa 2.2 yrs.

gdale6 · ‎03-12-2014

Ask as soon as you pay off the new stmt balance. Could be either way on the pull depends on your overall credit file on TU.

Creditaddict · ‎03-12-2014

@gdale6 wrote:
Ask as soon as you pay off the new stmt balance. Could be either way on the pull depends on your overall credit file on TU.

every 90 days you can request a CLI or over phone and ask for sp and the system will tell you if it needs to do hp and you can stop or continue.

yudeology101 · ‎03-12-2014

@Creditaddict wrote:
@gdale6 wrote:
Ask as soon as you pay off the new stmt balance. Could be either way on the pull depends on your overall credit file on TU.
every 90 days you can request a CLI or over phone and ask for sp and the system will tell you if it needs to do hp and you can stop or continue.

+1

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO ↑ 11) EX:686 (FICO ↔ N/C) TU:686 (FICO ↑ N/C) *8-5-14*

Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)

audia4 · ‎03-12-2014

Thanks for the info. I didn't realize you could do this every 90 days. I just wrote it down in my calendar.

TU: 819 EQ: 821 EX 811

**$7500****$30,000*****$13500****$42,200****$10,000***$10,700*****$6000****$11,000*****OPEN****OPEN******$27,000*****11,000

DVH1980 · ‎03-13-2014

Ive done one every 6 months and never been denied 2.5k-6k in 18 months---2500-3500-4500-6000.....no hard pulls if you request small amounts

*USAA WORLD MC 18k* *USAA VISA 12k* *AMEX BCE 10k* *DISCOVER IT 15k* *AMEX ZYNC* *B of A SIGNATURE CASH 15k* *NAVY FEDERAL PLATINUM 20k* *CITI DOUBLE CASH 15k* *Veridian CU 14k* *Barclays Apple 12.5k*

When Should I ask for a CLI with Discover IT

Get your FICO® Score for free

When Should I ask for a CLI with Discover IT